Rates & Fees
Checking Account Interest Rates
| Type Of Account |
Minimum Balance
|
Annual Percentage Yield
|
| Preferred Checking |
$5,000
|
0.25%
|
| Select Checking |
$10,000
|
0.50%
|
| Prestige Checking |
$50,000
|
0.75%
|
*Minimum balance to avoid service fee. All rates are subject to change as a result of Board of Directors’ action.
Corporate/Business Account Interest Rates
| Type Of Account |
Minimum Balance
|
Annual Percentage Yield
|
| Preferred Account |
$5,000
|
0.00%
|
| Select Account |
$10,000
|
0.250%
|
| Prestige Account |
$50,000
|
0.50%
|
*Minimum balance to avoid service fee. All rates are subject to change as a result of Board of Directors’ action.
Home Loan Interest Rates
|
Real Estate Loan
|
Amount Financed
|
Term Annual
|
Percentage Rate
|
|
1st Mortgage
|
80% Loan To Value
|
up to 15 Years
|
5.09%
|
|
2nd Mortgage
|
80% Loan To Value
|
up to 15 years
|
6.29%
|
|
HELOC – Freedom Line
|
90% Loan to Value
|
Draw 8 yrs, Amort 18 yrs
|
6.25%
|
|
2nd Mortgage
|
90% Loan To Value
|
Up to 15 years
|
7.29%
|
Rates as of August 1st, 2015. All rates are subject to change as a result of Board of Directors’ action.
Money Market Account Interest Rates
|
Type Of Account
|
Minimum Balance
|
Annual Percentage Yield
|
| Money Market Savings |
< $5,000*
|
0.25%
|
| Money Market Savings |
$5,000
|
0.80%
|
| Money Market Savings |
$10,000
|
1.00%
|
| Money Market Savings |
$25,000
|
1.50%
|
| Money Market Savings |
$50,000
|
1.80%
|
*Minimum balance to avoid service fee. All rates are subject to change as a result of Board of Directors’ action.
Savings Account Interest Rates
|
Type Of Account
|
Minimum Balance
|
Details of Interest Rates
|
|
Regular
|
$1,000
|
1.5% of interest paid annually.
Service Charge of $20 per month if balance falls below $1000. |
| Silver |
$100,000
|
2.0% of interest paid annually.
If balance falls below $100,000, the rate will be reduced accordingly. |
| Gold |
$1,000,000
|
2.5% of interest paid annually.
If balance falls below $1,000,000, the rate will be reduced accordingly. |
| Platinum |
$10,000,000
|
3.0% of interest paid annually.
If balance falls below $10,000,000, the rate will be reduced accordingly. |
*Each bank account is subjected to a $350 setup fee and a $100 annual service fee. Note all fees are in US Dollars. Amounts listed above are in US Dollars.
Share Certificate Interest Rates
Effective 1st August, 2015: $5,000 minimum for certificate.
6 month…APY 3.25%
12 month…APY 3.50%
18 month…APY 3.60%
24 month…APY 3.75%
36 month…APY 4.10%
48 month…APY 4.30%
60 month…APY 4.50%
The specials are for regular term certificates.
Early withdrawal penalties apply to all promotional certificates regardless of age.
Ask a Member Service Representative for a complete disclosure sheet.
Vehicle Loan Interest Rates
Additional rate discount of 0.50% offered to all loans funded with automatic payments.
Auto Loans 2011-2015
|
Credit Rating
|
36 Months APR
|
48 Months APR
|
60 Months APR
|
72 Months APR
|
|
A+
|
4.59%
|
4.89%
|
5.19%
|
5.49%
|
|
A
|
4.89%
|
5.19%
|
5.49%
|
5.79%
|
|
B
|
6.39%
|
6.69%
|
6.99%
|
7.29%
|
|
C
|
8.39%
|
8.69%
|
8.99%
|
9.29%
|
|
D
|
11.39%
|
11.69%
|
11.99%
|
12.29%
|
|
E
|
14.39%
|
14.69%
|
14.99%
|
15.29%
|
Auto Loans 2005-2010
|
Credit Rating
|
36 Months APR
|
48 Months APR
|
60 Months APR
|
72 Months APR
|
|
A+
|
5.59%
|
5.89%
|
6.19%
|
6.49%
|
|
A
|
5.89%
|
6.19%
|
6.49%
|
6.79%
|
|
B
|
7.39%
|
7.69%
|
7.99%
|
8.29%
|
|
C
|
9.39%
|
9.69%
|
9.99%
|
10.29%
|
|
D
|
12.39%
|
12.69%
|
12.99%
|
13.29%
|
|
E
|
15.39%
|
15.69%
|
15.99%
|
16.29%
|
Auto Loans 2005 and Older
|
Credit Rating
|
36 Months APR
|
48 Months APR
|
60 Months APR
|
72 Months APR
|
|
A+
|
6.59%
|
6.89%
|
7.19%
|
7.49%
|
|
A
|
6.89%
|
7.19%
|
7.49%
|
7.79%
|
|
B
|
8.39%
|
8.69%
|
8.99%
|
9.29%
|
|
C
|
10.39%
|
10.69%
|
10.99%
|
11.29%
|
|
D
|
13.39%
|
13.69%
|
13.99%
|
14.29%
|
|
E
|
16.39%
|
16.69%
|
16.99%
|
17.29%
|
Rates as of August 1st, 2015. APR = Annual Percentage Rate. All rates are subject to change as a result of Board of Directors’ action.
VISA & Personal Loan Interest Rates
Visa Gold
|
Fees
|
Credit Limit
|
Term
|
APR
|
Rates As Of
|
|
No Annual Fees
|
$10,000+
|
Open Ended
|
8.99%
|
August 1st, 2015
|
Visa Classic
|
Fees
|
Credit Limit
|
Term
|
APR
|
Rates As Of
|
|
No Annual Fees
|
$1,000 – $4,900
|
Open Ended
|
11.99%
|
August 1st, 2015
|
Personal Loan
|
Credit Rating
|
48 Month APR
|
|
A+
|
6.89%
|
|
A
|
7.89%
|
|
B
|
9.39%
|
|
C
|
11.39%
|
|
D
|
13.89%
|
|
E
|
17.50%
|
Rates as of August 1st, 2015. APR = Annual Percentage Rate. Maximum term for a signature loan is 48 Months. All rates are subject to change as a result of Board of Directors’ action.