| Model Year | APR As Low As | Term | Approx Pmt Per $1,000 |
|---|---|---|---|
| 2020 and Newer | 5.99% | Up to 84 mo (36k miles max, $30k min) | $14.60 |
| 5.49% | Up to 72 months (60k miles max) | $16.33 | |
| 5.24% | Up to 60 months (84k miles max) | $18.98 | |
| 5.24% | Up to 48 months (120k miles max) | $23.14 | |
| 5.24% | Up to 36 months | $30.08 | |
| 2019 – 2015 | 5.99% | Refer to mileage guidelines above | $30.42 |
| 2014 and Older | 6.99% | Refer to mileage guidelines above | $30.87 |
| Term | Rate | APR | Additional Terms |
|---|---|---|---|
| 15 year | 5.500% | 5.615% | 3/4% orig fee + pass-thru costs |
| 10 year | 5.375% | 5.539% | |
| 7 year | 5.250% | 5.476% | |
| 5 year | 5.250% | 5.559% |
Max 80% LTV. APR shown assumes $250k loan amount.
Add 1/2% for balloon terms and jumbo loans.
Non-owner occupied/investment properties:
Add 1% to the rate.
Origination fee of 1% plus pass-thru costs.
NMLS #640476
| Term | Rate | APR | Additional Terms |
|---|---|---|---|
| 15 year | 7.990% | 8.114% | 3/4% orig fee + pass-thru costs |
| 10 year | 7.490% | 7.660% | |
| 7 year | 7.240% | 7.472% | |
| 5 year | 6.990% | 7.304% |
Max 80% LTV. APR shown assumes $250k loan amount.
Balloon terms not available on 2nd Mortgage loans.
Non-owner occupied/investment properties:
Add 1% to the rate.
Origination fee of 1% plus pass-thru costs.
NMLS #640476
| Term | Rate | Additional Terms |
|---|---|---|
| 15 year | 6.75% |
Variable rate as low as Prime + 0%. 5-year draw period, 15-year amortization. |
Non-owner occupied/investment properties:
Add 1% to the rate.
Origination fee of 1% plus pass-thru costs
NMLS #640476
| Model Year | APR As Low As | Term | Approx Pmt Per $1,000 |
|---|---|---|---|
| 2022 and newer | 7.99% | Up to 60 months | $20.27 |
| 2021 – 2019 | 7.99% | Up to 42 months | $27.37 |
An additional 1.00% rate discount is available to the above rates with rewards checking account.
| Model Year | APR As Low As | Term | Approx Pmt Per $1,000 |
|---|---|---|---|
| 2020 and newer | 7.99% | Up to 144 months | $10.82 |
| 2019 – 2015 | 7.99% | Up to 120 months | $12.13 |
| 2014 – 2010 | 7.99% | Up to 60 months | $20.27 |
An additional 1.00% rate discount is available to the above rates with rewards checking account.
| Other Loans | |||
|---|---|---|---|
| APR as low as | TERM | Approx pmt per $1,000 | |
| Personal Loans | 11.99% | Up to 36 months | $33.21 |
| 12.49% | Up to 48 months | $26.58 | |
| 12.99% | Up to 60 months | $22.75 | |
| Visa Platinum Card | 12.50% | Revolving, variable rate | $25.00 min |
| Overdraft Line of Credit | 16.00% | Revolving | $25.00 min |
| Certificate Secured | 2.50% | Above certificate rate for term of cert | varies |
| Term | Rate | Additional Terms |
|---|---|---|
| 30 year amortization
5 year balloon |
8.99% |
1% origination fee plus pass through costs. Annual financial review required. |
| Cash Back Checking | |||||
|---|---|---|---|---|---|
|
Earn 6% cash back on the first $200 of purchases each month, up to $12 per month. Must meet monthly qualification requirements. |
|||||
| High Yield Checking | |||||
| Balance Tier | Dividend Rate | APY | Dividend Frequency | Req'd Opening Deposit | Minimum Balance to Earn APY |
| $0.01 – $10,000.00 | 4.89% | 5.00% | Monthly | $5.00 | $0.01 |
| Over $10,000.00 | 1.00% | 1.37% | Monthly | $5.00 | $10,000.01 |
| High Yield Savings | |||||
| Balance Tier | Dividend Rate | APY | Dividend Frequency | Req'd Opening Deposit | Minimum Balance to Earn APY |
| $0.01 – $250,000.00 | 3.45% | 3.50% | Monthly | $0.00 | $0.01 |
| Over $250,000.00 | 1.00% | 2.79% | Monthly | $0.00 | $250,000.01 |
Rates are variable and may change at any time after account opening. Fees may reduce earnings.
To qualify for rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Cash or Cash Back account during each Monthly Qualification Cycle:
A qualifying Cash or Cash Back checking account is required to open or receive rewards in a Saver account.
Earn 3.50% Annual Percentage Yield on the first $250,000 in Saver, then 1.00% Annual Percentage Rate on the balance over $250,000. Annual Percentage Yield for the entire account ranges from 3.50% to 2.79% depending on balance. $25 minimum deposit required to open. No minimum balance required to earn the stated dividend.
Earn 5.00% Annual Percentage Yield on the first $10,000 in Cash Checking, then 1.00% Annual Percentage Rate on the balance over $10,000. Annual Percentage Yield for the entire account ranges from 5.00% to 1.37% depending on balance. $5 minimum deposit required to open. No minimum balance required to earn the stated dividend.
| Term | Dividend Rate | APY | Dividend Frequency | Req'd Opening Deposit | Minimum Balance to Earn APY |
|---|---|---|---|---|---|
| 6 month | 3.84% | 3.90% | Quarterly |
$1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts. |
$0.01 |
| 12 month | 3.89% | 3.95% | |||
| 18 month | 3.89% | 3.95% | |||
| 24 month | 3.94% | 4.00% | |||
| 36 month | 3.94% | 4.00% | |||
| 48 month | 3.99% | 4.05% | |||
| 60 month | 4.04% | 4.10% |
Dividend rates are current as of the date shown above. $1,000 minimum required to open a traditional or IRA certificate account; $500 minimum required to open a youth certificate. No minimum balance is required to earn the stated dividend. Fees may reduce earnings.
Early withdrawal penalty: A penalty will be imposed for withdrawal of funds before maturity. For certificates with original maturity of less than 2 years, the penalty is equal to 90 days’ of dividends. For certificates with 2 years or more to original maturity the penalty is equal to 180 days’ of dividends.
| Balance Tier | Dividend Rate | APY | Dividend Frequency | Req'd Opening Deposit | Minimum Balance to Earn APY |
|---|---|---|---|---|---|
| $50,000 and up | 1.98% | 2.00% | Monthly | $1,000 | $50,000.00 |
| $10,000 – $49,999 | 1.74% | 1.75% | $10,000.00 | ||
| $2,500 – $9,999 | 1.49% | 1.50% | $2,500.00 | ||
| Less than $2,500 | 0.05% | 0.05% | $0.01 |
Rates are variable and may change at any time after account opening. Dividends paid monthly. $1,000 minimum to open account. No minimum balance required to earn the stated dividend. Fees may reduce earnings. Rates are accurate as of the date shown above. Limit of 6 withdrawals per month.
| Account Type | Dividend Rate | APY | Dividend Frequency | Req'd Opening Deposit | Minimum Balance to Earn APY |
|---|---|---|---|---|---|
| Regular & Aux Shares | 0.05% | 0.05% | Monthly | $25 | $100.00 |
| IRA Shares | 0.15% | 0.15% | Monthly | $1,000 | $0.01 |
APY is Annual Percentage Yield.
Federally insured by the NCUA.