What would my rate be on my savings?

We  offer our members the best rates possible on their savings. The rate a member receives is determined account type you use:

  1. A Regular Share Account is a basic savings account allowing easy unrestricted access to your money.
  2. A Money Market Account offers higher dividends than does a share account. You still maintain easy access to your money but are limited to 6 transactions per month and each transaction (withdrawal or deposit) must be for at least $200.
  3. A Share Certificate is like a CD as it has a specific term of maturity from 6 to 36 months. These certificates offer a still higher dividend rate. These can be Regular Share Certificates or IRA Certificates, if they are held inside an IRA.




What would my rate be for a loan?

We work hard to offer our members the best rates possible on loans. The rate a member receives is determined by a couple of factors:

  1. A member’s credit history will have the biggest impact on the rate we can offer. The better your credit the lower the rate that we can offer.
  2. The type of loan product a member is seeking, also has an effect. New auto loans have a much lower rate than a personal loan.
  3. In the case of an Auto loan, your rate is also affected by the amount you put down on your vehicle. If you borrow 80% or less of the vehicle’s value, your rate will be 1% less than if you borrow more than 80% of the vehicle’s value.