Rates

Share/Savings Accounts

SHARE ACCOUNTS
Regular Shares
Minimum Balance $50 to earn dividends
Must maintain a balance of $25 to be an active member
.65% Div. RateAPY*

Loan Accounts

PERSONAL LOANSTERM
Partial Share Secured
$400 Minimum $40,000 Maximum
(Savings balance must be half of loan amount.)
7%-15% APR12-60 months
(depending on amount)
Share/Builder Loan
$400 Minimum $2,000 Maximum
(Must pledge half of the loan to build up savings)
7%-15% APR12-24 months
(depending on amount)
Emergency Loan
$200 Minimum $500 Maximum
(Illness/Death in the family and hurricane preparation expenses)
7%-15% APR6-12 months
(depending on amount)
Debt Consolidation
$2,000 Minimum $25,000 Maximum
(Loan process fee $65 and budgeting session required)
7%-15% APR30-60 months
(depending on amount)
Route 66 Warranty7%-15% APR12-24 months
(depending on amount)
Health/Wellness
$400 Minimum $3,000 Maximum
(Lasik, Orthodontics, Hearing apparatus, Medical procedure-Weight loss/control)
7%-15% APR12-24 months
(depending on amount)
Short Term Small Loan (payday alternative loan)
$200 Minimum $1,000 Maximum
contact Credit Union for current rates2-6 months
(depending on amount
Share Secured Loan (100% share secured)2.5% plus current dividend rate for loans up to $40,000
3.5% plus current dividend rate for loans over $40,000
12-120 months
(depending on amount)

VEHICLE LOANSTERM
New Car Loan2.10%-12.75% APR60-72 months
(>20,000.)
Used Car Loan
(must be no more than 8 years old)
2.50%-13.15% APR60, 48, 36, 24 months
(depending on amount)
Refinance Vehicle (New)
(Must be within 60 days of financing with other creditor)
2.10%-12.75% APR or Match60 or 72 months
(>20,000.)
Refinance Vehicle (Used)
(Must be no more than 8 years old)
2.50%-13.15% APR or Match60, 48, 36, 24 months
(depending on amount)

MOTORCYCLE LOANSTERM
New Motorcycle Loan1.99%-12.95% APR30-60 months
(depending on amount)
Used Motorcycle Loan
(must be no more than 2 years old)
2.99%-13.35% APR18-48 months
(depending on amount)
Refinance Motorcycle (New)
(Must be within 60 days of financing with other creditor)
1.99%-12.95% APR or Match30-60 months
(depending on amount)
RefinanceMotorcycle (Used)
(Must be no more than 2 years old)
2.99%-13.35% APR or Match18-48 months
(depending on amount)

Fees & Disclosures

Miscellaneous Fees
Statement Copy Fee$3.00
Deposited Item Return Fee$25.00
Excessive Withdrawal Fee: 3rd withdrawal of the month$1.00
Excessive Withdrawal Fee: 4th/5th/6th withdrawal of the month$3.00
Excessive Withdrawal Fee: continually withdrawing full amount deducted through payroll$3.00
Stop Payment on Lost/Stolen Check$25.00

 

 

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