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| Loan Term | APR* | Rate Type | Estimated monthly payment | Apply Today! |
|---|---|---|---|---|
| 48 months | Fixed | $23.83 per $1,000 borrowed | Auto Loan Application | |
| 60 months | Fixed | $19.80 per $1,000 borrowed | ||
| 72 months | Fixed | $17.16 per $1,000 borrowed | ||
| 84 months** | Fixed | $15.58 per $1,000 borrowed |
*APR is Annual Percentage Rate. Loans offered on approved credit, not all applicants will qualify. Rates and terms may vary based on credit profile and credit union services used. Rates and terms subject to change without notice. No down payment required. .05% discount earned for every 3 months of on-time payments and may be subject to a rate floor. Membership required. New money loans only. Other terms and conditions may apply, please ask for details.
**73+ month loans require a minimum loan amount of $20,000 or a vehicle two years old or newer.
| Card Type | APR* | Rate Type | Minimum Payment | Apply Today! |
|---|---|---|---|---|
| VISA Platinum – Rewards | - | Variable | Greater of $20 or 3.00% of balance | Credit Card Loan Application |
| VISA Platinum – Low Rate | - | Variable | Greater of $20 or 3.00% of balance | |
| Visa Signature Cashback | - | Variable | Greater of $20 or 2.00% of balance |
* APR is Annual Percentage Rate. Loans offered on approved credit, not all applicants will qualify. 25-day grace period on purchases. No annual fee. All account terms are governed by the Cardholder Agreement. Account and Agreement terms are not guaranteed for any period of time; all terms may change in accordance with the Agreement and applicable laws.
On Variable Rate loans, the index is based on the “U.S. Prime Rate” as listed in the “Money Section of the Wall Street Journal on the third Wednesday of March, June, September, and December plus a margin to be disclosed in your closing documents. The APR will never be greater than 18.00%. Any interest rate increase will result in more payments of the same amount until the amount owed has been repaid.
Visa Cardholder Agreement| Loan Term | APR* | Rate Type | Estimated monthly payment | Apply Today! |
|---|---|---|---|---|
| 12 months | Fixed | $87.91 per $1,000 borrowed | Personal Loan Application | |
| 36 months | Fixed | $32.73 per $1,000 borrowed | ||
| 48 months | Fixed | $26.33 per $1,000 borrowed | ||
| 48 months | Variable | $26.33 per $1,000 borrowed** | ||
| Overdraft Line of Credit | Fixed | $20.00 min monthly payment |
*APR is Annual Percentage Rate. Loans offered on approved credit, not all applicants will qualify. Rates and terms may vary based on credit profile and credit union services used. Rates and terms subject to change without notice. No down payment required. Other terms and conditions may apply.
**Subject to change with changes in variable rate.
| Loan Term | APR* | Rate Type | Estimated monthly payment | Apply Today! |
|---|---|---|---|---|
| 72 months** | Fixed | $17.53 per $1,000 borrowed | Adventure Loan Application | |
| 84 months | Fixed | $15.58 per $1,000 borrowed | ||
| 120 months | Fixed | $12.39 per $1,000 borrowed | ||
| 144 months | 8.99% | Fixed | $11.37 per $1,000 borrowed |
*APR is Annual Percentage Rate. Loans offered on approved credit, not all applicants will qualify. Rates and terms may vary based on credit profile and credit union services used. Rates and terms subject to change without notice. No down payment required.
Other terms and conditions may apply.
**72 month term maximum on non-street motorcycles and ATV’s.
| Loan Term | Rate* | Fee | APR | Apply Today! |
|---|---|---|---|---|
| 30-Year Conventional | Traditional Mortgage Loan Application | |||
| 30-Year – 7/6 mo ARM | ||||
| 15-Year Conventional | ||||
| Reverse Mortgage | Call for details | Call for details | Call for details |
*APR is Annual Percentage Rate and are estimated on $350,000 loan amount with 80% loan-to value. Loans offered on approved credit, not all applicants will qualify. Rates and terms may vary based on credit profile and credit union services used. Rates and terms subject to change without notice. No down payment required options available. Other terms and conditions may apply.
| Loan Term | APR* | Rate Type | Estimated monthly payment | Apply Today! |
|---|---|---|---|---|
| HELOC | Variable | Greater of $100 or 1.50% of balance | Home Equity Loan Application | |
| 5 years | Fixed | $19.80 per $1,000 borrowed | Second Mortgage Loan Application | |
| 7 years | Fixed | $15.21 per $1,000 borrowed | ||
| 10 years | Fixed | $11.86 per $1,000 borrowed | ||
| 12 years | Fixed | $10.68 per $1,000 borrowed | ||
| 15 years | Fixed | $9.41 per $1,000 borrowed |
*APR is Annual Percentage Rate. Loans offered on approved credit, not all applicants will qualify. Rates and terms may vary based on credit profile and credit union services used. Rates and terms subject to change without notice. No down payment required. Loan maximum is $50,000 up to 100% LTV or $250,000 up to 80% LTV. Other terms and conditions may apply.
On Variable Rate loans, the index is based on the “U.S. Prime Rate” as listed in the “Money Section of the Wall Street Journal on the third Wednesday of March, June, September, and December plus a margin to be disclosed in your closing documents. The APR will never be greater than 18.00%. Any interest rate increase will result in more payments of the same amount until the amount owed has been repaid.
| Loan Term | Rate* | Fee | APR* | Estimated monthly payment | Apply Today! |
|---|---|---|---|---|---|
| 5 years | $19.44 per $1,000 borrowed | Short-Term Mortgage Application | |||
| 7 years | $14.72 per $1,000 borrowed | ||||
| 10 years | 5.99% | 0.000% | 5.99% | $11.35 per $1,000 borrowed | |
| 10 years | 5.625% | 1.000% | 5.855% | $11.16 per $1,000 borrowed | |
| 12 years | $10.28 per $1,000 borrowed | ||||
| 12 years | $10.08 per $1,000 borrowed |
*APR is Annual Percentage Rate and are estimated on $250,000 loan amount with 80% loan-to value. Loans offered on approved credit, not all applicants will qualify. Rates and terms may vary based on credit profile and credit union services used. Rates and terms subject to change without notice. No down payment required options available. Other terms and conditions may apply.
| Loan Term | APR* | Origination | LTV | Apply Today! |
|---|---|---|---|---|
| Construction < 12 months | Construction & Lot Loan Application | |||
| 30/5 balloon lot loan | ||||
| 30/2 balloon lot loan | ||||
| 10 year lot loan |
*APR is Annual Percentage Rate. Loans offered on approved credit, not all applicants will qualify. Rates and terms may vary based on credit profile and credit union services used. Rates and terms subject to change without notice. No down payment required. Other terms and conditions may apply.
**Subject to change with changes in variable rate.
| Account Type | Rate | APY |
|---|---|---|
| Savings | ||
| Secondary Savings | ||
| Free Checking |
*APY is Annual Percentage Yield. Dividends are compounded and credited monthly based on the daily balance formula. All deposit rates are variable. Minimum balance requirements apply. Contact a Member Service Representative for details. Federally insured by NCUA.
Truth-in-Savings/Fee Schedule
Membership Account Agreement
Funds Availability Policy
| Type | APY** | Div. Rate | Min. Balance/ Mo. Fee |
|---|---|---|---|
| Always Insured - ICS Money Market | 2.960% | 3.00% | $250,000.00/none |
*APY is Annual Percentage Yield. Dividends are compounded and credited monthly based on the daily balance formula. All deposit rates are variable. Minimum balance requirements apply. Deposits placed in ICS are subject to terms, conditions, and disclosures in applicable agreements. Contact a Business Services Representative for details. Federally insured by NCUA.
Business Truth-in-Savings/Fee Schedule
Business Membership Account Agreement
Funds Availability Policy
| Minimum Balance | Rate | APY | *Bonus Rate | *APY w/ Bonus |
|---|---|---|---|---|
| $ | n/a | 0.10% | ||
| $ | *+0.25 | *1.50% | ||
| $ | *+0.25 | *1.50% | ||
| $ | *+1.00 | *2.25% | ||
| $ | *+1.00 | *2.25% | ||
| $ | *+1.50 | *3.00% | ||
| $ | *+2.00 | *4.00% | ||
| $500,000 | 1.982% | 2.00% | *+2.00 | *4.00% |
| $1,000,000 | 2.227% | 2.25% | *+2.00 | *4.25% |
APY is Annual Percentage Yield. Dividends are compounded and credited monthly based on the daily balance formula. All deposit rates are variable. Minimum balance requirements apply. Contact a Member Service Representative for details. Federally insured by NCUA.
*Dividend+ account holders earn a bonus rate on Money Market accounts if an average daily balance of at least $5,000 is maintained in Dividend+
Truth-in-Savings/Fee Schedule
Membership Account Agreement
Funds Availability Policy
| Account Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 3-Month Penalty-Free | $500 | 2.960% | 3.00% |
| 6-11 months | $ | ||
| 5 Month SPECIAL | $500 | 4.602% | 4.70% |
| 12 months | $ | ||
| 18 months | $ | ||
| 24 months | $ | ||
| 36 months | $ | ||
| 48 months | $ | ||
| 60+ months | $ |
*APY is Annual Percentage Yield. Dividends are compounded and credited monthly based on the daily balance formula. Rate/offer subject to change without notice. Minimum balance requirements apply. Contact a Member Service Representative for details. Penalties may be imposed for early withdrawals. Federally insured by NCUA.
Truth-in-Savings/Fee Schedule
Membership Account Agreement
Funds Availability Policy
| Account Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 12 – 23 months | $ | ||
| 24 – 35 months | $ | ||
| 36 – 47 months | $ | ||
| 48 – 59 months | $ | ||
| 60+ months | $ | ||
| Home Buyer | $ |
*APY is Annual Percentage Yield. Dividends are compounded and credited monthly based on the daily balance formula. All deposit rates are variable. Minimum balance requirements apply. A minimum monthly automatic deposit is required for First-Step (at least $10) and Home-Buyer (at least $25) Certificates. Contact a Member Service Representative for details. Penalties may be imposed for early withdrawals. Early withdraw penalty will be waived where funds from a Home-Buyer Certificate are used toward the purchase of a home. Federally insured by NCUA.
Truth-in-Savings/Fee Schedule
Membership Account Agreement
Funds Availability Policy
| Minimum Balance | Rate | APY |
|---|---|---|
| $ | ||
| $ | ||
| $ |
*APY is Annual Percentage Yield. Dividends are compounded and credited monthly based on the daily balance formula. All deposit rates are variable. Please contact a qualified tax professional for your specific IRA, HSA, ESA or retirement account needs. Contact a Member Service Representative for details. Federally insured by NCUA.
Truth-in-Savings/Fee Schedule
Membership Account Agreement
Funds Availability Policy
