Rates

Rates as of October 1, 2017

Download the current rate sheet.

Loan Rates

Auto
  Term APR* Monthly Payment
(Months) with Disability & Life Insurance without insurances
Payments per $1,000 for maximum term
2015-2017 0 – 36 1.75% 30.26 28.55
37 – 60 2.25% 19.07 17.65
61 – 72 2.75% 16.46 15.10
73 – 84 3.25% 14.65 13.34
2014 0 – 60 2.75% 19.31 17.88
61 – 72 3.25% 16.71 15.33
73 – 84 3.75% 14.91 13.57
2013 0 – 60 3.00% 19.43 17.99
61 – 72 3.50% 16.80 15.44
2012 0 – 54 3.25% 21.46 19.95
55 – 66 3.75% 18.20 16.82
2011 0 – 48 3.50% 23.96 22.38
49 – 60 4.00% 19.88 18.44
2010 0 – 48 3.75% 24.08 22.50
49 – 60 4.25% 20.00 18.56
2009 & older 0 – 36 4.00% 31.34 29.56
37 – 48 4.50% 24.38 22.84

*Annual Percentage Rate (APR)

Home Equity
  Term RATE APR*^ Monthly Payment
(Months) with Disability & Life Insurance without insurances
Payments per $1,000 for maximum term
Loan (1st Lien)
(0-85% LTV)
0 – 60 2.50% 2.62% N/A 17.76
61 – 84 3.00% 3.09% N/A 13.23
85 – 120 3.00% 3.06% N/A 9.67
121 – 180 3.50% 3.54% N/A 7.16
Loan (2nd Lien)
(0-85% LTV)
0 – 60 3.75% 3.87% 19.81 18.33
61 – 84 4.00% 4.09% 15.07 13.69
85 – 120 4.00% 4.06% 11.43 10.14
121 – 180 4.25% 4.29% N/A 7.54
Loan (2nd Lien)
(85.01-100% LTV)
0 – 60 6.65% 6.77% 21.23 19.68
61 – 84 6.85% 6.94% 16.55 15.05
85 – 120 6.85% 6.92% 13.06 11.56
121 – 180 6.85% 6.90% N/A 8.93
Line-of-Credit 4.25% 4.25%***

*Annual Percentage Rate (APR)

***Annual Percentage Rate (APR) is a variable interest rate determined by the Independent Index of the Wall Street Journal’s Prime Rate.  When of range of rates has been published, the highest rate will be used.  We use the most recent Index value available to us as of 15 days prior to any/all quarterly APR adjustments on the first day January, April, July, and September.  If the rate is not rounded, we round up to the next .25%.

^Reflects $150 Origination Fee on $50,000 loan amount.  Minimum Home Equity Loan is $5,000.

Mortgage
Term RATE APR*
30 Year Fixed 4.000% 4.077%
15 Year Fixed 3.250% 3.384%
5 Year ARM 3.625% 3.920%
Rates as of November 20, 2017

*Annual Percentage Rate (APR).  Reflects 0.000% Points.

Other Collateral
  Term APR* Monthly Payment
(Months) with Disability & Life Insurance without insurances
Payments per $1,000 for maximum term
0 – 36 11.25% 34.87 32.97

*Annual Percentage Rate (APR)

Personal
  Term APR* Monthly Payment
(Months) with Disability & Life Insurance without insurances
Payments per $1,000 for maximum term
Savings Secured 0 – 60 1.90% 18.85 17.50
Signature 0 – 42 11.00% 30.72 28.88
Line-of-Credit 10.50%
VISA 11.75%

*Annual Percentage Rate (APR)

Recreational Vehicle
  Term APR* Monthly Payment
(Months) with Disability & Life Insurance without insurances
Payments per $1,000 for maximum term
New 0 – 60 6.50% 21.15 19.61
61 – 84 6.75% 16.49 15.00
85 – 120 7.00% 13.15 11.64
Used 0 – 48 7.00% 25.63 24.00
49 – 84 7.50% 16.91 15.38

*Annual Percentage Rate (APR)

Student (CU Student Choice)

As low as 6.00% APR*

*Annual Percentage Rate.  The index rate is variable and will adjust quarterly, using the Prime Rate as published in the Money section of the Wall Street Journal on the first day of the preceding month.  Rates will range from 2 – 5% above the Prime Rate, with a floor rate as low as 6.00%.  Your rate will be determined based on credit approval.  Other terms and conditions may apply.  Contact the Credit Union for complete details.

Dividend Rates

Savings & IRA Savings
  Rate APY**
0.01 – 10,000.00 0.15% 0.15%
10,000.01 – 25,000.00 0.20% 0.20%
25,000.01 – 50,000.00 0.25% 0.25%
50,000.01 – above 0.35% 0.35%

**Annual Percentage Yield (APY)

Checking
  Rate APY**
0.01 – above 0.10% 0.10%

**Annual Percentage Yield (APY)

Christmas Club
  Rate APY**
0.01 – above 0.15% 0.15%

**Annual Percentage Yield (APY)

Certificates and IRAs
  Rate APY**
Income 0.80% 0.80%
Growth 0.80% 0.80%
** Annual Percentage Yield (APY)