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 BalancesMonthly0.10%

Deposit Savings (Minimum earning balance $25.00)

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
All BalancesMonthly0.10%

*Prospective Rates and Annual Percentage Yields, effective as of November 16, 2022 which are subject to change without notice.

$mart Checking

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$1,000 and upMonthly0.10%
Bonus $0 to $10,000Monthly2.50%

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 November 16, 2022, which are subject to change without notice.

Certificates of Deposit (Minimum Earning Balance $5,000.00)

TermPayment FrequencyAnnual Percentage Yield
6 MonthAt Maturity2.75%
12 Month*
$5,000-$49,999
At Maturity3.25%
12 Month*
$50,000 and up
At Maturity3.75%
24 Month
At Maturity3.00%
36 MonthAt Maturity3.00%
60 MonthAt Maturity3.00%

*Prospective Rates and Annual Percentage Yields, effective as of November 16, 2022, which are subject to change without notice. This is a Step-Up Certificate of Deposit promotion, the interest rate and APY may change once during the original term of the CD at the member’s request. In the event the rate of the CD is changed, the account will change to the current interest rate being offered on the CD of the same term when the step-up option is exercised. Maximum 4.5% APY. This step-up option is not avaliable during any renewal term. Rates are paid at maturity. Penalty for early withdrawal. Rate subject to change without notice.

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

*Prospective Rates and Annual Percentage Yields, effective as of November 16, 2022, 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 November 16, 2022, 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 November 16, 2022.

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%

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%

*Prospective Rates and Annual Percentage Yields, effective as of November 16, 2022, which are subject to change without notice.

LOAN RATES

NewTermAnnual Percentage Rate As Low AsDaily Periodic Rate
New/Used 2022 to 2018 Year Models,
Up to 60 months4.99%0.008192%
61-72 months4.99%0.009425%
73-84 months5.24%0.010521%

UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
Used 2017 to 2013 Year Old ModelsUp to 60 months5.29%0.009014%
Used 2012 to 2007Up to 48 months7.24%0.084931%
Used 2012 to 2007Up to 60 months8.35%0.011616%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective November 16, 2022, 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 Purchases10.24% to 17.75%.047233% 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 November 16, 2022, 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
2022 to 2018 Year ModelsUp to 60 months5.99%0.010932%
61-72 months5.99%0.012164%
73-84 months6.24%0.013671%
UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2017 to 2013 Year ModelsUp to 60 months6.74%0.010247%
2017 to 2013 Year Models61-72 months7.24%0.4012850%
Used 2012 to 2007Up to 48 months8.14%0.014904%
Used 2012 to 200749-60 months9.09%0.017507%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of November 16, 2022, which are subject to change without notice.

Rate is Variable adjusted quarterly.

Extra Credit LOCTermAnnual Percentage Rate As Low AsDaily Periodic Rate
UnsecuredOpen End10.75%.021918%
Personal Loans, Household Goods,
Electronic, Cosmetic, Lasik, Wedding, Vacation
TermAnnual Percentage Rate As Low AsDaily Periodic Rate
Unsecured Up to 72 months10.00%.020548%
Christmas Loan Promo Up to 12 months6.49%.021233%
New Teacher LoanTermAnnual Percentage Rate As Low AsDaily Periodic Rate
Unsecured1-36 months5.50%0.015068%
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*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of November 16, 2022, which are subject to change without notice.

NewTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2022 to 2018 Year ModelsUp to 60 Months6.94%0.013534%
61-84 Months7.54%0.015178%
Only Motorhomes, Travel Trailers & 5th Wheels85-120 Months8.14%0.016822%
Only Motorhomes, Travel Trailers & 5th Wheels121-180 Months8.74%0.018466%
Only Motorhomes, Travel Trailers & 5th Wheels181-240 Months9.34%0.02010%
UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2017 to 2013 Year Old ModelsUp to 60 Months7.59%0.012712%
61-84 Months8.24%0.017781%
Only Motorhomes, Travel Trailers, & 5th Wheels85-120 Months8.89%0.019288%
Only Motorhomes, Travel Trailers, & 5th Wheels121-180 Months9.54%0.021479%
Used 2012 to 2007Up to 60 Months7.94%0.016137%
61-84 Months8.69%0021205%
Only Motorhomes, Travel Trailers, & 5th Wheels85-120 Months9.44%0.022712%
Only Motorhomes, Travel Trailers, & 5th Wheels121-180 Months10.19%0.024904%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of November 16, 2022. 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.