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Rates

Loan Rates

Effective 11/22/2017

All Annual Percentage Rates (APRs) below are subject to adjustment for underwriting standards, and are subject to change without notice!

* Means that the APR quoted for this loan type assumes that NO upward underwriting adjustments are required. Additionally, all members obtaining loans from the credit union are potentially eligible to take FULL advantage of our Relationship Reward Discounts program, which allows members with certain other credit union account relationships to qualify for up to a full 1.00% reduction in the APR on non-real estate secured consumer loans! Higher rates apply for loans secured by vehicles with 100,000 miles or more! Relationship Rewards discounts do not apply to any real estate secured loans!

Home Equity Line of Credit (HELOC) APR is in effect for the period of 11/1/17 – 11/30/17 – This APR applies to all HELOCs with minimum monthly payment terms of 1.5% of the outstanding balance – All HELOCs with minimum monthly payment terms of only 1.0% of the outstanding balance are subject to a floor APR of 3.00%.

Loan Type Model Term APR
New Car, Truck, Van, Motorcycle Loans, Computer & Furniture Loans 2017-2018 3 Years
4 Years
5 Years
6 Years
2.49% *
2.74% *
2.99% *
3.49% *
Used Car, Truck, Van, Motorcycle Loans 2015-2018 3 Years
4 Years
5 Years
6 Years
2.99%*
2.99% *
2.99% *
3.99% *
2012-2014 3 Years
4 Years
3.99%*
4.49% *
2011 & older 3 Years 6.99%*
New Boat, Camper and Motor Home Loans 2017-2018 3 Years
4 Years
5 Years
10 Years
2.49%*
2.74% *
2.99% *
3.99% *
Used Boat, Camper and Motor Home Loans 2012-2018 3 Years
4 Years
5 Years
7 Years
3.24%*
3.24% *
3.24% *
4.49% *
2011 & older 3 Years
4 Years
5.99%*
6.99%*
New – All Other Security Types 2016-2017 3 Years
4 Years
5 Years
7 Years
2.49%*
2.74% *
2.99% *
4.99% *
All savings-secured Loans Dividend rate on account being pledged plus 2.00%
Home equity line of credit Indexed to 1-year Treasury Bill Index + 2.50% 3.93%
Real estate equity loans Varies 4.49% to 4.99%
First mortgage loans Call either:

Kathy 765-254-5204

or Lisa 765-254-5228

Signature Loans Varies 7.90% to 9.90% *

 

Certificate Rates

Certificate Rates in effect 11/6/17 -11/22/17

Subject to Change Without Notice

APY means Annual Percentage Yield

* Ask us for details about how the Member’s Option Certificate can work for you!

** Cardinal Certificates are a very unique and fun investment certificate alternative. For specific details, please call us at 765-741-2728 and someone in our communications center will be happy to give you the details. Cardinal Certificates are only available for purchase between 4/15 and 5/31 each year. These will be available for purchase again beginning Monday, April 16th,  2018.

*** New Money Only Special Certificate Offering – Not automatically renewable at maturity – Limited Time Offer!

Term  Type  Minimum Amount  Dividend Rate   APY
 30 Day  Special  $10,000  0.09%  0.09%
 Jumbo  $40,000  0.10%  0.10%
 3 Months  Regular  $1,000  0.10%  0.10%
Jumbo  $40,000  0.11%  0.11%
 6 Months Regular  $1,000  0.15%  0.15%
Jumbo  $40,000  0.20%  0.20%
 1 Year Regular  $500  0.25%  0.25%
Special  $10,000  0.28%  0.28%
Jumbo  $40,000  0.30%  0.30%
Cardinal ** Available from 4/15 thru 5/31  $500 N/A N/A
15 Months *** Limited Time Offer  $10,000 N/A N/A
 18 Months Regular  $500  0.30%  0.30%
Special  $10,000  0.33%  0.33%
Jumbo  $40,000  0.35%  0.35%
2 Years Regular  $500  0.50%  0.50%
Special  $10,000  0.60%  0.60%
Jumbo  $40,000  0.65%  0.65%
27 Months *** Limited Time Offer  $10,000 N/A N/A
3 Years Member’s Option*  $500  1.00%  1.00%
Special  $10,000  1.09%  1.10%
Jumbo  $40,000  1.14%  1.15%
 4 Years Regular  $500  1.29%  1.30%
Special  $10,000  1.39%  1.40%
Jumbo  $40,000  1.49%  1.50%
 5 Years Regular  $500  1.59%  1.60%
Special  $10,000  1.69%  1.70%
Jumbo  $40,000  1.79%  1.80%

 

All Other

Deposit Rates

Prospective Dividend Rates in effect for the month of December, 2017

Rates Subject to Change Without Notice

APY means Annual Percentage Yield

Account Type Tier Dividend Rate APY
Regular Savings Account
$999.99 or less 0.03% 0.03%
$1,000.00 – $9,999.99 0.05% 0.05%
$10,000.00 – $49,999.99 0.07% 0.07%
$50,000.00 – $99,999.99 0.09% 0.09%
$100,000.00 or more 0.11% 0.11%
Checking Account 0.00% 0.00%
Christmas Club Account 0.03% 0.03%
Club Nine Account 0.03% 0.03%
Individual Retirement Account (IRA):Traditional IRAs, Roth IRAs, or Coverdell IRAs Passbook IRA Tiers: $999.99 or less 0.06% 0.06%
$1,000.00 to $9,999.99 0.08% 0.08%
$10,000.00 to $49,999.99 0.10% 0.10%
$50,000 to $99,999.99 0.12% 0.12%
$100,000.00 or more 0.14% 0.14%

IRA Certificates are available for any term of 1-year or longer! Refer to the Certificate Table Above!