| Savings Account | Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Minimum Opening Deposit | Minimum Balance to Earn APY in this Schedule | Disclaimer |
| Main Share | 0.05% | 0.05% APY | Quarterly | $5.00 | $365.00 | Annual Percentage Yield – APY, Rates are variable and may be changed or discontinued at any time. Dividends paid and compounded Quarterly on Savings Accounts. Subject to $5 membership fee. |
| Select Share | 0.05% | 0.05% APY | Quarterly | $5.00 | $0.00 | Annual Percentage Yield – APY, Rates are variable and may be changed or discontinued at any time. Dividends paid and compounded Quarterly on Savings Accounts. Subject to $5 membership fee. |
| Fast Pass Savings | 5.00% | 5.13% APY | Quarterly | $5.00 | $0.00 | Annual Percentage Yield – APY, Rates are variable and may be changed or discontinued at any time. Dividends paid and compounded Quarterly on Savings Accounts. Balances above $1,000 revert to the Main Share savings rate. Only available to members ages 0-17. Subject to $5 membership fee. |
| Emergency Fund | 0.50% | 0.50% APY | Quarterly | $5.00 | $0.00 | Annual Percentage Yield – APY, Rates are variable and may be changed or discontinued at any time. Dividends paid and compounded Quarterly on Savings Accounts. Subject to $5 membership fee. |
| Club Savings | 0.05% | 0.05% APY | Quarterly | $5.00 | $0.00 | Annual Percentage Yield – APY, Rates are variable and may be changed or discontinued at any time. Dividends paid and compounded Quarterly on Savings Accounts. Subject to $5 membership fee. |
| Freedom Savings | 6.78% | 7.00% | Monthly | $5.00 | $0.00 | Annual Percentage Yield – APY, Rates are variable and may be changed or discontinued at any time. Dividends paid and compounded Monthly on Savings Accounts. Subject to $5 membership fee. |
| IRA (Individual Retirement Account) Traditional & Roth) | Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Minimum Opening Deposit | Minimum Balance to Earn APY in this Schedule | Disclaimer |
| $0- $2,499.99 | 0.03% | 0.03% APY | Quarterly | None | $0.00 | Annual Percentage Yield. Rates will be updated as they change. Rates may be changed or discontinued at any time. Fees may reduce earnings. Dividends paid and compounded quarterly on IRAs. If account is closed before accrued dividends are credited, those dividends will be forfeited. This information is not intended as tax advice. Please consult a tax professional before making decisions regarding your IRA. Subject to $5 membership fee. |
| $2,500.00 – $9,999.99 | 0.07% | 0.07% APY | Quarterly | None | $0.00 | Annual Percentage Yield. Rates will be updated as they change. Rates may be changed or discontinued at any time. Fees may reduce earnings. Dividends paid and compounded quarterly on IRAs. If account is closed before accrued dividends are credited, those dividends will be forfeited. This information is not intended as tax advice. Please consult a tax professional before making decisions regarding your IRA. Subject to $5 membership fee. |
| $10,000.00 – $24,999.99 | 0.07% | 0.07% APY | Quarterly | None | $0.00 | Annual Percentage Yield. Rates will be updated as they change. Rates may be changed or discontinued at any time. Fees may reduce earnings. Dividends paid and compounded quarterly on IRAs. If account is closed before accrued dividends are credited, those dividends will be forfeited. This information is not intended as tax advice. Please consult a tax professional before making decisions regarding your IRA. Subject to $5 membership fee. |
| $25,000 and Greater | 0.12% | 0.12% APY | Quarterly | None | $0.00 | Annual Percentage Yield. Rates will be updated as they change. Rates may be changed or discontinued at any time. Fees may reduce earnings. Dividends paid and compounded quarterly on IRAs. If account is closed before accrued dividends are credited, those dividends will be forfeited. This information is not intended as tax advice. Please consult a tax professional before making decisions regarding your IRA. Subject to $5 membership fee. |
| Checking | Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Minimum Opening Deposit | Minimum Balance to Earn APY in this Schedule | Disclaimer |
| $0.00 – $999.99 | 0.03% | 0.03% APY | Quarterly | $0.00 | $0.00 | Annual Percentage Yield. Accurate as of the last dividend declaration date and may be changed or discontinued at any time after account is opened. Fees may reduce earnings on the account. Dividends are paid and compounded monthly. Subject to $5 membership fee. |
| $1,000.00 – $4,999.99 | 0.03% | 0.03% APY | Quarterly | $0.00 | $0.00 | Annual Percentage Yield. Accurate as of the last dividend declaration date and may be changed or discontinued at any time after account is opened. Fees may reduce earnings on the account. Dividends are paid and compounded monthly. Subject to $5 membership fee. |
| $5,000.00 and Greater | 0.05% | 0.05% APY | Quarterly | $0.00 | | Annual Percentage Yield. Accurate as of the last dividend declaration date and may be changed or discontinued at any time after account is opened. Fees may reduce earnings on the account. Dividends are paid and compounded monthly. Subject to $5 membership fee. |
| Money Market Account | Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Minimum Opening Deposit | Minimum Balance to Earn APY in this Schedule | Disclaimer |
| $0 – $24,999.99 | 0.07% | 0.07% APY | Quarterly | $0.00 | $0.00 | Annual Percentage Yield. Accurate as of the last dividend declaration date and may be changed or discontinued at any time after account is opened. Fees may reduce earnings on the account. Dividends are paid and compounded monthly. Subject to $5 membership fee. |
| $25,000.00 – $99,999.99 | 2.75% | 0.07% APY | Quarterly | $0.00 | $0.00 | Annual Percentage Yield. Accurate as of the last dividend declaration date and may be changed or discontinued at any time after account is opened. Fees may reduce earnings on the account. Dividends are paid and compounded monthly. Subject to $5 membership fee. |
| Greater than $25,000.00 | 2.75% | 2.79% APY | Quarterly | $0.00 | $0.00 | Annual Percentage Yield. Accurate as of the last dividend declaration date and may be changed or discontinued at any time after account is opened. Fees may reduce earnings on the account. Dividends are paid and compounded monthly. Subject to $5 membership fee. |
| HSA (Health Savings Account) | Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Minimum Opening Deposit | Minimum Balance to Earn APY in this Schedule | Disclaimer |
| $0.00 – $2,499.99 | 0.03% | 0.03% APY | Quarterly | $0.00 | $0.00 | Annual Percentage Yield. Accurate as of the last dividend declaration date and may be changed or discontinued at any time after account is opened. Fees may reduce earnings on the account. Dividends are paid and compounded monthly. Subject to $5 membership fee. |
| $2,500.00 – $9,999.99 | 0.07% | 0.07% APY | Quarterly | $0.00 | $0.00 | Annual Percentage Yield. Accurate as of the last dividend declaration date and may be changed or discontinued at any time after account is opened. Fees may reduce earnings on the account. Dividends are paid and compounded monthly. Subject to $5 membership fee. |
| $10,000.00 – $24,999.99 | 0.07% | 2.79% APY | Quarterly | $0.00 | $0.00 | Annual Percentage Yield. Accurate as of the last dividend declaration date and may be changed or discontinued at any time after account is opened. Fees may reduce earnings on the account. Dividends are paid and compounded monthly. Subject to $5 membership fee. |
| $100,000 and Greater | 3.73% | 3.80% APY | Quarterly | $0.00 | $0.00 | Annual Percentage Yield. Accurate as of the last dividend declaration date and may be changed or discontinued at any time after account is opened. Fees may reduce earnings on the account. Dividends are paid and compounded monthly. Subject to $5 membership fee. |
| Share Certificate Rates | Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Minimum Opening Deposit | | Disclaimer |
| 3-5 months | 0.10% | 0.10% APY | Quarterly | $500.00 | | Annual Percentage Yield. Certificates-$500.00 minimum deposit. Dividends paid and compounded quarterly. Rates may be changed or discontinued at any time; call your local branch for current rates. Fees and/or withdrawals will reduce earnings. When opening a certificate the member has agreed to leave the principal of this account on deposit for the full term stated in the account or renewal notice. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge a penalty. Withdrawal of the principal amount of the certificate may be made only with the consent of the Credit Union. Unless stated otherwise, the owner shall forfeit an amount equal to 90 days dividends, whether earned or not, on certificates with maturities between 3 months and 5 months. The penalty may be calculated at the rate paid on the deposit. The penalty will, if necessary, be taken from the principal amount of the deposit. Subject to $5 membership fee. |
| 6-11 months | 0.25% | 0.25% APY | Quarterly | $500.00 | | Annual Percentage Yield. Certificates-$500.00 minimum deposit. Dividends paid and compounded quarterly. Rates may be changed or discontinued at any time; call your local branch for current rates. Fees and/or withdrawals will reduce earnings. When opening a certificate the member has agreed to leave the principal of this account on deposit for the full term stated in the account or renewal notice. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge a penalty. Withdrawal of the principal amount of the certificate may be made only with the consent of the Credit Union. Unless stated otherwise, the owner shall forfeit an amount equal to 90 days dividends, whether earned or not, on certificates with maturities between 6 months and 11 months. The penalty may be calculated at the rate paid on the deposit. The penalty will, if necessary, be taken from the principal amount of the deposit. Subject to $5 membership fee. |
| 11 months | 3.25% | 3.29% APY | Quarterly | $500 | | Annual Percentage Yield. Certificates-$500.00 minimum deposit. Dividends paid and compounded quarterly. Rates may be changed or discontinued at any time; call your local branch for current rates. Fees and/or withdrawals will reduce earnings. When opening a certificate the member has agreed to leave the principal of this account on deposit for the full term stated in the account or renewal notice. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge a penalty. Withdrawal of the principal amount of the certificate may be made only with the consent of the Credit Union. Unless stated otherwise, the owner shall forfeit an amount equal to 90 days dividends, whether earned or not, on certificates with maturities of 11 months. The penalty may be calculated at the rate paid on the deposit. The penalty will, if necessary, be taken from the principal amount of the deposit. Subject to $5 membership fee. |
| 12-23 months | 0.50% | 0.50% APY | Quarterly | $500.00 | | Annual Percentage Yield. Certificates-$500.00 minimum deposit. Dividends paid and compounded quarterly. Rates may be changed or discontinued at any time; call your local branch for current rates. Fees and/or withdrawals will reduce earnings. When opening a certificate the member has agreed to leave the principal of this account on deposit for the full term stated in the account or renewal notice. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge a penalty. Withdrawal of the principal amount of the certificate may be made only with the consent of the Credit Union. Unless stated otherwise, the owner shall forfeit an amount equal to 90 days dividends, whether earned or not, on certificates with maturities between 12 months and 23 months. The penalty may be calculated at the rate paid on the deposit. The penalty will, if necessary, be taken from the principal amount of the deposit. Subject to $5 membership fee. |
| 18 months | 4.27% | 4.35% APY | Quarterly | $500 | | Annual Percentage Yield. Certificates-$500.00 minimum deposit. Dividends paid and compounded quarterly. Rates may be changed or discontinued at any time; call your local branch for current rates. Fees and/or withdrawals will reduce earnings. When opening a certificate the member has agreed to leave the principal of this account on deposit for the full term stated in the account or renewal notice. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge a penalty. Withdrawal of the principal amount of the certificate may be made only with the consent of the Credit Union. Unless stated otherwise, the owner shall forfeit an amount equal to 90 days dividends, whether earned or not, on certificates with maturities of 18 months. The penalty may be calculated at the rate paid on the deposit. The penalty will, if necessary, be taken from the principal amount of the deposit. Subject to $5 membership fee. |
| 24-35 months | 0.50% | 0.50% APY | Quarterly | $500.00 | | Annual Percentage Yield. Certificates-$500.00 minimum deposit. Dividends paid and compounded quarterly. Rates may be changed or discontinued at any time; call your local branch for current rates. Fees and/or withdrawals will reduce earnings. When opening a certificate the member has agreed to leave the principal of this account on deposit for the full term stated in the account or renewal notice. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge a penalty. Withdrawal of the principal amount of the certificate may be made only with the consent of the Credit Union. Unless stated otherwise, the owner shall forfeit an amount equal to 90 days dividends, whether earned or not, on certificates with maturities between 24 months and 35 months. The penalty may be calculated at the rate paid on the deposit. The penalty will, if necessary, be taken from the principal amount of the deposit. Subject to $5 membership fee. |
| 36-47 months | 0.55% | 0.55% APY | Quarterly | $500.00 | | Annual Percentage Yield. Certificates-$500.00 minimum deposit. Dividends paid and compounded quarterly. Rates may be changed or discontinued at any time; call your local branch for current rates. Fees and/or withdrawals will reduce earnings. When opening a certificate the member has agreed to leave the principal of this account on deposit for the full term stated in the account or renewal notice. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge a penalty. Withdrawal of the principal amount of the certificate may be made only with the consent of the Credit Union. Unless stated otherwise, the owner shall forfeit an amount equal to 90 days dividends, whether earned or not, on certificates with maturities between 36 months and 47 months. The penalty may be calculated at the rate paid on the deposit. The penalty will, if necessary, be taken from the principal amount of the deposit. Subject to $5 membership fee. |
| 48-59 months | 0.60% | 0.60% APY | Quarterly | $500.00 | | Annual Percentage Yield. Certificates-$500.00 minimum deposit. Dividends paid and compounded quarterly. Rates may be changed or discontinued at any time; call your local branch for current rates. Fees and/or withdrawals will reduce earnings. When opening a certificate the member has agreed to leave the principal of this account on deposit for the full term stated in the account or renewal notice. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge a penalty. Withdrawal of the principal amount of the certificate may be made only with the consent of the Credit Union. Unless stated otherwise, the owner shall forfeit an amount equal to 90 days dividends, whether earned or not, on certificates with maturities between 48 months and 59 months. The penalty may be calculated at the rate paid on the deposit. The penalty will, if necessary, be taken from the principal amount of the deposit. Subject to $5 membership fee. |
| 60 months | 0.65% | 0.65% APY | Quarterly | $500.00 | | Annual Percentage Yield. Certificates-$500.00 minimum deposit. Dividends paid and compounded quarterly. Rates may be changed or discontinued at any time; call your local branch for current rates. Fees and/or withdrawals will reduce earnings. When opening a certificate the member has agreed to leave the principal of this account on deposit for the full term stated in the account or renewal notice. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge a penalty. Withdrawal of the principal amount of the certificate may be made only with the consent of the Credit Union. Unless stated otherwise, the owner shall forfeit an amount equal to 90 days dividends, whether earned or not, on certificates with maturities of 60 months. The penalty may be calculated at the rate paid on the deposit. The penalty will, if necessary, be taken from the principal amount of the deposit. Subject to $5 membership fee. |
| Auto Loans | | Annual Percentage Rate (APR) | | | | Disclaimer |
| New Car – 36 Months | | (As low as) 6.29% APR | | | | Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2019 and newer and is based on credit worthiness, qualifications and collateral conditions. Rate applicable to new purchases or external refinancing only with a vehicle that has 125% LTV (Loan to Value). Vehicle must be 2019 or newer for quoted APR to apply. Rates subject to change at any time. Car Loan Example: A fixed $10,000 loan for 36 months @ 6.29% APR is a $305.54 payment with no payment protection. Rates and terms subject to credit approval. Subject to $5 membership fee if not already a member. |
| New Car – 48 Months | | (As low as) 6.29% APR | | | | Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2019 and newer and is based on credit worthiness, qualifications and collateral conditions. Rate applicable to new purchases or external refinancing only with a vehicle that has 125% LTV (Loan to Value). Vehicle must be 2019 or newer for quoted APR to apply. Rates subject to change at any time. Car Loan Example: A fixed $10,000 loan for 48 months @ 6.29% APR is a $236.18 payment with no payment protection. Rates and terms subject to credit approval. Subject to $5 membership fee if not already a member. |
| New Car – 60 Months | | (As low as) 6.29% APR | | | | Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2019 and newer and is based on credit worthiness, qualifications and collateral conditions. Rate applicable to new purchases or external refinancing only with a vehicle that has 125% LTV (Loan to Value). Vehicle must be 2019 or newer for quoted APR to apply. Rates subject to change at any time. Car Loan Example: A fixed $10,000 loan for 60 months @ 6.29% APR is a $194.68 payment with no payment protection. Rates and terms subject to credit approval. Subject to $5 membership fee if not already a member. |
| New Car – 72 Months | | (As low as) 6.79% APR | | | | Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2019 and newer and is based on credit worthiness, qualifications and collateral conditions. Rate applicable to new purchases or external refinancing only with a vehicle that has 125% LTV (Loan to Value). Vehicle must be 2019 or newer for quoted APR to apply. Rates subject to change at any time. Car Loan Example: A fixed $10,000 loan for 72 months @ 6.79% APR is a $169.48 payment with no payment protection. Rates and terms subject to credit approval. Subject to $5 membership fee if not already a member. |
| Used Car – 36 Months | | (As low as) 7.09% APR | | | | Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2018 and older and is based on credit worthiness, qualifications and collateral conditions. Rate applicable to new purchases or external refinancing only with a vehicle that has 125% LTV (Loan to Value). Vehicle must be 2018 or older for quoted APR to apply. Rates subject to change at any time. Car Loan Example: A fixed $10,000 loan for 36 months @ 7.09% APR is a $309.18 payment with no payment protection. Rates and terms subject to credit approval. Subject to $5 membership fee if not already a member. |
| Used Car – 48 Months | | (As low as) 7.09% APR | | | | Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2018 and older and is based on credit worthiness, qualifications and collateral conditions. Rate applicable to new purchases or external refinancing only with a vehicle that has 125% LTV (Loan to Value). Vehicle must be 2018 or older for quoted APR to apply. Rates subject to change at any time. Car Loan Example: A fixed $10,000 loan for 48 months @ 7.09% APR is a $239.88 payment with no payment protection. Rates and terms subject to credit approval. Subject to $5 membership fee if not already a member. |
| Used Car – 60 Months | | (As low as) 7.09% APR | | | | Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2018 and older and is based on credit worthiness, qualifications and collateral conditions. Rate applicable to new purchases or external refinancing only with a vehicle that has 125% LTV (Loan to Value). Vehicle must be 2018 or older for quoted APR to apply. Rates subject to change at any time. Car Loan Example: A fixed $10,000 loan for 60 months @ 7.09% APR is a $198.44 payment with no payment protection. Rates and terms subject to credit approval. Subject to $5 membership fee if not already a member. |
| Used Car – 72 Months | | (As low as) 7.59% APR | | | | Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2018 and older and is based on credit worthiness, qualifications and collateral conditions. Rate applicable to new purchases or external refinancing only with a vehicle that has 125% LTV (Loan to Value). Vehicle must be 2018 or older for quoted APR to apply. Rates subject to change at any time. Car Loan Example: A fixed $10,000 loan for 72 months @ 7.59% APR is a $173.34 payment with no payment protection. Rates and terms subject to credit approval. Subject to $5 membership fee if not already a member. |
| Rec Loans | | Annual Percentage Rate (APR) | | | | Disclaimer |
| Motorcycle | | (As low as) 7.29% APR | | | | APR – Annual Percentage Rate. Quoted rate is fixed for a model year 2019 and newer and is based on credit worthiness, qualifications and collateral condition. All loans subject to approval. Rate applicable to new purchases or external financing only. Motorcycle Loan Example: A fixed $10,000 loan for 60 months @ 7.29% APR is a $199.38 monthly payment with no payment protection. |
| Boat | | (As low as) 7.29% APR | | | | APR – Quoted rate is fixed for model year 2019 and newer and is based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. Rate applicable to new purchases or external refinancing only with a vehicle that has 100% LTV (Loan to Value). Vehicle must be 2019 or newer for quoted APR to apply. Boat Loan Example: A fixed $10,000 loan for 60 months @ 7.29% APR is a $199.38 monthly payment with no payment protection. |
| RV | | (As low as) 10.29% APR | | | | APR – Quoted rate is fixed for vehicles model year 2019 and newer and is based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. Rate applicable to new purchases or external refinancing only with a vehicle that has 100% LTV (Loan to Value). Vehicle must be 2017 or newer for quoted APR to apply. RV Loan Example: A fixed $10,000 loan for 60 months @ 10.29% APR is a $213.90 monthly payment with no payment protection. |
| Personal Loans – Secured | | Annual Percentage Rate (APR) | | | | Disclaimer |
| 1-63 months | | (As low as) 5.00% APR | | | | Annual Percentage Rate. Quoted rate is fixed and is based on credit worthiness and qualifications. All loans are subject to approval. Personal Loans – Secured Example: A $10,000 loan for 60 months @ 5.00% APR is a $188.71 monthly payment. Subject to $5 membership fee. |
| Personal Loans – Unsecured | | Annual Percentage Rate (APR) | | | | Disclaimer |
| Lifestyle Loan Fixed 1-24 months | | (As low as) 9.99% APR | | | | APR-Annual Percentage Rate. Subject to $5 membership fee if not already a member. Personal Loans – Unsecured Example: A $5,000 Fixed Signature for 24 months @ 9.99% APR is a $93.22 monthly payment. |
| Express Line of Credit – up to $15,000 | | (As low as) 9.99% APR | | | | APR – Annual Percentage Rate. Loan and payment terms are subject to credit review. All loans are subject to approval. Line of Credit Payment. |
| MasterCard Platinum | | (As low as) 11.50% APR | | | | Annual Percentage Rate. Quoted rate is based on credit worthiness and qualifications. Rate may vary over time. 7.00%-13.00% APR for purchases and balance transfers. Rates and terms subject to credit approval. Subject to $5 membership fee if not already a member. |
| HELOC | | Annual Percentage Rate (APR) | | | | Disclaimer |
| HELOC and HELOC Interest Only – up to 10 year draw then repayment period | | (As low as) 7.50% APR | | | | Annual Percentage Rate. Quoted rate is based on credit worthiness and qualifications. Rate may vary over time. Loan amount up to 80% LTV of home. The rate is variable, indexed with margin to the prime rate and subject to change on a quarterly basis. Floor of 3.00% up to a maximum of 18.00%. Subject to $5 membership fee if not already a member. |
