Share/Savings Accounts as of June 30, 2022 |
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Share Accounts |
.01 Div. Rate | .01 APY * | $5 Minimum |
Club Accounts |
.01 Div. Rate | .01 APY * | $5 Minimum |
Money Market Accounts as of August 1, 2023 |
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TIER 1 | 1.49 APR | 1.50 APR | $2500 Minimum $24999 Maximum |
TIER 2 | 1.74 APR | 1.75 APR | $25000 Minimum $74999 Maximum |
TIER 3 | 1.98 APR | 2.00 APR | $75000 Minimum |
Share Certificate Accounts as of August 11, 2023 |
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6 month CD | 5.37 APR | 5.50 APY | $1000 Minimum |
1 year CD | 5.13 APR | 5.25 APY | $1000 Minimum |
18 month CD | 4.84 APR | 4.95 APY | $1000 Minimum |
2 year CD | 4.84 APR | 4.95 APY | $1000 Minimum |
3 year CD | 4.41 APR | 4.50 APY | $1000 Minimum |
4 year CD | 4.17 APR | 4.25 APY | $1000 Minimum |
5 year CD | 4.17 APR | 4.25 APY | $1000 Minimum |
Share Draft Accounts |
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Checking (08) | 0 APR | 0 APY | $5.00 minimum to earn dividend |
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Loan Accounts as of June 27, 2023 |
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Unsecured Loans (Signature) – Personal Loans | |||
First Year in the District | 9.95% – 11.95% APR | Up to 60 Months | Maximum $1000 (With cosigner Maximum $3500) |
2 or more years in the District | 9.95% – 11.95% APR | Up to 60 Months | Maximum $20,000 |
Secured Loans | |||
Share Secured | Last Div + 2.00% APR | Maximum term is 10 Years | You may borrow up to 100% of your available Share balance |
Auto Loans | |||
New Car | 6.25% APR* | up to 84 Months | $0 Minimum $60,000 Maximum 10 payments a year or 12 payments a year |
Used Car:2022,2021,2020,2019 | 7.25% APR* | up to 72 Months | $0 Minimum $50,000 Maximum 100% of NADA Retail Value |
Used Car 2018,2017,2016,2015 | 8.25% APR* | up to 48 Months |
$0 Minimum $45,000 Maximum 100% of NADA Retail Value |
*If primary account holder has an Equifax score of 750+ your interest rate will be reduced by .5%
Home Equity Loans (Up to 80% loan to value) |
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Fixed Rate | 6.75% APR
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5 Years | $10,000 Minimum $100,000 Maximum |
Fixed Rate | 7.25% APR | 10 Years |
$10,000 Minimum $100,000 Maximum |
Fixed Rate | 7.75% APR | 15 Years | $10,000 Minimum $100,000 Maximum |
Variable Rate Line of Credit (5 Year Draw Period)
Interest only payments required during draw period Only pay on balance you are using |
8.00% APR ** | 20 Years |
$10,000 Minimum $100,000 Maximum, **Prime minus .25%. Prime rate is 8.25% as of 6/14/23. Rate changes when Prime changes. |
Click here for Fees and Disclosures
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE
As of 4:30 PM on Tuesday, November 28th, our system is still down. We are hopeful that it will be restored shortly. We encourage you to continue checking back online to see if the system has been restored. During the down period, online banking is not available. Also, Visa Debit transactions are limited to $100 for withdrawal and $200 for purchase, $200 per day limit. We apologize for this inconvenience.
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