Loan Rate Schedule
Effective Date: March 3, 2025 - All Rates are Subject to Change
Auto Loan (New, Used, & Refinance)
| Term | Rates |
|---|---|
| 36 mo. (all model years) | 5.49% - 16.20% |
| 48 mo. (all model years) | 5.49% - 16.45% |
| 60 mo. (2019 and newer) | 5.49% - 16.70% |
| 72 mo. (2023 and newer) | 6.09% - 17.20% |
New and Used Boat, RV, Jet Ski, and Motorcycle Loan
| Term | Rates |
|---|---|
| 48 mo. to 120 mo. | 7.15% - 16.24% |
Other Collateral
| Term | Rates |
|---|---|
| 48 mo. | 7.15% - 16.24% |
Personal Loan
| Term | Rates |
|---|---|
| 12 mo. | 10.00% - 18.00% |
| 24 mo. | 10.25% - 18.00% |
| 36 mo. | 10.50% - 18.00% |
| 48 mo. | 10.75% - 18.00% |
| 60 mo. | 11.00% - 18.00% |
Fast Cash Loan
| Term | Rate |
|---|---|
| 6 mo. | 24.00% |
MasterCard
| Type | APR* |
|---|---|
| Regular | 9.90% |
| Gold | 8.90% |
For Share and Certificate Secured Loans, the interest rate is 3% above the current dividend rate paid on the respective Share Account or Share Certificate. The maximum loan amount is up to 90% of the funds on deposit.
Deposit Rate Schedule
Effective Date: May 6, 2025 - All Rates are Subject to Change
Share Account Savings
Share Draft Account (Checking)
Money Market Account
| Avg. Daily Balance | Dividend Rate (APR) | Annual Yield (APY) |
|---|---|---|
| $2,500 - $9,999 | 1.80% | 1.80% |
| $10,000 - $24,999 | 1.85% | 1.85% |
| $25,000 and over | 1.90% | 1.90% |
Christmas Club Account
| Avg. Daily Balance | Dividend Rate (APR) | Annual Yield (APY) |
|---|---|---|
| 1.00% | 1.00% |
Roth, Educational, and Traditional IRAs
| Avg. Daily Balance | Dividend Rate (APR) | Annual Yield (APY) |
|---|---|---|
| 4.00% | 4.07% |
Share Certificates (Certificates of Deposit)
Jumbo Share Certificates (Jumbo Certificates of Deposit)
The rates appearing on the rate schedule are accurate and effective for deposit accounts as of 05/06/2025 and are subject to change without notice. If you have any questions or require current rate information on your accounts, please call the credit union at (210) 353-2376.