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    Dividend Rates
Regular Share Account:
Account Balance Ranges
Dividend Rates*
Annual Percentage
Yields (APY)**

$     0 -

$    50.00
NONE
N/A

50.01 -

2,500.00
3.00%
3.03%

2,500.01 -

10,000.00
3.25%
3.29%

10,000.01 -

25,000.00
3.50%
3.54%

25,000.01 -

50,000.00
3.75%
3.80%

50,000.01 -

100,000.00
4.00%
4.06%

100,000.01 -

and up
4.25%
4.32%

Share Draft Account:

$     0 -

$    50.00
NONE
N/A

50.01 -

2,500.00
2.00%
2.02%

2,500.01 -

10,000.00
2.25%
2.27%

10,000.01 -

and up
2.50%
2.52%

*Dividend Rates are established by the Board of Directors and are subject to periodic change, normally each quarter, based on current economic conditions and credit union earnings.

**(APY) - Annual Percentage Yield assumes reinvestment of principal and dividends on a quarterly basis for one year at the stated dividend rate. Dividends are calculated and paid at the end of each quarter on all accounts with a balance in excess of the $50.00 full share amount, utilizing the ACTUAL DAILY BALANCE, and a 365- DAY YEAR (366 days in a leap year). The credit union calculates dividends on the full balance in the account each day at the stated dividend rate that corresponds to the applicable share balance range.

(APYE) - Annual Percentage Yield Earned is calculated at the end of each Quarter (Dividend Period), utilizing the AVERAGE DAILY BALANCE and a 365-DAY YEAR (366 days in a leap year). The (APYE) is printed on your Quarterly Statement as a percentage and may differ from the (APY).

Funds earn dividends from the day of deposit until day of withdrawal. An account closed during the quarter will earn no dividend for the quarter.

If you have any questions or need any additional information, please contact the credit union office.


    Loan Rates
Loan Type Loan Rate
Share Secured

5.50%-APR*

Character/Unsecured

10.75%-APR*

Visa ® Classic Credit Card

Call for Details

New Automobile/Truck
     1. Less than 20% Down-Up to 100% Financing**

6.00%-APR*


2. 20% or More Down-Up to 80% Financing**

5.50%-APR*

Used Automobile/Truck

1. Less than 3 Years Old-Up To 100% Financing**

6.50%-APR*


2. More than 3 Years Old-Up to 90% Financing**

7.00%-APR*

New Recreational Vehicle-Up to 90% Financing**

6.00%-APR*

Used Recreational Vehicle-Up to 90% Financing**

7.00%-APR*

New Watercraft & Trailer

1. Less than 20% Down-Up to 90% Financing**

6.00%-APR*


2. 20% or more Down-Up to 80% Financing**

5.50%-APR*

Used Watercraft & Trailer-Up to 80% Financing**

7.00%-APR*

Motorcycle-Up to 90% Financing**

6.50%-APR*

Stocks and Bonds

5.75%-APR*

New Mobile Home-Up to 90% Financing**

6.75%-APR*

Residential - Home Loans:
Equal Housing Lender
1. First Trust Deed:

  A. 1-15 yr. Maturity

5.50%-APR*

    B. 16-30 yr. Maturity

6.00%-APR*


  C. Jumbo Loans $425,000-$650,000

6.75%-APR*


2. Second Trust Deed

7.75%-APR*


* Annual Percentage Rate (APR)
** Excludes cost for tax and license

The maximum loan rate the credit union can charge by law is 18%.

There are no points charged on our Real Estate Loans and no prepayment penalties on any credit union loan.

All Loan interest is calculated utilizing the "Simple Interest" Method, which is the least expensive way to borrow.

The credit union provides financing for the purchase of vehicles, boats, and motorcycles. We do not refinance existing loans of this type.

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