Rates


All rates subject to change. Final rates are quoted at the credit union.


Deposit Accounts (Effective March 24, 2017)
Type of Account Minimum Balance Dividend Rate APY*
Regular Shares $5.00 0.05% 0.0500%
Prime Shares Tiers APR APY
--- Under $100 0.00% 0.00%
--- $100 - $10,000 0.10% 0.100042%
--- $10,001 - $25,000 0.20% 0.200187%
--- $25,001 - $50,000 0.25% 0.250283%
--- $50,001 and Over 0.30% 0.300413%
Share Draft (Checking) $100.00 0.00% 0.00%

For Regular Shares, Prime Shares and Share Draft Accounts:
Monthly dividends on the average daily balance of $100 or above.
Rates are set by the Board of Directors each month.






Share Secured Loans
Rate (APR*) Maximum Term Maximum Amount
3.00% above Share Rate 120 months none


Unsecured Loans
Repayment Term Minimum Loan Amount Annual Percentage Rate (based on credit score)
--- --- >720 680-719 640-679 600-639 <599
12-48 months $1,000.00 7.00% (max $25,000) 8.25% (max $20,000) 10.00% (max $7,500) 15.99% (max $5,000) 17.99% (max $2,500)
49-60 months $5,000.00 8.00% (max $25,000) 9.50% (max $20,000) 13.50% (max $7,500) --- ---




New Autos, RV's, Motorcycles, Boats
Repayment Term Min. Loan Amount APR Based on Credit Score
> 720 680-719 640-679 600-639 < 599
36 months $1,000 2.49% 3.49% 5.29% 7.24% 12.24%
48 months $1,000 2.99% 3.99% 5.49% 7.49% 12.49%
63 months $1,000 3.99% 4.99% 6.39% 8.25% 12.49%
75 months $15,001 5.49% 5.25% 6.75% n/a n/a
84 months $25,001 4.99% 5.75% n/a n/a n/a



Used Autos, RV's, Motorcycles, Boats (Model Year 2012-2016)
Repayment Term Min. Loan Amount APR Based on Credit Score
> 720 680-719 640-679 600-639 < 599
36 months $1,000 2.75 3.75% 5.50% 7.50% 12.24%
48 months $1,000 3.29% 4.29% 5.75% 7.75% 12.49%
63 months $1,000 4.25% 5.25% 6.50% 8.50% 12.49%
75 months $15,001 4.99% 5.75% 7.29% n/a n/a



Used Autos (Model Year 2011 and older)
Repayment Term Min. Loan Amount APR Based on Credit Score
> 720 680-719 640-679 600-639 < 599
36 months $1,000 3.00% 3.99% 5.60% 7.75% 13.00%
48 months $1,000 3.99% 4.99% 6.00% 8.50% 15.00%
63 months $1,000 5.15% 5.99% 6.75% 9.75% 18.00%


All rates are subject to change without notice.

1 Actual rate will vary depending on applicant’s credit ratings and length of loan term.

2 100% LTV financing available based on NADA Guide. Up to 125% financing available with the purchase of GAP Insurance.

Payment example based on a $10,000 loan: $167.29 at 1.99% APR with a 63-month term: $144.11 at 2.49% APR with a 75-month term: $134.35 at 3.49% APR with an 84-month term.


Over Draft Line of Credit
Percentage Rate Amount
7.50% Max amount up to $3,000.00

Transfers will be done automatically. $10.00 fee charged per transfer.


Right Hand Drive Vehicles: Deduction of 1.00% from standard rates. (Loan specials do not apply)

Late Charge:
If payment is 15 days late or more, you will be charged ten percent (10%) of the scheduled payment. Minimum of $10.00.

Collection Costs:
You promise to pay all cost of collection of the amount you owe under this agreement including court cost and reasonable attorney fees.

Rate reductions apply for using our services. Call for details.

All rates are shown as Annual Percentage Rate (APR).

All rates are based on creditworthiness of the borrower/co-borrower. Once the credit worthiness of the applicant has been determined, the actual rate and term will be disclosed to the applicant.

All rates are subject to change without notice. Call the credit union for up to date rates and terms Monday-Friday 8:30 a.m. to 5:00 p.m. at 434.973.4280.








For Mortgage, HomeEquity and Credit Card Rates please contact the credit union.