Rates

• Checking
• Certificate
• IRAs
• Loans
• VISA Credit Cards

 

Checking Accounts

Checking With Choices

	Minimum Balance	Dividends	APY*
Choice Checking	N/A	N/A	N/A
Value Choice Checking	$1,000	0.30%	0.30%
Complete Checking	$500	0.30%	0.30%
Prime Time Choice Checking	$500	0.30%	0.30%

Dividends are compounded and paid quarterly.
Rates are subject to change.
*APY = Annual Percentage Yield.

Tiered Money Market Accounts

	Minimum Balance	Dividends	APY*
Tier I	$2,500 - $14,999.99	1.49%	1.50%
Tier II	$15,000 - $24,999.99	1.59%	1.60%
Tier III	$25,000 - $74,999.99	2.03%	2.05%
Tier IV	$75,000 - $99,999.99	2.13%	2.15%
Tier V	$100,000 & up	2.37%	2.40%

Minimum deposit of $100.
Minimum withdrawal $500; Limited to six (6) per month, no more than three may be by check.
Minimum daily balance of $2,500 required to earn dividends. Dividends compounded and paid monthly.
Rates are subject to change.
*APY = Annual Percentage Yield.

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Certificate Accounts

Bump-Up Certificates

Term	Minimum Balance	Dividends	APY*
24 month	$250	3.21%	3.50%
36 month	$250	3.21%	3.50%
48 month	$250	3.21%	3.50%
60 month	$250	3.21%	3.50%

$250.00 minimum balance.
24-month, and 36-month certificates allow you to Bump-Up the rate once during the selected term.
48-month, and 60-month certificates allow you to Bump-Up the rate twice during the selected term.
Bump-Up must be initiated by the member.
Offer is available for a limited time.
Promotional rate specials do not qualify for the Bump-Up.
Early withdrawal may result in loss of dividends.
Rates are subject to change.
*APY = Annual Percentage Yield.

Term Share Accounts

Term	Minimum Balance	Dividends	APY*
90 day	$250	1.99%	2.00%
6 month	$250	2.18%	2.20%
12 month	$250	2.48%	2.50%
18 month	$250	2.575%	2.60%
24 month	$250	2.97%	3.00%
30 month expandable	$1.00	2.48%	2.50%
30 month	$250	2.82%	2.85%
36 month	$250	2.82%	2.85%
48 month	$250	2.87%	2.90%
60 month	$250	2.97%	3.00%

*9 month certificate requires enrollment in eStatements. One per member. Available for a limited time. Rates are subject to change without notice. Penalty for early withdrawal.

Jumbo Term Share Account

Term	Minimum Balance	Dividends	APY*
90 day	$100,000	2.23%	2.25%
6 month	$100,000	2.43%	2.45%
12 month	$100,000	2.72%	2.75%
18 month	$100,000	2.82%	2.85%
24 month	$100,000	3.21%	3.25%
30 month	$100,000	3.06%	3.10%
36 month	$100,000	3.06%	3.10%
48 month	$100,000	3.11%	3.15%
60 month	$100,000	3.21%	3.25%

Dividend rate fixed until maturity.
Dividends compounded and paid quarterly.
90 Day Term Share Account dividends are paid at maturity.
Additional deposits permitted on the 30 month expandable Term Share Account only.
Early withdrawal may result in loss of dividends.
Rates are subject to change.
*APY = Annual Percentage Yield.

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IRAs

IRA Share Savings - Traditional, Roth and Roth Conversion

Minimum Balance	Dividends	APY*
$25.00	0.50%	0.50%

No minimum balance required to open.
Minimum daily balance of $25.00 required to earn dividends.
Dividends are compounded and paid quarterly.
Rates are subject to change.
*APY = Annual Percentage Yield.

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IRA Certificate Accounts

Traditional, Roth & Roth Conversion IRAs

Term	Minimum Balance	Dividends	APY*
90 day	$500	1.99%	2.00%
6 month	$500	2.18%	2.20%
12 month	$500	2.45%	2.50%
18 month	$500	2.575%	2.60%
24 month	$500	2.97%	3.00%
36 month	$500	2.82%	2.85%
48 month	$500	2.87%	2.90%
60 month	$500	2.97%	3.00%

Jumbo Traditional, Roth & Roth Conversion IRAs

Term	Minimum Balance	Dividends	APY*
90 day	$100,000	2.23%	2.25%
6 month	$100,000	2.43%	2.45%
12 month	$100,000	2.72%	2.75%
18 month	$100,000	2.82%	2.85%
24 month	$100,000	3.21%	3.25%
36 month	$100,000	3.06%	3.10%
48 month	$100,000	3.11%	3.15%
60 month	$100,000	3.21%	3.25%

Dividend rate fixed until maturity.
Dividends compounded and paid quarterly.
No IRA maintenance fees.
Additional deposits are not permitted to IRA Term Share Accounts.
Early withdrawal may result in IRS penalties and a loss of dividends.
Rates are subject to change.
*APY = Annual Percentage Yield.

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Loans

Auto/Motorcycle

Year	Value	Term	Rates As Low As
2004 or newer	up to $25,000	up to 60 months***	5.25% APR*
2004 or newer	over $25,000	72 months***	6.50% APR*
2003 or older**	up to $25,000	up to 60 months***	5.50% APR*

Rates are subject to change.
*APR = Annual Percentage Rate.
**Vehicles older than 1998 have a maximum term of 48 months.
***Rate is dependent upon term, mileage and loan to value.

Recreational Vehicles

Year	Term	Rates As Low As
2004 or newer	dependent upon term	7.75% APR*
2003 or older	dependent upon term	9.25% APR*

Rates are subject to change.
*APR = Annual Percentage Rate.

Home Equity Loans

Product	Rates As Low As
Fixed rate 2nd mortgage	6.00% APR*
Home Equity Line of Credit (HELOC)	5.00% APR*

Rates are dependent on loan to value.
Rates are subject to change.
*APR = Annual Percentage Rate.

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VISA Credit Cards

Card	APR*
VISA Platinum Fixed Credit Card	9.90% fixed
VISA Platinum Rebate Credit Card	15.12% fixed
VISA Platinum Rewards Credit Card	Prime + 3% variable

 * APR (Annual Percentage Rate) for purchases, cash advances, and balance transfers. Interest rates and card options vary based on member qualifications and VISA program. Your rate may be different based on individual credit worthiness and our underwriting standards. See VISA Terms and Conditions for full disclosure.

Checking with Choices

Dividends are compounded and paid quarterly
Rates are subject to change
*APY = Annual Percentage Yield