Rates

ACCOUNT RATES

Share Savings (Minimum earning balance $100.00)

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$0 to $99.99Monthly0.00%
$100.00 to $4,999.99Monthly0.20%
$5,000.00 to $24,999.99Monthly0.25%
$25,000.00 to $49,999.99Monthly0.30%
$50,000.00 and upMonthly0.35%

Additional Savings (Minimum earning balance $100.00)

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$0 to $99.99Monthly0.00%
$100.00 to $4,999.99Monthly0.05%
$5,000.00 to $24,999.99Monthly0.05%
$25,000.00 to $49,999.99Monthly0.10%
$50,000.00 and upMonthly0.15%

Summer Pay (Minimum earning balance $10.00)

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
All BalancesMonthly0.20%

Deposit Savings (Minimum earning balance $25.00)

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
All BalancesMonthly0.20%

*Prospective Rates and Annual Percentage Yields, effective as of June 3, 2024, which are subject to change without notice.

$mart Checking

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
Standard Rate: $1,000 and upMonthly0.10%
Bonus Rate: $50,000 and belowMonthly6.00%

Interest Checking, Golden Apple Checking, Red Apple Checking

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$900.00 to $2,499.99Monthly0.05%
$2,500.00 and upMonthly 0.05%

*Prospective Rates and Annual Percentage Yields, effective as of June 3, 2024, which are subject to change without notice.

Certificates of Deposit (Minimum Earning Balance $500.00)

TermPayment FrequencyAnnual Percentage Yield
6 MonthAt Maturity4.75%
12 MonthAt Maturity 4.50%
24 MonthAt Maturity3.25%
36 MonthAt Maturity3.00%
60 MonthAt Maturity2.75%

*Prospective Rates and Annual Percentage Yields, effective as of June 3, 2024, which are subject to change without notice. Rates are paid at maturity, penalty for early withdrawal. Minimum opening balance of $500.00 on all CD’s.

**APY=Annual Percentage Yield.

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$0.00 and upMonthly0.20%

*Prospective Rates and Annual Percentage Yields, effective as of June 3, 2024, which are subject to change without notice. (Early withdrawal penalties may apply.)

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$25.00 to $9,999.99Monthly0.50%
$10,000 and upMonthly1.00%

*Prospective Rates and Annual Percentage Yields, effective as of June 3, 2024, which are subject to change without notice. Early withdrawal penalties may apply.

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$25.00 to $9,999.99Monthly0.50%
$10,000.00 and upMonthly1.00%

*Prospective Rates and Annual Percentage Yields, effective as of June 3, 2024.

Money Market

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$25.00 to $2,499.99Monthly0.00%
$2,500.00 to $24,999.99Monthly0.40%
$25,000.00 to $49,999.99Monthly0.50%
$50,000.00 to $99,999.99Monthly0.60%
$100,000.00 and upMonthly0.70%

* $15,000 minimum opening account balance.

Super Money Market

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$25.00 to $2,499.99Monthly0.00%
$2,500.00 to $24,999.99
Monthly1.65%
$25,000.00 to $49,999.99Monthly1.85%
$50,000.00 to $99,999.99Monthly1.95%
$100,000.00 to $149,999.99Monthly2.15%
$150,000.00 to $159,999.99Monthly2.15%
$160,000.00 and upMonthly2.15%

*$25,000 minimum opening account balance.

*Prospective Rates and Annual Percentage Yields, effective as of June 3, 2024, which are subject to change without notice.

LOAN RATES

NewTermAnnual Percentage Rate As Low AsDaily Periodic Rate
New/Used 2024 to 2020 Year Old Models
Up to 60 months6.49%0.017781%
61-72 months6.49%0.017781%
73-84 months7.24%0.019836%

UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
Used 2019 to 2004 Year Old ModelsUp to 60 months7.24%0.019836%
Used 2019 to 2015Up to 72 months7.49%0.020521%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective June 3, 2024, which are subject to change without notice.

25-day grace period on all Visa accounts. Minimum monthly payment equal to 3% of balance or $18, whichever is greater. ATM cash advance on PIN number.

VISA Platinum Cash RewardsAnnual Percentage RateDaily Periodic Rate
Standard Rate Purchases12.49% to 17.75%.034219% to .048630%
Late Fee - If a payment is 10 days or more past due, you wil be charged a Late Payment Fee of $25.00
Return Check Fee - $24.00

*Stated Annual Percentage Rates are with approved credit, effective as of June 3, 2024, which are subject to change without notice.

New vehicles costing $30,000 or more may be financed up to 84 months with approved credit.

NewTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2024 to 2020 Year Old ModelsUp to 60 months7.49%0.020521%
61-72 months7.99%0.021890%
73-84 months8.49%0.023260%
UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2019 to 2009 Year Old ModelsUp to 60 months8.99%0.024630%
2019 to 2015 Year Models61-72 months9.74%0.026685%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of Juine 3, 2024, which are subject to change without notice.

Rate is Variable adjusted quarterly.

Extra Credit LOCTermAnnual Percentage Rate As Low AsDaily Periodic Rate
UnsecuredOpen End13.00%.034931%
Personal Loans, Household Goods,
Electronic, Cosmetic, Lasik, Wedding, Vacation
TermAnnual Percentage Rate As Low AsDaily Periodic Rate
Unsecured Up to 72 months11.50%.031507%
New Teacher LoanTermAnnual Percentage Rate As Low AsDaily Periodic Rate
Unsecured1-36 months8.50%0.023288%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of June 3, 2024, which are subject to change without notice.

NewTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2024 to 2020 Year Old ModelsUp to 60 Months7.49%0.020521%
61-84 Months8.49%0.023260%
Only Motorhomes, Travel Trailers & 5th Wheels85-120 Months8.99%0.024630%
Only Motorhomes, Travel Trailers & 5th Wheels121-180 Months9.74%0.026685%
Only Motorhomes, Travel Trailers & 5th Wheels181-240 Months10.24%0.028055%
UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2019 to 2004 Year Old ModelsUp to 60 Months8.49%0.023260%
61-84 Months9.24%0.025315%
Only Motorhomes, Travel Trailers, & 5th Wheels85-120 Months9.99%0.027370%
Only Motorhomes, Travel Trailers, & 5th Wheels121-180 Months10.74%0.029425%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of June 3, 2024. Rates, terms and conditions are subject to change without notice.

Contact the credit union to check daily rates. Contact our Mortgage Department by email or call 806.358.7777 X473 to apply for a first mortgage purchase or refinance.