Large enough to serve you,
small enough to KNOW you.

Rates valid as of 2018

Share Rates

Account Type	Minimum Balance	APR/Y	Statement Cycle
Regular Shares (Savings)	$50.00 $10,000.00	0.25% 0.50%	Quarterly
Share Draft (Checking)	$300.00 $10,000.00	0.05% 0.25%	Monthly
Gold Checking*	$2,000.00-$10,000.00 $10,000.01	2.75% / 2.78% 0.05%	Monthly
Christmas Club	$10.00	0.25%	Quarterly
Vacation Club	$10.00	0.25%	Quarterly
Kids Club	None	0.25%	Quarterly
*Gold Checking is offered for members age 55 and over. Dividends are earned when the following criteria are met each statement cycle: Maintain minimum balance of $2,000 Have at least one direct deposit Have at least 6 debits per month (branch cash withdrawals do not qualify)

Certificate Rates

Term	Min. $1,000	Min. $25,000	Min. $30,000	Min. $50,000
6 Months	0.60% APR/APY	-	-	-
12 Months	1.00% APR / 1.00% APY		1.60% APR / 1.61% APY	2.00% APR / 2.02% APY
18 Months	0.85% APR/APY	-	-	1.00% APR/APY
24 Months*	-	2.00% APR / 2.02% APY	-	-
30 Months*	-	-	-	2.00% APR / 2.02% APY
36 Months*	-	2.35% APR / 2.38% APY	-	-
60 Months	-	-	-	2.00% APR / 2.02% APY
*Special CD Rates

IRA Rates
Traditional, Roth, or Coverdell

Rate Description	Shares	6 Months	12 Months	18 Months	30 Months (Special)	36 Months (Special)	60 Months (Special)
IRA Shares	0.60% APR/APY Dividends Paid Quarterly	-	-	-	-	-	-
IRA Certificate	-	0.65% APR/APY	0.80% APR/APY	1.00% APR/APY	-	-	-
IRA Certificate ≥ $30,000	-	0.65% APR/APY	1.00% APR/APY	-	-	-	-
Jumbo Certificate ≥ $50,000	-	-	1.00% APR/APY	1.15% APR / 1.16% APY	1.50% APR / 1.51% APY	1.50% APR / 1.51% APY	2.00% APR / 2.02% APY
Shares and Certificates are available with Traditional, Roth, or Coverdell and are designated as such when the account is opened.

Consumer Loan Rates*

Rate Description	Term	Payment	APR	APR Type
Auto Loans*
Auto - New & 1 Year Old	Up to 36 Months	Monthly	As low as 2.99%*	Fixed
	37 - 60 Months	Monthly	As low as 3.50%*	Fixed
	61 - 72 Months	Monthly	As low as 3.50%*	Fixed
Auto - Used 2-3 Years	Up to 60 Months	Monthly	As low as 4.59%*	Fixed
Auto - Used 4-6 Years	Up to 54 Months	Monthly	As low as 5.59%*	Fixed
Auto - Used > 6 Years	Up to 42 Months	Monthly	As low as 6.59%*	Fixed
New - Motorcycles/Boats/ Tractors/Trailers/Campers	Up to 66 Months	Monthly	As low as 5.50%*	Fixed
Used - Motorcycles/Boats/ Tractors/Trailers/Campers	Up to 66 Months	Monthly	As low as 6.50%*	Fixed
Secured/Personal/Signature Loans*
Share Secured	Up to 2 Years	Monthly	5.50%*	Fixed
CD Secured	CD Term	Monthly	CD Rate + 3.00%*	Fixed
Personal / Signature	Up to 36 Months	Monthly	8.95% - 17.95%*	Fixed
Mortgage Loan Rates*
First Mortgage	5 Year ARM	Monthly	CALL FOR RATE	Variable
Unimproved Property	5 Year ARM	Monthly	CALL FOR RATE	Variable
*Loan rates based on credit score(s) and must meet normal loan qualifications.

Call the credit union at (888) 419-7723 for the latest rates information. Contact the credit union to find out if there are any fees on these accounts that could affect your payments.