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Rates




EFFECTIVE 2018-09-22



Dividend & Savings Rates

Account Type Balance Rate APY*
Share
$25 minimum balance (required for membership)
$5 minimum balance if under 21 years of age
$100 & up 0.15% 0.15%
Money Market
$1000 minimum balance is required
$1,000 to 9,999
$10,000 to 24,999
$25,000 & up
0.15%
0.25%
0.50%
0.15%
0.25%
0.50%
Club Accounts $100 & up 0.15% 0.15%
VIP Checking $0 to $25,000**
$25,000 & up
1.97%
1.00%
2.00%
1.00%
VIP Saver $0 to $25,000**
$25,000 & up
1.49%
1.00%
1.50%
1.00%
VIP Plus $0 to $25,000**
$25,000 & up
2.95%
1.00%
3.00%
1.00%

*APY is Annual Percentage Yield

**See our vipchecking.com for complete details regarding VIP Checking qualifications. Non-qualifying VIP Checking accounts earn 0.15% APY. VIP Checking is required for all VIP Saver accounts.

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Individual Retirement Account (IRA) Rates †

Term Minimum Balance Rate APY*
IRA Accounts $250 - $4,999
$5,000 & Up
0.75% 0.75%
24 Month IRA Certificate (Fixed) † $250 0.75% 0.75%

*APY is Annual Percentage Yield

† Early withdrawal is subject to penalties.

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Certificate Rates †

Term Minimum Balance Rate APY*
6 Month $1,000 0.25% 0.25%
12 Month $1,000 0.50% 0.50%
24 Month $1,000 0.75% 0.75%
36 Month $1,000 1.00% 1.00%
48 Month $1,000 1.24% 1.25%
60 Month $1,000 1.49% 1.50%

*APY is Annual Percentage Yield

† Early withdrawal is subject to penalties.

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Loan Rates

Loan Type APR Terms Available
Secured/Auto Loans As Low As 3.5% Up to 84 months
Second Mortgage Loans* As Low as 5.00% Up to 180 months
Unsecured As Low As 10.99% Up to 36 Months

Lines of Credit APR
Visa Platinum Credit Card As Low As 10.99%
Overdraft Protection 12.50%
Home Equity Lines of Credit Prime+2%**


Rates are subject to change with the market, and are determined by member credit and quoted "as low as".

*Any loan with a term in excess of 84 months will have a call option any time after the 5th year, includes 2nd mortgage loans up to 180 months.

** "Prime" refers to Wall Street Journal Prime Interest Rate. All HELOCs carry a floor of 5.50% APR

Maximum Overdraft Line is $2,500.00

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