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2020 Loan Special

Lower Rates - Extended Term (For Qualified Borrowers)

12 Months Employment Seniority

Credit Score Maximum Amount Term Rate
A+ 775+ $20,000 48 Months 7.50%
A+ 775+ $20,000 36 Months 7.00%
A 729 - 774 $10,000 48 Months 8.50%
A 729 - 774 $10,000 36 Months 8.00%
B 680 - 728 $8,000 48 Months 9.50%
B 680 - 728 $8,000 36 Months 9.00%
C 650 - 679 $6,000 48 Months 12.00%
C 650 - 679 $6,000 36 Months 10.00%
D 600 - 649 $4,000 48 Months 16.00%
D 600 - 649 $4,000 36 Months 14.00%
F 526 - 599 $2,000 24 Months 18.00%

Life and disability included unless specified. 10-01-2020 thru 12-31-2020

Loan Rates

Effective September 2012

New Car Loan Special 2020-2019

Credit Score 24 Months 36 Months 48 Months 60 Months 72 Months Amount
A+ 730+ 1.50% 2.00% 2.50% 3.00% 3.50% $40,000
A 680 - 729 2.00% 2.50% 3.25% 3.50% 4.00% $40,000
B 650 - 679 3.50% 4.50% 4.75% 5.00% 5.50% $30,000
C 625 - 649 4.50% 5.50% 6.00% 6.25% 6.50% $30,000

Must have 2 years seniority. 84 months available upon request for A+, A & B. Let us lower your payment by refinancing. Invoices required on all new & used purchases. All boats & motorcycles require 20% down.

Used Car Special

Credit Score 24 Months 36 Months 48 Months 60 Months Amount
A+ 730+ 2.50% 3.25% 3.50% 4.00% $30,000
A 680 - 729 3.25% 4.00% 4.25% 4.50% $30,000
B 650 - 679 4.50% 5.50% 5.75% 6.00% $25,000
C 625 - 649 5.50% 6.00% 7.00% 7.25% $15,000
D 600 - 624 9.25% 9.75% 10.25% 10.75% $10,000
E 000 - 599 Not Available Not Available Not Available Not Available Not Available

Used card financed between retail and trade-in. Proof of insurance with credit union as lien holder. add 2% to the rates on mondels 2013 & older. Must have 1.5 year seniority

These limits may be extended by the amonunt of the member's unencumbered shares which must be pledged for the loan amount in excess of limits. Any other requests to exceed the limits must be forwarded to the credit committee for consideration. FOR QUALIFIED BORROWERS ONLY ANY EXCEPTIONS MUST BE BOARD APPROVED.

Excellent Credit Report & Debt Ratio ** Up To $20,000**

Term APR*
36 Months 7.00%
24 Months 6.50%
12 Months 6.00%

*APR is the Annual Percentage Rate.

Up To $10,000

Term APR*
36 Months 12.00%
24 Months 11.50%
12 Months 11.00%

*APR is the Annual Percentage Rate.

High Risk Loans Max $7,500

Term APR*
24 or 36 Months 17.00% - 18.00%

Current Share Rates

Effective October 2012

Excellent Credit Report & Debt Ratio ** Up To **

Savings

Account Type Minimum Balance Nominal Rate APY*
Regular Savings $5.00 - $499.00 $25.00 .00% .00%
Regular Savings $500 & Over $25.00 .06% .06%
Special Savings $25 & $499.00 $25.00 .00% .00%
Special Savings $500 & Over $25.00 .06% .06%
Christmas Club $25.00 .06% .06%
Taxes & Escrow $25.00 .06% .06%
Loan Shares Required Per Loan or Secured Credit Card .06% .06%

*APY is the Annual Percentage Yield.

Checking

Account Type Minimum Balance Nominal Rate APY*
Checking $5.00 .00% .00%
Checking $500 & Over .06% .06%
Now $0 - $499 .00% .00%
Now $500 - $1,999 .06% .06%
Now $2,000 - $9,999 .08% .08%
Now $10,000 & Over .11% .11%

*APY is the Annual Percentage Yield.

Individual Retirement Accounts

Account Type Minimum Time Nominal Rate APY*
IRA - .10% .10%
IRA Certificate 1 Year .11% .11%

*APY is the Annual Percentage Yield.

Certificates

Account Type Minimum Balance Nominal Rate APY*
12 Month $2,500 .10% .10%

*APY is the Annual Percentage Yield.

Regulations Require Substantial Penalty For Early Withdrawal (90 Days Of Dividends)