Discover Better Rates.

 ENJOY THE SAVINGS.

Certificate Rates

Certificate Accounts

Term

Amount

With Draft Rate

With Draft APY*

Without Draft Rate

Without Draft APY*

6 Months

$500 - $5,000

0.25%

0.25%

0.15%

0.15%

$5,000.01 - $10,000

0.27%

0.27%

0.17%

0.17%

$10,000.01 - $90,000

0.29%

0.29%

0.19%

0.19%

12 Months

$500 - $5,000

 0.30%

 0.30%

  0.20%

  0.20%

$5,000.01 - $10,000

0.32%

0.32%

0.22%

0.22%

$10,000.01 - $90,000

0.35%

0.35%

0.25%

0.25%

24 Months

$500 - $5,000

0.40%

0.40%

0.30%

0.30%

$5,000.01 - $10,000 0.42% 0.42% 0.32% 0.32%
$10,000.01 - $90,000 0.45% 0.45% 0.35% 0.35%
36 Months $500 - $5,000 0.50% 0.50% 0.40% 0.40%
$5,000.01 - $10,000 0.52% 0.52% 0.42% 0.42%
$10,000.01 - $90,000 0.55% 0.55% 0.45% 0.45%
48 Months $500 - $5,000 0.60% 0.60% 0.45% 0.45%
$5,000.01 - $10,000 0.65% 0.65% 0.50% 0.50%
$10,000.01 - $90,000 0.70% 0.70% 0.60% 0.60%

Lucky Savers Certificate*
(12-Month)

$25.00 Plus 0.50% 0.50% .050% 0.50%

Savings Builder Certificate*
(12-Month)

$10.00 Plus 0.50% 0.50% 0.35% 0.35%

All share certificate rates are stated as Annual Percentage Yield (APY). The dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the certificate. Dividends compound monthly. Maximum dollar amount for a share certificate is $90,000.00. Fees or other conditions could reduce the earnings on the account. Credit Union penalty for early withdrawals. 

Share Certificates have a required minimum balance of $500. Members 18 years of age or less minimum balance required to open a share certificate is $100.00. A Savings Builder Certificate is a 12-month Share Certificate. Savings Builder Certificates start at $10.00 and there can be no partial withdrawals and if an early withdrawal is made, all dividends are lost in penalty. The Savings Builder Certificate does not renew at the end of the 12 month period but can be rolled into another savings or Share Certificate account at the credit union. Each pay period there must be a deposit of at least $10/weekly,$20/biweekly, or $40/monthly. Limit on this account to deposit is $2,500 per year.

Each Lucky Savers Certificate requires a minimum deposit of $25.00 and account holders must maintain a regular share account with a minimum balance of $5.00. Account holders may make additional deposits into that certificate throughout its term and are limited to one Lucky Savers Certificate. The initial deposit and all subsequent deposits mature 12 months after the date that the initial deposit is made.

Savings Rates

Savings Accounts

Account Type

Dividend Rate

APY*

Share Savings Account
($0.00 - $100.00)

0.00%

0.00%

Share Savings Account
($101.00 - $10,000.00)

0.05%

0.05%

Share Savings Account
($10,000.01)

0.10%

0.10%

Savings for U

0.05%

0.05%

Holiday Club Account

0.05%

0.05%

Share IRA Accounts
($50.01 - $2,000)

0.00%

0.00%

Share IRA Accounts
($2,001 - $10,000)

0.30%

0.30%

Share IRA Accounts
($10,001 - $90,000)

0.35%

0.35%

All savings rates are stated as Annual Percentage Yield (APY). Dividends compound monthly. Fees or other conditions could reduce the earnings on the account. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors.

Money Market Accounts

Minimum Balance

With Draft Rate

With Draft APY*

Without Draft Rate

Without Draft APY*

$5,000.00 - $10,000.00

0.10%

0.10%

0.08%

0.08%

$10,000.01 - $25,000.00

0.15%

0.15%

0.13%

0.13%

$25,000.01 - $50,000.00

0.20%

0.20%

0.13%

0.13%

$50,000.01 - $75,000.00

0.20%

0.20%

0.13%

0.13%

$75,000.01 +

0.20%

0.20%

0.13%

0.13%

All savings rates are stated as Annual Percentage Yield (APY). Dividends compound monthly. Minimum balance of $5,000.00 to earn dividends. Fees or other conditions could reduce the earnings on the account. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors. 

Loan Rates

Effective February 15th, 2023

New Auto

Term

APR* As Low As

0-35 Months

5.75%*

36-59 Months

6.75%*

60-75 Months

7.00%*

76-84 Months

7.50%*

A new auto loan of $20,000.00 for 60 months @ 7.00% APR may have a monthly payment of $397.23.

Used Auto

Term

APR* As Low As

0-35 Months

6.75%*

36-59 Months

7.00%*

60-75 Months

7.25%*

76-84 Months

7.75%*

A used auto loan of $20,000.00 for 60 months @ 7.25% APR may have a monthly payment of $399.64.

New Snowmobile, ATV, Jet Ski and/or Motorcycle

Term

APR* As Low As

12-36 Months

6.50%*

37-48 Months

7.00%*

49-60 Months

7.50%*

61-72 Months (greater than $20,001)

8.00%*

73-84 Months (greater than $25,001)

8.50%*

A new Snowmobile/ATV/Jet Ski/Motorcycle loan of $12,000.00 for 48 months @ 7.00% APR may have a monthly payment of $288.22.

Used Snowmobile, ATV, Jet Ski and/or Motorcycle

Term

APR* As Low As

12-36 Months

7.00%*

37-48 Months

7.50%*

49-60 Months

8.00%*

61-72 Months (greater than $20,001)

8.50%*

73-84 Months (greater than $25,001)

9.00%*

A used Snowmobile/ATV/Jet Ski/Motorcycle loan of $8,000.00 for 48 months @ 7.50% APR may have a monthly payment of $194.06.

New Boats/Campers/Motorhomes

Term

APR* As Low As

12-36 Months

7.00%*

37-72 Months

7.50%*

73-108 Months (greater than $20,001)

8.00%*

109-144 Months (greater than $25,001)

8.50%*

145-180 Months (greater than $30,001)

9.00%*

A new Boat/Camper/Motorhome loan of $25,500 for 144 months @ 8.50% may have a monthly payment of $278.58.

Term

APR* As Low As

Used Boats/Campers/Motorhomes

12-36 Months

7.50%*

37-72 Months

8.00%*

73-108 Months (greater than $20,001)

8.50%*

109-144 Months (greater than $25,001)

9.00%*

145-180 Months (greater than $30,001)

9.50%*

A used Boat/Camper/Motorhome loan of $25,500 for 144 months @ 9.00% may have a monthly payment of $285.66.

Consumer Loans

Loan Type

Max Term

APR* As Low As

Personal Loans

72 Month

 9.75%-18.00%*

 Secured Loans

84 Month

 8.50% - 18.00%*

 Debt Consolidation

60 Month

  13.50%-18.00%*

 Home Improvement

120 Month

 8.00%-11.00%*

 Share/Certificate Secured  2.00% above Share/Certificate Rate

A personal loan of $5,000.00 for 36 months @ 9.75% APR may have a monthly payment of $161.42.

Credit Card

Card

APR* As Low As

Payment

VISA Credit Card

7.9%-17.9%

3% of balance

(For new accounts, balance transfers, cash advances and purchases)

VISA Credit Card Disclosure

Mortgage Loans

Type

Term

APR* As Low As

Home Equity Loan

Various terms available

6.875%*

Home Equity Line of Credit

1-Year Introductory Rate

7.500%*

Mortgage Loans

Various rates and terms available

Please contact us for current rates

Special Financing Options

Loan

Term

APR* As Low As

Fuel Loan Special

12 Months

7.9%*

A fuel loan of $1,500 for 12 months @ 7.9% APR may have a monthly payment of $130.42.

Borrowers may be eligible to receive up to 1.00% off the above rates depending on the number of UFirst products/services that are used. Ask a Loan Officer for more details. ***

*Your rate may vary from the above rates and will be determined by your credit history.

**APR is the Annual Percentage Rate.

***Relationship pricing of up to 1% does not apply to certain specials.

Rates Subject To Change By Board Of Directors. Fees may reduce earnings.

Go to Top