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Certificate Rates

Certificate of Deposit

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%

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.

Maximum dollar amount for a share certificate is $90,000.00.

APY may vary due to amount and date of deposit.

We will or may impose a penalty for early withdrawal. The amount of the early withdrawal penalty for your account is dividends equal to one-half of the term of the certificate.

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%

Dividend on average daily balances of $101.00 or more.

Minimum opening deposit of $5.00.

Money Market Accounts

Minimum Balance

With Draft Rate

With Draft APY*

Without Draft Rate

Without Draft APY*

$20,000.01 - $30,000.00

0.20%

0.20%

0.13%

0.13%

$30,000.01 - $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 plus

0.20%

0.20%

0.13%

0.13%

* APY - Annual Percentage Yield

** Your rate may vary due to amount and date of deposit

Loan Rates

New Auto

Term

APR* As Low As

0-35 Months

2.25%*

36-59 Months

3.25%*

60-75 Months

3.50%*

76-84 Months

4.00%*

A new auto loan of $20,000.00 for 60 months @ 2.75% APR may have a monthly payment of $357.22.

Used Auto

Term

APR* As Low As

0-35 Months

3.25%*

36-59 Months

3.50%*

60-75 Months

3.75%*

76-84 Months

4.25%*

A used auto loan of $15,000.00 for 60 months @ 3.25% APR may have a monthly payment of $271.26.

New Snowmobile, RV, Boat, ATV, and/or Motorcycle

Term

APR* As Low As

12-36 Months

4.25%*

37-72 Months

4.75%*

73-108 Months

5.25%*

109-144 Months

5.75%*

A new recreational vehicle loan of $12,000.00 for 48 months @ 3.00% APR may have a monthly payment of $265.67.

Used Snowmobile, RV, Boat, ATV, and/or Motorcycle

Term

APR* As Low As

12-36 Months

4.75%*

37-72 Months

5.25%*

73-108 Months

5.75%*

109-144 Months

6.25%*

A used recreational vehicle loan of $8,000.00 for 48 months @ 3.50% APR may have a monthly payment of $178.56.

Consumer Loans

Loan Type

Max Term

APR* As Low As

Personal Loans

72 Month

 8.75%-18.00%*

 Secured Loans

84 Month

 6.00% - 18.00%*

 Debt Consolidation

60 Month

  13.00%-18.00%*

 Home Improvement

120 Month

 6.25%-9.25%*

 Share/Certificate Secured  2.00% above Share/Certificate Rate

A personal loan of $5,000.00 for 36 months @ 8.75% APR may have a monthly payment of $158.09.

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

3.375%*

Home Equity Line of Credit

1-Year Introductory Rate

5.250%*

Mortgage Loans

Various rates and terms available

Please contact us for current rates

Special Financing Options

Loan

Term

APR* As Low As

Touraid Vacation Rates

12 Months

5.9%*

24 Months

6.9%*

36 Months

7.9%*

Fuel Loan Special

12 Months

7.9%*

Kneucraft Jewelry Rates

6 Months

5%*

12 Months

7%*

24 Months 8%*

Gentle Touch Dentistry

60 Months

8.75%*

Borrows 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 wil 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.

 

 

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