| Loans | APR* | Term |
| NEW VEHICLE (2019, 2018) As Low as… | 4.25 | 72 |
| NEW VEHICLE (2019, 2018)** As Low as… | 5.25 | 84 |
| USED VEHICLE - - - - - - - - - - - - - - - - - - - - - - - - - - - Contact Credit Union for details | ||
| EDUCATION - CREDIT UNION | 9.00 | 120 |
| REAL ESTATE-MORTGAGE-FIXED RATE As Low as… | 5.00 | 60 |
| REAL ESTATE-MORTGAGE-FIXED RATE As Low as… | 5.00 | 120 |
| REAL ESTATE-MORTGAGE-FIXED RATE As Low as… | 5.00 | 180 |
| HOME EQUITY - ADJ RATE - 1st Quarter 2020 | 5.58 | n/a |
| MOBILE HOMES - NEW & USED– - - - - - - - - - - - - - Contact Credit Union for details | ||
| PERSONAL/FULLY SECURED/SHARES | 3.10 | 120 |
| PERSONAL/FULLY SECURED/CERTIFICATE*** | 3.85 | 60 |
| PERSONAL/UNSECURED As Low as… | 9.75 | 60 |
*APR equals annual percentage rate
**72 & 84 mos available for “new” vehicles valued over $18,000.
***Highest certificate rate used for calculation purposes.
ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE.
| Savings | Rate | APY* | Term |
| Regular Shares - $50 or more** | .100 | .100 | n/a |
| Special Shares(Vacation, taxes, etc.) | .100 | .100 | n/a |
| Christmas | .300 | .300 | n/a |
| Money Market Shares- $1000 to $9999.99 | .250 | .250 | n/a |
| Money Market Shares- $10,000 to 99,999.99 | .300 | .300 | n/a |
| Money Market Shares- $100,000.00 & up | .350 | .350 | n/a |
| Share Drafts - $500 or more*** | 0.00 | 0.00 | n/a |
| IRA Shares | .300 | .300 | n/a |
*APY equals annual percentage yield
**Dividends earned on daily balances of $50 or more
***Dividends earned on daily balances of $500 or more
The dividend rate and annual percentage yield may change every dividend period.
We may change the dividend rate for your account as determined by the credit union board of directors.
If a share account is closed for any reason other than death, dividends earned by not yet credited, will not be paid.
ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE
| Certificates | Rate | APY* | Term |
| 3 Month Certificate*** currently unavailable | N/A | N/A | 3 |
| 6 Month Certificate*** | .200 | .200 | 6 |
| 9 Month Certificate*** | .300 | .300 | 9 |
| 12 Month Certificate | .399 | .400 | 12 |
| 18 Month Certificate | .499 | .500 | 18 |
| 24 Month Certificate | .648 | .650 | 24 |
| 30 Month Certificate | .748 | .750 | 30 |
| 36 Month Certificate | .847 | .850 | 36 |
| 36 Month Certificate-$1000 minimum - currently unavailable | N/A | N/A | 36 |
| 36 Month Certificate-$5000 minimum - curently unavailable | N/A | N/A | 36 |
| IRA /12 Month Certificate, *includes Traditional IRA, Roth IRA & COVERDELL ESA | .748 | .750 | 12 |
| IRA/24 Month Certificate , *includes Traditional IRA, Roth IRA & COVERDELL ESA | .847 | .850 | 24 |
| IRA/36 Month Certificate, *includes Traditional IRA, Roth IRA & COVERDELL ESA | .947 | .950 | 36 |
*APY equals annual percentage yield
**$500 minimum balance for all terms
***3, 6 and 9 month certificates renew automatically unless CU is advised otherwise
****All other terms will be deposited to shares at maturity unless CU is advised otherwise
Penalty for early withdrawal of 3, 6 or 9 month certificate of deposit will be the value of one month’s dividend, if earned.
Penalty for early withdrawal of 12 to 36 month certificates of deposit will be the value of one quarter’s (three months) dividend, if earned.
ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE.