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Savings Rates
Your credit union offers some of the most competitive savings rates available, and we offer some unique accounts that you won't find with other financial institutions. Periodically we offer a special rate or a special kind of account. Watch this page for updates!
Save for a rainy day. Or save for college, retirement, or a particular purpose. Using Direct Deposit builds your funds even faster. Contact us today to open your new account!
Savings Rates |
Description |
Term |
Rate |
Yield1 |
| 3-Tiered Savings Rate: |
|
|
|
| Balances under $2,500 |
|
0.15% |
0.150% |
| Balances $2,501 - $25,000 |
|
0.40% |
0.401% |
| Balances over $25,000 |
|
0.65% |
0.652% |
| Certificates of Deposit: |
6 months |
0.75% |
0.753% |
|
12 months |
1.00% |
1.005% |
| Vacation Club Account |
1 year |
Declared April 302 |
|
| Holiday Club Account |
1 year |
Declared October 312
(Last dividend paid 1.65%) |
|
| 1 Annual Percentage Yield. All rates as of 7/1/2010. All rates subject to change; contact us for todays rates. Rates may be affected by early withdrawal for term accounts. Some restrictions apply. |
| 2 Annual rate, compounded quarterly on the average daily balance and paid annually on April 30 for Vacation Club Accounts and on October 31 for Holiday Club Accounts. |
| All accounts insured to $250,000 by the NCUA, a U.S. government agency. |
Lending Rates
Your credit union offers great financing rates! When you need a loan of any kind, be sure to check with us before you sign anything with another institution.†
With Payroll Deduction, your on-time payments will be practically painless, and they improve your credit rating. Contact us today to apply!
Lending Rates |
Description |
Term |
Rate |
| Signature Loan |
Up to 60 Months |
12.90% APR* |
Shared Secured
(100% secured by shares) |
Up to 60 Months |
2% over regular share dividend rate |
| New Auto Loan |
36 months or less |
3.75% APR* |
|
37 to 48 months |
4.50% APR* |
|
49 to 60 months |
5.25% APR* |
|
61 to 72 months** |
6.25% APR* |
| Used Auto Loan |
|
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| (yr 2004) |
Up to 24 months |
5.50% APR* |
| (yrs 2005 thru 2006) |
Up to 36 months |
5.50% APR* |
| (yrs 2007 thru 2008) |
Up to 48 months |
5.50% APR* |
| (yrs 2009 thru 2010) |
Up to 60 months |
5.50% APR* |
| New Motorcycle Loan |
36 months |
6.00% APR* |
|
48 months |
7.00% APR* |
|
60 months |
8.00% APR* |
| Used Motorcycle Loans |
36 months |
6.75% APR* |
|
48 months |
7.75% APR* |
|
60 months |
8.75% APR* |
| Home Equity Line of Credit |
3 year draw period 10 year amortization |
1/2% to 1% below prime1 based on closing loan-to-value |
| NEW! FIXED RATE HOME EQUITY LOAN |
|
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| 80% LTV |
10 years |
8.00% APR* |
| 80% LTV |
15 years |
9.00% APR* |
| 100% LTV |
10 years |
8.50% APR* |
| 100% LTV |
15 years |
9.50% APR* |
| VISA® Platinum |
First 12 months |
2.90% APR*** |
|
After 12 months |
9.9%, 14.9% or 19.9% based on credit history*** |
(Seasonal) Vacation Loan
(Available May-Jun) |
12 months |
To be determined |
(Seasonal) Holiday Loan
(Available Nov-Dec) |
12 months |
To be determined |
| Mortgage Loans |
Call personal Mortgage Consultant Colin Ungstad for current rates and information at 630-706-6405 or toll free 877-441-3039 Mon-Fri. |
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| † Members must be employed within our field of membership for a minimum of 6 months to qualify for any loan. Not a promise to lend. Applicants must meet standard credit union lending criteria for creditworthiness. |
| * APR=Annual Percentage Rate. Rates as of 2/1/2010. All rates subject to change. Contact us for todays rate. Rates may be affected by your credit history. Some restrictions apply. |
| ** Please see a loan officer for details. |
| *** APR=Annual Percentage Rate. Rates as of 2/1/2010. All rates subject to change. Rates may be affected by your credit history. Some restrictions apply. Cash advance rate is 21.9%. Penalty rate is 24.9%. |
| 1 Prime rate as quoted in The Wall Street Journal Money section, subject to change. |
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