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.
|