Rates

Loan Rates

Consumer Loan Rates

*APR is Annual Percentage Rate. APR listed is the credit union’s best rate and is determined by an evaluation of your credit history and underwriting factors.

New or Used Autoas low as 1.25% APR*
RVs and Watercraftas low as 1.25% APR*
Motorcycles and ATVsas low as 1.25% APR*
Farm Equipmentas low as 1.25% APR*
Personal or Debt Consolidation Loanas low as 6.50% APR*

Certificate Rates

Account TypeMinimum BalanceDividend RateAPY1Dividend Period

1 APY is Annual Percentage Yield. Any withdrawal prior to maturity will reduce earnings. A penalty is imposed if certificate funds other than earned dividends are withdrawn before maturity date.

2 IRA not offered at 90 day term.

3 We offer three special club certificates: Explorer, Elements and Prime Times. Each have a 12-month term and the Explorer and Elements certificates have a minimum opening deposit and minimum balance to earn APY of only $100. The Prime Times certificate has an additional dividend, which will be disclosed at account opening and is subject to change without notice.

4 Personal checking account required to open. New checking accounts must have direct deposit. Dividend rate may be changed to match any current comparable 36 month share certificate rate offered by the credit union twice during the term of the certificate.

Effective November 28th, 2012

3 Month Share Certificate2$5000.10%0.10%Quarterly
6 Month Share Certificate$5000.20%0.20%Quarterly
9 Month Share Certificate$5000.20%0.20%Quarterly
12 Month Share Certificate3$5000.40%0.40%Quarterly
24 Month Share Certificate$5000.60%0.60%Quarterly
36 Month Share Certificate$5001.00%1.00%Quarterly
NEW: Bump Your Rate 36 Month Share Certificate4$5001.00%1.00%Quarterly
48 Month Share Certificate$5001.05%1.05%Quarterly
60 Month Share Certificate$5001.15%1.15%Quarterly

Checking Rates

Account TypeMinimum BalanceDividend RateAPY1Dividend Period

1 APY is Annual Percentage Yield. Rates are subject to change without notice.

2 Premier Choice account holders are subject to a monthly charge of $12.

Effective January 25th, 2012

Premier Choice2$2500.05%0.05%Monthly
Prime Times$2500.05%0.05%Monthly
Market Shares Tier 1$1,0000.10%0.10%Monthly
Market Shares Tier 2$20,0000.10%0.10%Monthly
Market Shares Tier 3$75,0000.15%0.15%Monthly

Savings Rates

Account TypeMinimum BalanceDividend RateAPY1Dividend Period

1 APY is Annual Percentage Yield.

2 Must meet qualifications to earn this rate for PayBack Savings. If qualifications are not met each dividend period, the rate earned will be equal to existing share savings rate. All four (4) qualifications must be met each dividend period. (1) Must have a Family Trust Personal Checking Account. The following checking account types are excluded: Market Share Draft, Business Share Draft, IRA Market Share Draft and HSA Share Draft. Personal checking account must be in good standing with the credit union to qualify; (2) 10 Debit Card Transactions per Month. Card must be used as Signature-Based a minimum of 10 times per cycle to meet qualification. Debit card transactions processed as PIN-Based or ATM transactions do not apply. Signature-based check card and credit card transactions will be counted when the transactions post to your account. When you use your check card or credit cards, the merchant may place a hold on your account for the amount of the purchase. It can take up to three to five business days for this transaction to post; (3) Must be enrolled in E-Statements each cycle; and (4) You must have an open Family Trust loan. Loan must be in good standing with the credit union to qualify.

Effective December 1st, 2013

Regular Savings$50.10%0.10%Quarterly
PayBack Savings and IRA
Tier 12
$00.60%0.60%Monthly
PayBack Savings and IRA
Tier 22
$20,0001.00%1.00%Monthly
PayBack Savings and IRA
Tier 32
$100,0001.24%1.25%Monthly
Christmas Club$50.10%0.10%Quarterly
IRA Share$50.10%0.10%Quarterly