Share Accounts – Federally Insured by NCUA
Rate are accurate as of 9/1/2024. Rates Subject to Change Without Notice. APY (Annual Percentage Yield)
Share Rates
| Account Type | Minimum
Opening Balance | Minimum Balance
Required to Earn APY | Annual
Yield (APY) |
| Savings | $5 | $100 | 0.15% |
| Vacation , Holiday and Credit Builder Clubs | $0 | $100 | 0.15% |
| Club 1378 | $0 | None | 0.15% |
Share Certificates
| CD Terms | Minimum to Open | Compounded | Minimum to Earn APY* | APY* | Dividend Rate |
| 60 Months | $100 | Monthly | $100 | 0.35% | 0.35% |
| 48 Months | $100 | Monthly | $100 | 0.30% | 0.30% |
| 36 Months | $100 | Monthly | $100 | 0.25% | 0.25% |
| 24 Months | $100 | Monthly | $100 | 0.20% | 0.20% |
| 18 Months | $100 | Monthly | $100 | 0.15% | 0.15% |
| 12 Months | $100 | Monthly | $100 | 0.10% | 0.10% |
| 6 Months | $125 | Simple | $125 | 0.05% | 0.15% |
| | | | | |
Rate are accurate as of 9/1/2024. Rates Subject to Change Without Notice. APR (Annual Percentage Rate)
Lending Rates
| Loan Type | Annual Percentage Rate (APR)* | Per Diem |
| First Step Loan (Share Secured) | 5.00%
| 0.13699%
|
| Step Up Loan (Signature) | 13.99%
| 0.38329%
|
| Auto Loans (used and new; max $15,000) | 10.00%
| 0.027397% |
| Credit Builder Loan | 8.00% | 0.021918% |
| Emergency Loan | 3.25% | 0.008904% |
* Loans Secured By Share Accounts. *APY refers to Annual Percentage Yield. *APR refers to Annual Percentage Rate. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings.
