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APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of 1/6/2010.
Rate Description Term Payment Description APR APR Type
New & Used Car Financing (2006 & Newer) Up to 7 Years! Rates as low as 3.99% Fixed
Used Vehicle - Over 5 Years Old, Motorcycles, Boats, and Recreational Vehicles Based on Vehicle Rates as low as 4.49% Fixed
Unsecured Loan Up to 48 Months Rates as low as 9.00% Fixed
First Mortgage - Fixed Fifteen Years Rates as low as 4.99% Fixed
First Mortgage - Five Year Balloon Up to Thirty Years Rates as low as 4.25% Fixed
Equity Loan 5 Year Balloon Rates as low as 4.75% Fixed
Home Equity Line of Credit Revolving Line Prime Plus .5% 1% of Amount Borrowed (as low as) 3.75% Variable
New Mobile Home Up to Ten Years Rates as low as 12.00% Fixed
Kwik Cash Revolving Line $5.00 per $100.00 Borrowed 12.25% Variable
Kwik Cash Plus Rates as Low as Prime Plus 4% 2% of Amount Borrowed (as low as) 3.50% Variable

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates
Rates as of 1/6/2010.
Rate Description Term Dividend Rates APY
Share Certificate Two Year 2.00% 2.02%
Share Certificate One Year 1.60% 1.61%
Share Certificate Six Months 1.35% 1.36%
Share Certificate Three Months 1.00% 1.01%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates
Rates as of 1/6/2010.
Rate Description Term Dividend Rates APY
Regular Share Accounts 0.40% 0.40%
School Savings 0.75% 0.75%
Christmas Savings 0.75% 0.75%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of 1/6/2010.
Rate Description Term Dividend Rates APY
IRA Open Account 1.50% 1.51%
IRA Share Certificate Two Years 2.00% 2.02%
IRA Share Certificate One Year 1.60% 1.61%
IRA Share Certificate Six Months 1.35% 1.36%
IRA Share Certificate Three Months 1.00% 1.01%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.


         

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