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 March 23, 2023 which are subject to change without notice.

$mart Checking

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$1,000 and upMonthly0.10%
Bonus $0 to $25,000Monthly5.00%

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 March 23, 2023, which are subject to change without notice.

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

TermPayment FrequencyAnnual Percentage Yield
6 Month ($1,000 min. opening deposit)*At Maturity5.00%
12 Month At Maturity 4.50%
24 Month
At Maturity4.00%
36 MonthAt Maturity3.75%
60 MonthAt Maturity3.75%

*Prospective Rates and Annual Percentage Yields, effective as of March 23, 2023, which are subject to change without notice.  Rates are paid at maturity, penalty for early withdrawal.

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

*Prospective Rates and Annual Percentage Yields, effective as of March 23, 2023, 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 March 23, 2023, 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 March 23, 2023.

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 March 23, 2023, which are subject to change without notice.

LOAN RATES

NewTermAnnual Percentage Rate As Low AsDaily Periodic Rate
New/Used 2023 to 2019 Year Models,
Up to 60 months5.99%0.008192%
61-72 months5.99%0.009425%
73-84 months6.24%0.010521%

UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
Used 2018 to 2014 Year Old ModelsUp to 60 months6.29%0.009014%
Used 2013 to 2008Up to 48 months6.94%0.084931%
Used 2013 to 2008Up to 60 months9.35%0.011616%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective March 23, 2023, 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 Purchases11.49% 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 March 23, 2023, 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
2023 to 2019 Year ModelsUp to 60 months6.99%0.010932%
61-72 months6.99%0.012164%
73-84 months7.24%0.013671%
UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2018 to 2014 Year ModelsUp to 60 months7.74%0.010247%
2018 to 2014 Year Models61-72 months8.24%0.4012850%
Used 2013 to 2008Up to 48 months9.14%0.014904%
Used 2013 to 200849-60 months10.09%0.017507%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of March 23, 2023, which are subject to change without notice.

Rate is Variable adjusted quarterly.

Extra Credit LOCTermAnnual Percentage Rate As Low AsDaily Periodic Rate
UnsecuredOpen End12.00%.021918%
Personal Loans, Household Goods,
Electronic, Cosmetic, Lasik, Wedding, Vacation
TermAnnual Percentage Rate As Low AsDaily Periodic Rate
Unsecured Up to 72 months13.00%.020548%
New Teacher LoanTermAnnual Percentage Rate As Low AsDaily Periodic Rate
Unsecured1-36 months7.50%0.015068%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of March 23, 2023, which are subject to change without notice.

NewTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2023 to 2019 Year ModelsUp to 60 Months7.94%0.013534%
61-84 Months8.54%0.015178%
Only Motorhomes, Travel Trailers & 5th Wheels85-120 Months9.14%0.016822%
Only Motorhomes, Travel Trailers & 5th Wheels121-180 Months9.74%0.018466%
Only Motorhomes, Travel Trailers & 5th Wheels181-240 Months10.34%0.02010%
UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2018 to 2014 Year Old ModelsUp to 60 Months8.59%0.012712%
61-84 Months9.24%0.017781%
Only Motorhomes, Travel Trailers, & 5th Wheels85-120 Months9.89%0.019288%
Only Motorhomes, Travel Trailers, & 5th Wheels121-180 Months10.54%0.021479%
Used 2013 to 2008Up to 60 Months8.94%0.016137%
61-84 Months9.69%0021205%
Only Motorhomes, Travel Trailers, & 5th Wheels85-120 Months10.44%0.022712%
Only Motorhomes, Travel Trailers, & 5th Wheels121-180 Months11.19%0.024904%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of March 23, 2023. 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.