Rates
Loan and Credit Card Rates (updated 07/7/2011)
All loan rates quoted as Annual Percentage Rate (APR)
Loan rates, which are subject to change without notice, may vary with respect to your credit history (i.e. Beacon Score), the model of the vehicle and term of the loan.
|
Type
|
Model Year
|
Term
|
Rate (APR)
as low as
|
|
|
New Auto
|
|
01 – 30 Months
|
2.99%*
|
|
|
31 – 42 Months
|
2.99%*
|
|
|
43 – 54 Months
|
2.99%*
|
|
|
55 – 66 Months
|
2.99%*
|
|
|
67 – 72 Months
|
3.49%*
|
|
|
Used Auto
|
2010
|
01 – 66 Months
|
Same as new car rates
|
|
|
|
01 – 66 Months
|
|
|
|
|
01 – 66 Months
|
3.99%
|
|
|
|
01 – 66 Months
|
3.99%
|
|
|
2006
|
01 – 42 Months
|
6.24%
|
|
|
|
01 – 36 Months
|
6.49%
|
|
|
|
|
Type
|
Rate (APR)
as low as
|
|
New RV’s
|
7.99%
|
|
Pre-owned RV’s
|
7.99%
|
|
New Motorcycles
|
5.99%
|
|
Pre-owned Motorcycles
|
5.99%
|
|
New Boats
|
7.50%
|
|
Used Boats
|
9.75%
|
|
Revolving Credit Line (RCL)
|
13.99%
|
|
Signature Loan
|
13.99%
|
|
Home Equity Lines of Credit
|
Prime Rate + 0.25%* (variable)
|
|
Second Mortgage
|
6.50%
|
|
|
|
|
Type
|
Fixed Rate
|
|
Mastercard Platinum
|
8.90%
|
|
Mastercard Classic
|
10.90%
|
|
Mastercard Secured
|
10.90%
|
|
Savings Secured
|
3% above Dividend Rate
|
|
Certificate Secured
|
3% above Certificate of Deposit Rate
|
(*) Special Promotion applies if member applies online and loan is established on autopay/payroll deduction (1/4% rate reduction included for each option)
Regular Savings, IRA Savings, Club, Checking & Managed Fund Accounts
(updated 11-01-2011)
All rates quoted as Annual Percentage Yield (APY)
As of the last dividend declaration date, the Dividend Rate is shown below, with the corresponding Annual Percentage Yield (APY). The Dividend Rate and Annual Percentage Yield may change as indicated in our Truth-In-Savings Disclosure.
|
Account
|
Minimum
Average Balance
|
Dividend Rate
|
APY
|
|
Regular Savings
|
$0.01 - $2,499.99
|
0.05%
|
0.05%
|
|
$2,500 - $4,999.99
|
0.15%
|
0.15%
|
|
$5,000.00 and above
|
0.20%
|
0.20%
|
|
Freedom Checking
|
N/A
|
0.00%
|
0.00%
|
|
Holiday & Vacation Club
|
N/A
|
0.20%
|
0.20%
|
|
IRA Accounts
|
N/A
|
0.25%
|
0.25%
|
|
Premier Managed Fund Savings Account
|
$50,000 and above
|
0.50%
|
0.50%
|
|
Managed Fund Savings Account
|
$5,000-$49,999
|
0.30%
|
0.30%
|
|
Premier Managed Fund Checking Account
|
$50,000 and above
|
0.35%
|
0.35%
|
|
Managed Fund Checking Account
|
$5,000-$49,999
|
0.20%
|
0.20%
|
Regular and IRA Certificate Accounts (updated 11-01-2011)
All rates quoted as Annual Percentage Yield (APY)
The Dividend Rate and corresponding Annual Percentage Yield (APY) on our Regular Certificates and Individual Retirement (IRA) certificates are reflected in the chart below. The Dividend Rate and APY were accurate as of the date indicated above and are subject to change without notice.
|
Term
|
Minimum Balance
|
Dividend Frequency
|
Dividend Rate
|
APY
|
|
1 Year
|
$1,000-$49,999
|
Monthly
|
0.50%
|
0.50%
|
|
1 Year
|
$50,000-$100,000
|
Monthly
|
0.60%
|
0.60%
|
|
2 Year
|
$1,000-$49,999
|
Monthly
|
0.80%
|
0.80%
|
|
2 Year
|
$50,000-$100,000
|
Monthly
|
0.90%
|
0.90%
|
|
3 Year
|
$1,000-$49,999
|
Monthly
|
1.40%
|
1.41%
|
|
3 Year
|
$50,000-$100,000
|
Monthly
|
1.55%
|
1.56%
|
|
4 Year
|
$1,000-$49,999
|
Monthly
|
1.55%
|
1.56%
|
|
4 Year
|
$50,000-$100,000
|
Monthly
|
1.70%
|
1.71%
|
|
5 Year
|
$1,000-$49,999
|
Monthly
|
2.10%
|
2.12%
|
|
5 Year
|
$50,000-$100,000
|
Monthly
|
2.25%
|
2.28%
|
|
|
|
|