CURRENT RATES

DIVIDEND RATES

DIVIDEND RATES Annual Percentage Yield Accurate as of 10/01/2017

TYPEDIVIDEND RATEAPY**
Share Certificate 6 months maturity 0.25%0.25%
Share Certificate 12 months maturity0.35%0.35%
Share Certificate 18 months maturity0.45%0.45%
Share Certificate 24 months maturity0.55%0.55%
Individual Retirement Account (IRA)0.25%0.25%
Money Market Draft (Checking)0.15%0.15%
Shares: $100.00 and over0.10%0.10%
Share Draft (Checking)0.05%0.05%
Christmas Club0.05%0.05%
Squirrel Club0.05%0.05%
Shares: $0 to $99.990%0%

**Share certificate rates may change without prior notice. The Dividend Rate is fixed for the Share Certificate, once opened. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

LOAN RATES

Loan Rates Annual Percentage Yield Accurate as of 10/01/2017

LOAN TYPEAPRDETAILS
Share secured3% Over Share Rate1-5 Years 4% min; 5-10 5%
New vehicles (Up to 60 months)As low as 2.75%*
New vehicles (Up to 72 months)As low as 3.75%*Min 22,001
New vehicles (Up to 84 months) As low as 4.75%*Min 22.001
Used Vehicle - 1 Year OldAs low as 3.00%*1 Year
Used Vehicle - 2 Years OldAs low as 3.50%*2 Years
Used Vehicle - 3 Years OldAs low as 3.75%*3 Years
Used Vehicle - 4 Years OldAs low as 4.25%*4 Years
Used Vehicle - 5 Years OldAs low as 4.25%*5 Years
Used Vehicle - 6 Years OldAs low as 4.25%*6 Years
Used Vehicle - 7 Years OldAs low as 4.50%*7 Years
Used Vehicle - 8 Years OldAs low as 4.50%*8 Years
Used Vehicle - 9 Years OldAs low as 5.00%*9 Years
Used Vehicle - 10 Years OldAs low as 5.00%*10 Years
Used Vehicle - 11+ Years OldAs low as 6.00%*11+ Years
Educational As low as 9.00%*up to $2500
Vacation / Christmas As low as 9.00%*12 Months, $1,200 Max
SignatureAs low as 10.50%*Maximum $7,500,000 for up to 36 Months
Watercraft / Motorcycles (New)As low as 4.50%*Up to 60 Months, 85% of MSRP
Watercraft / Motorcycles (Used)As low as 5.25%*Up to 60 Months, 80% of NADA
Share Certificate Secured3% above Share Certificate Rate1-5 Years 4% Min; 5-10 Years 5% Min
Overdraft LoanAs low as 18.00%*Max $1,000.000; Min $35.00 Pmt
Home-Equity-Fixed (1-60 Months)As low as 4.25%*Variable Prime+1%, Min 5%
Home-Equity-Fixed (61-120 Months)As low as 5.00%*Variable Prime+1%, Min 5%

ALL NEW AND USED CAR LOAN RATES HAVE A FLOOR OF 1.99%
*These rates could differ as much as .50% below to 12% higher. (max 18%)
Rates, terms, and conditions are subject to change without notice. Rates will vary depending on individual creditworthiness and the Credit Union’s underwriting standards.