Rates

Effective 08/01/15

Rate disclosed is lowest possible rate and may be higher depending on current or past credit history. Loans are subject to membership eligibility, credit approval and application. Down payment requirements are based on credit score. Certain conditions may apply. APR denotes Annual Percentage Rate.

Members who choose 2 of the 4 products may qualify for a .50% discount on loans.
Home Equity Loans, Mortgages and Visa Cards are exempted.

 

New Automobile Loans - up to 110% OF MSRP

 Any down payment requirement is based on credit score.

  Unit cost example based on $15,000 loan with 60 monthly payments of 18.24 per $1000 borrowed

Term

APR As Low As

1 - 5 Years

2.24%

6 Years

2.99%

 7 Years

3.24% 

 

Used Automobile/Motorcycle Loans 

Model Year

APR As Low As

2015-2013

3.49%

2015-2013 over $15,000

3.99%

2012-2008

4.75%

2007 & Older 

4.75%  - 4.99% (term)

  • Classic Vehicles - 90% appraised value Purchase Vehicle - AS LOW AS 8.75%

    Collateral Loan - AS LOW AS 10.50% 
    $6,000 and over can be financed for 5 years

  • Up to 20% down payment may be required

  

Boat/Recreational Loans

 

 Unit cost example based on $15,000 loan with 60 monthly payments of 18.24 per $1000 borrowed
    

Rate disclosed is lowest possible rate and may be higher depending on current or past credit history. Loans are subject to membership eligibility, credit approval and application. APR denotes Annual Percentage Rate.

  • Unit cost example based on $15,000 loan with 60 monthly payments of 18.24 per $1000 borrowed

     Up to 20% down payment may be required

 

Loan Type

Amount

Term

APR As Low As

New Boat/Recreational -
$50,000 Max

up to $10,000

up to $25,000

greater than $25,000

60 Months

84 Months

120 Months

7.25%

7.25%

7.50%

Used Boat/Recreational -
$50,000 Max

up to $10,000

up to $25,000

greater than $25,000

60 Months

84 Months

120 Months

8.75%

8.75%

9.00%

Lawn Tractors/
Enclosed Hauling Trailers

$4,000 Maximum

36 Months

 15.00%

 

 Signature/Personal Loans

  • Rate disclosed is lowest possible rate and may be higher depending on current or past credit history. Loans are subject to membership eligibility, credit approval and application. APR denotes Annual Percentage Rate.

Amount

Term

APR As Low As

$1,000 or less
$1,001 - $1,500
$1,501 - $2,000
$2,001 - $4,000
$4,001 - $6,000 
$6,001 - $10,000

 

12 Months
18 Months
24 Months
36 Months
48 Months
60 months

 


8.75% - 9.25% depending on term
 

 

 

1st Mortgage Loans & Home Equity Loans

  • Please contact the credit union for current rates and terms

Call 419-865-4933 for rates 

 

 

 

Investment Accounts

Rates are expressed in Annual Percentage Yields (APY*)
Dividends cannot be paid in excess of earnings
Certificates require a $1000 minimum balance
$100 minimum balance required to earn dividends on Shares and Christmas Club
$5,000 minimum daily balance required on Money Market Accounts to earn dividends
$500 minimum balance required on IRA Shares
Fees could reduce the earnings on these accounts
A penalty will or may be imposed for early withdrawal on share certificates
Share account rates may change quarterly as directed by the Board of Directors
Daily Balance computation Method:  All dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day

  

 Investment Type

    Dividend Rate

   APY*

Shares

.10%

.10%

Christmas Club

.05%

.05%

 

 

 

IRA Shares

.15%

.15%

     
Money Market Account (tiered rates)    
$5k-$9,999

  .20%

 .20%

$10k-$49,999

 .30%

.30%

$50k-$99,999

 .40%

  .40%

$100k-$149,999

.50%

.50%

$150k - $249,999

.60%

.60%

$250K+

     .75%

  .75%

6 Month Share Certificate                 

.25%

.25%

12 Month Share Certificate

.50%

.50%

24 Month Share Certificate

.85%

.85%

36 Month Share Certificate

1.24%

          1.25%          

48 Month Share Certificate

 1.49%

1.50%


 

Investment  Rates are accurate as of 01/25/16

 

FEE SCHEDULE

 

 


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