All Accounts

• APY

  - Annual Percentage Yield

• APR

  - Annual Percentage Rate

• APY Balance

  - Minimum balance to earn the APY
• Rates are subject to change daily
• Any APY provided assumes dividends will remain on deposit until maturity. A withdrawal of dividends or the occurrence of fees will reduce earnings. Early withdrawal penalties may apply. The law prohibits payment of dividends in excess of available earnings. Savings are federally insured to $100,000 by NCUA, a U.S. Government agency. IRA Savings are federally insured to $250,000 by NCUA, a U.S. Government agency. Please consult our Truth in Savings Disclosure and Fee schedule for additional account information. Current rates may be obtained by calling our Telephone Banking Line at 800-764-4268.

Membership Savings Accounts

• You must maintain one share (five dollars) in your main savings account to maintain your membership status.

Money Market Accounts

• Balances below $2,000 will earn the annual percentage yield paid on regular checking accounts.

Certificate Accounts

• Once a certificate is opened, the rate will be fixed until first maturity.
• For Bump Up certificates, the rate will be fixed until first maturity unless the bump up option is exercised.
• For Bump Up certificates the offered rate for this product based on 85% of the prior week´s 3-year Treasury Constant Maturity Rate as published by the Federal Reserve.
• Maximum certificate balance for Accumulator Certificate is $1,000.

All Loan Accounts

• Maximum APR 18.00%.

• Loan To Value(LTV)

  The comparison between the amount of the loan and the amount of the loan collateral.
• Actual rates may vary based on an evaluation of your credit, the loan term, and the amount of the LTV if the loan has collateral.
• Rates include a .25% discount for automatic payment.