Rates

Share Rates

Share Type	Annual Percentage Rate	Annual Percentage Yield	Notes
Share Account	0.03%	0.03%	Min. balances $50.00 - $5,000.00
	0.10%	0.10%	$5,001.00 - $25,000.00
	0.20%	0.20%	$25,001.00 - $40,000.00
	0.30%	0.30%	$40,001.00 and up.
IRA Accounts	0.20%	0.20%
Christmas Clubs	0.20%	0.20%
			Effective date: 07/01/2020

Withdraw requests are limited to one per month. A second request will be granted only in a case of emergency. In the event of excessive withdraws, a review will be done to determine the nature of the withdrawls and a final notice will be given to the member, in writing or verbal, if the withdrawals are not warranted. If additional withdrawal requests continue, the member's payroll deduction into their shares will be canceled.

Note: Same day check requests must be submitted no later than 2 hours prior to closing.

Christmas Clubs: Interest will be calculated at time of check distribution(November 1). Early withdrawal will forfeit all interest earned.

Loan Rates

Loan Type	Term	Annual Percentage Rate	Notes
New Vehicle	36 Months	2.0%	$50,000 maximum
	48 Months	2.5%	New Car Special Rate Offer
	60 Months	2.9%	New Car Special Rate Offer
	72 Months	3.5%	New Car Special Rate Offer
HAVE GOOD CREDIT	WE MATCH OR BEAT	DEALERS RATE	CALL US
DEMO	36 Months	3.0%	2017-2019 $50,000 maximum
	48 Months	3.5%	Under 15,000 miles
	60 Months	4.0%
	72 Months	4.5%
Used Vehicles	24 Months	3.5%	2014 - 2019 $40,000 maximum
	36 Months	4.0%
	48 Months	4.5%
	60 Months	5.0%
Used Vehicles	24 Months	4.0%	2011-2013 $30,000 maximum
	36 Months	4.5%
	48 Months	5.0%
	60 Months	5.5%
CALL FOR OLDER VEHICLES	*****************	***************	****************
LOAN SPECIAL	12 Months	4.0%	$1,000 max. - Payroll Deduction
LOAN SPECIAL	12 Months	5.0%	$1,000 max. - Monthly Payments
Fully Covered Shares	12-24 Months	2.0%	Using Members Shares
Fully Covered Shares	36 Months	2.5%	Using Members Shares
Fully Covered Shares	48 Months	3.0%	Using Member Shares
Fully Covered Shares	60 Months	3.5%	Using Member Shares
Signature Loan	12 Months	9.00%	$5,000 maximum
	24 Months	10.00%
	36 Months	11.00%
	48 Months	12.00%
			Effective Date: 1/1/2019

Visa Credit Card current rate: 12.99%

All loan requests are subject to review and approval of the Credit Committee.
All rates are subject to change.