Rates
Shares |
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Savings | |||
$100,000+ | 0.450% APY | ||
$50,000 – $99,999.99 | 0.200% APY | ||
$25,000 – $49,999.99 | 0.175% APY | ||
$10,000 – $24,999.99 | 0.100% APY | ||
$100 – $9,999.99 | 0.075% APY | ||
Smarts Starts Early Youth Savings | |||
$100 – $2,500.00 | 5.00% APY | UP TO AGE 21 | |
Premium Money Market |
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$25,000.00 – $49,999.99 | 0.50% APY | ||
$50,000.00 – $99,999.99 | 0.75% APY | ||
$100,000+ | 1.50% APY | ||
CDs | |||
18 Month CD for New Member | $10,000 max | 4.00% APY | |
6 Month CD | $500 min | 2.85% APY | |
12 Month CD | $500 min | 3.35% APY | |
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Loan Interest Rates |
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New Auto | |||
Duration | Per Thousand Borrowed | Rate | |
48 Months | $23.49 | 6.00% APR | |
60 Months | $19.34 | 6.00% APR | |
72 Months | $16.82 | 6.50% APR | |
84 Months | $15.10 | 7.00% APR | |
96 Months* | $13.89 | 7.50% APR | |
Pre-Owned Auto | |||
Duration | Per Thousand Borrowed | Rate | |
48 Months | $23.72 | 6.50% APR | |
60 Months | $19.81 | 7.00% APR | |
72 Months | $17.30 | 7.50% APR | |
84 Months | $15.59 | 8.00% APR | |
RVs | |||
Duration | Per Thousand Borrowed | Rate | |
New RV | 12 years max | $10.29 | 7.00% APR | |
Used RV | 12 years max | $10.56 | 7.50% APR | |
Boats | |||
Duration | Per Thousand Borrowed | Rate | |
New Boat | 12 years max | $9.89 | 6.25% APR | |
Used Boat | 12 years max | $10.16 | 6.75% APR | |
Personal | |||
Duration | Per Thousand Borrowed | Rate | |
$2,500 36 months max | $32.85 | 11.24% APR | |
$5,000 36 months max | $32.38 | 10.24% APR | |
$12,000 84 months max | $16.22 | 9.24% APR | |
Debt Consolidation | |||
Duration | Per Thousand Borrowed | Rate | |
$20,000 | 84 months max | $16.73 | 10.24% APR | |
Share-Secured | |||
Duration | Rate | ||
90% of Share Balance | 60 months | As Low As 5.25% | US Prime minus 3.0% APR | |
(longer terms available) | |||
Mortgage Loans | |||
First Mortgage | |||
Duration | Per Thousand Borrowed | Rate | |
15 Year Fixed | 80% LTV | $7.52 | 4.25% APR | |
30 Year Fixed | 80% LTV | $5.52 | 5.25% APR | |
40/30 Balloon Fixed | 80% LTV | $4.99 | 5.25% APR | |
Home Equity | |||
Duration | Rate | ||
30/10 Balloon | 65% CLTV | US Prime minus 0.5% APR | ||
40/10 Balloon | 65% CLTV | US Prime minus 0.5% APR | ||
Investor Spec | |||
Duration | Per Thousand Borrowed | ||
18 mo. Interest Only | $300k Max | 50% LTV | Interest Only Payments of $8.33 | 9.99% APR | |
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