Share Rates

Share TypeAnnual Percentage Rate (APR)Annual Percentage Yield (APY)Notes
Share Account0.03%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 Accounts0.20%0.20% 
Christmas Clubs0.20%0.20% 
   Effective date: 10/01/2022
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(October 1). Early withdrawal will forfeit all interest earned.

Loan Rates

Loan TypeTermAnnual Percentage RateNotes
New Vehicle36 Months2.0%$50,000 maximum
 48 Months2.0%New Car Special Rate Offer
 60 Months2.5%New Car Special Rate Offer
 72 Months2.9%New Car Special Rate Offer
DEMO 36 Months2.5%2020-2022 $50,000 maximum
 48 Months3.0%Under 15,000 miles
 60 Months3.5% 
 72 Months4.0% 
Used Vehicles24 Months2.5%2016 - 2021 $40,000 maximum
 36 Months3.0% 
 48 Months3.5% 
 60 Months4.0% 
Used Vehicles24 Months3.0%2014-2015 $30,000 maximum
 36 Months3.5% 
 48 Months4.0% 
 60 Months4.5% 
CALL FOR OLDER VEHICLES************************************************
LOAN SPECIAL12 Months4.0%$1,000 max. - Payroll Deduction
LOAN SPECIAL24 Months5.0%$2,500 max. - Monthly Payments
Fully Covered Shares12-24 Months2.0%Using Members Shares
Fully Covered Shares36 Months2.0%Using Members Shares
Fully Covered Shares48 Months3.0%Using Member Shares
Fully Covered Shares60 Months3.0%Using Member Shares
Signature Loan12 Months9.00% $5,000 maximum
 24 Months10.00%$5,000 maximum
 36 Months11.00% $5,000 maximum
 48 Months12.00% $5,000 maximum
Co-Signer Loans &
Spouse can no Co-Sign
12 Months9.00% $15,000 maximum
Co-Signer Loans &
Spouse can no Co-Sign
24 Months10.00%$15,000 maximum
Co-Signer Loans &
Spouse can no Co-Sign
36 Months11.00%$15,000 maximum
Co-Signer Loans &
Spouse can no Co-Sign
48 Months12.00%$15,000 maximum
Co-Signer Loans &
Spouse can no Co-Sign
60 Months12.00%$15,000 maximum
   Effective Date: 10/01/2022
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.