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Effective December 31, 2011
Savings Calculator
Type Rate APY*
Share Accounts
Minimum Average Daily Balance
to earn APY is $50.00
.50% .50%
Christmas Club 0.15% 0.15%
Vacation Club 0.15% 0.15%
Share Certificate    
A penalty will apply for early withdrawl    
  6 month (minimum balance $1,000) 0.60% 0.60%
  1 year    (minimum balance $2,500) 0.70% 0.70%
  2 year    (minimum balance $5,000) 0.80% 0.80%


Effective January 1, 2012
Loan Calculator
Mortgage Calculator
Type Rate Term
Signature Loans
  
up to $  2,000
  up to $12,500

8.00%
As low as 9.00%

12 months
48 months
     
Share Signature Loans
  up to share balance

2% above secured share rate

120 months
     
New Vehicles Loans
100% of invoice including taxes & licensing
*new vehicles only

As low as 1.45% *
As low as 1.95% *
As low as 2.10% *
As low as 2.10% *

36 months
48 months
60 months
72 months
Used auto loans available up to 60 months add 1/2% to above rates.
* Actual rate depends on credit score and other services used at the Credit Union
     
Home Improvement Loans
  up to $  8,000

As low as 7.75%

48 months
     
Mini Home Equity Loans
  up to $20,000

4.75%
5.25%

60 months
84 months
  • Secured by second mortgage on property
  • $75 non-refundable application fee
  • No closing costs
  • Fixed rate / Fixed amount & term
  • May be tax deductible
    Consult you tax advisor
     
Home Equity Loans

   
  up to $60,000 Prime Rate / Variable 15 years
  (85% of equity less existing
  mtg.)
4.80% / fixed
(for 1 year then 5.80%)
10 years
  5.30% / fixed
(for 1 year then 6.30%)
15 years
  • Secured by second mortgage on property
  • Variable rate based on Prime & 0% as stated in Wall Street Journal, adjusted semi-annually
  • $150 non-refundable application fee
  • No closing costs
  • May be tax deductible
    Consult you tax advisor
**All Rates Subject to Change
* Annual Percentage Yield