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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Loan Rates effective as of 5/30/2018. Fees may reduce earnings. Rates are subject to change without notice.

Loan Rates

New Car, Truck, Van, Motorcycle, Computer & Furniture LoansLearn More

Model Term APR
2017-2018 3 Years 2.74%
2017-2018 4 Years 2.99%
2017-2018 5 Years 3.24%
2017-2018 6 Years 3.74%

 

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 consumer loans. Higher rates apply for loans secured by vehicles with 100,000 miles or more. Relationship Rewards discounts do not apply to any conventional 1st Mortgage Real Estate Loans, or on Home Equity Lines of Credit.

Used Car, Truck, Van, Motorcycle LoansLearn More

Model Term APR
2015 - 2018 3 Years 2.99%
2015 - 2018 4 Years 2.99%
2015 - 2018 5 Years 3.24%
2015 - 2018 6 Years 4.24%
2012 - 2014 3 Years 4.24%
2012 - 2014 4 Years 4.74%
2011 & older 3 Years 6.99%

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 consumer loans. Higher rates apply for loans secured by vehicles with 100,000 miles or more. Relationship Rewards discounts do not apply to any conventional 1st Mortgage Real Estate Loans, or on Home Equity Lines of Credit.

New Boat, Camper, and Motor Home LoansLearn More

Model Term APR
2017 - 2018 3 Years 2.99%
2017 - 2018 4 Years 2.99%
2017 - 2018 5 Years 3.24%
2017 - 2018 10 Years 4.24%

 

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 consumer loans. Higher rates apply for loans secured by vehicles with 100,000 miles or more. Relationship Rewards discounts do not apply to any conventional 1st Mortgage Real Estate Loans, or on Home Equity Lines of Credit.

Used Boat, Camper and Motor Home LoansLearn More

Model Term APR
2012 - 2018 3 Years 3.49%
2012 - 2018 4 Years 3.49%
2012 - 2018 5 Years 3.49%
2012 - 2018 7 Years 4.74%
2011 & older 3 Years 6.24%
2011 & older 4 Years 7.24%

 

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 consumer loans. Higher rates apply for loans secured by vehicles with 100,000 miles or more. Relationship Rewards discounts do not apply to any conventional 1st Mortgage Real Estate Loans, or on Home Equity Lines of Credit.

Other Secured LoansLearn More

Type Term APR
Other Security Types (2016-2017) 3 Years 2.74%
Other Security Types (2016-2017) 4 Years 2.99%
Other Security Types (2016-2017) 5 Years 3.24%
Other Security Types (2016-2017) 7 Years 4.99%

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 consumer loans. Higher rates apply for loans secured by vehicles with 100,000 miles or more. Relationship Rewards discounts do not apply to any conventional 1st Mortgage Real Estate Loans, or on Home Equity Lines of Credit.

Other Loans

Type Term APR
Savings-secured Loans Varies Dividend rate on account + 2.00%
Home Equity Line of Credit1 Varies 4.81%
Real Estate Equity Loans Varies 4.49% - 5.49%
First Mortgage Loans Varies Contact Us
Signature Loans Varies 7.90% - 9.90%

 

1 Home Equity Line of Credit (HELOC) APR is in effect for the period of 6/1/18 – 6/30/18 – 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%

Deposit Rates

Share CertificatesLearn More

Term Minimum Amount Rate APY
3 Months $1,000 0.15% 0.15%
6 Months $1,000 0.20% 0.20%
1 Year $500 0.50% 0.50%
Cardinal(available 4/15-5/31) $500 0.25% 0.25%
18 Months $500 0.60% 0.60%
2 Years $500 0.75% 0.75%
3 Years $500 1.00% 1.00%
4 Years $500 1.24% 1.25%
5 Years $500 1.49% 1.50%

 

Certificate Rates in effect 5/31/18 - 6/6/18. Penalty for early withdrawal.

Jumbo Share CertificatesLearn More

Term Minimum Amount Rate APY
30 Days $40,000 0.15% 0.15%
3 Months $40,000 0.20% 0.20%
6 Months $40,000 0.25% 0.25%
1 Year $40,000 0.75% 0.75%
18 Months $40,000 0.85% 0.85%
2 Years $40,000 1.00% 1.00%
3 Years $40,000 1.24% 1.25%
4 Years $40,000 1.49% 1.50%
5 Years $40,000 1.74% 1.75%

 

Certificate Rates in effect 5/31/18 - 6/6/18. Penalty for early withdrawal.

Special Share CertificatesLearn More

Term Minimum Amount Rate APY
30 Days $10,000 0.10% 0.10%
1 Year $10,000 0.60% 0.60%
15 Months $10,000 n/a n/a
18 Months $10,000 0.70% 0.70%
2 Years $10,000 0.85% 0.85%
27 Months $10,000 n/a n/a
3 Years $10,000 1.09% 1.10%
4 Years $10,000 1.34% 1.35%
5 Years $10,000 1.59% 1.60%

 

Certificate Rates in effect 5/31/18 - 6/6/18. Penalty for early withdrawal.

2 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 until Thursday, May 31st, 2018.

Share Savings AccountLearn More

Balance Dividend Rate APY
$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 or more 0.11% 0.11%

Other Savings Accounts

Account Dividend Rate APY
Christmas Club Account 0.03% 0.03%
Club Nine Account 0.03% 0.03%
12-Month BSU Pay Club 0.03% 0.03%

Individual Retirement Accounts (IRAs)Learn More

Balance Dividend Rate APY
Passbook: $999.99 or less 0.06% 0.06%
$1,000.00 - $9,999.99 0.08% 0.08%
$10,000.00 - $49,999.99 0.10% 0.10%
$50,000.00 - $99,999.99 0.12% 0.12%
$100,000.00 or more 0.14% 0.14%

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