Rates & Fees

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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.


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