Rates

Savings Rates

		Annual Percentage Yield
Share Accounts Over $25.00	.50%	.50%
Holiday Account (maximum deposit is $10,000.00)	1.00%	1.00%
Share Draft Accounts (checking account)		non interest bearing
182 Day Share Certificate	3.00%	3.02%
365 Day Share Certificate	3.75%	3.75%
5 month Share Certificate Special ($1K minimum - New money)	5.00%	5.07%
13 month Share Certificate Special	4.75%	4.74%
Rates subject to change without notice

SHARE ACCOUNT / HOLIDAY ACCOUNT

• These share accounts are variable rate accounts. This means that the rate may change after the account is opened.
• There is a minimum balance of $25.00 required in order to earn the annual percentage yield disclosed on a regular share account. This requirement does not apply to the Holiday Account.
• The minimum balance to open either a Share Account or a Holiday Account is the purchase of a $5.00 share in the Credit Union.
• The annual percentage yield is accurate as of January 1st, 2024.
• We may impose a $25.00 fee for early withdrawal from the Holiday account before the date of disbursement. This fee could reduce the earnings on the account and affect the APY earned.

SHARE CERTIFICATES

• The annual percentage yield is accurate as of April 16th, 2024
• A minimum balance of $1,000.00 is required to open a 182 day, 365 day, or 13 month share certificate, in addition to the purchase of a $5.00 share in this credit union. 
• A minimum balance of $1,000.00 (New money) is required to open a 5 month special, in addition to the purchase of a $5.00 share in this credit union.
• Special terms and rates may also be available (see rates)
• We may impose a penalty if you withdraw any of the funds before the maturity date. The penalty will equal 90 days dividend calculated on the entire account balance.

SHARE DRAFT ACCOUNT

• There is a minimum balance of $100.00 required to open the account and the purchase of a $5.00 share in the credit union.
• No dividends will be calculated or paid on this account.
• Dormant account fees may apply for the Share Account and Share Draft account. See our Truth in Savings Disclosure for more information.

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Loan Rates

	Credit Score
	730+	680-729	640-679	600-639	550-599	0-549
New/Used Collateral- 60 months	6.49%	6.74%	7.74%	9.74%	11.74%	13.74%
New/Used Collateral- 72 months	6.49%	6.74%	7.74%	9.74%	11.74%	13.74%
New/Used Collateral- 84 months	7.74%	7.99%	8.99%	10.99%	12.99%	14.99%
Signature Loan	11.99%	12.24%	13.24%	15.24%	17.24%	19.24%

Loan Terms

• 1 to 12 months on loans up to $1,000.00
• 1 to 36 months on loans with collateral worth less than $5,000.00 or unsecured loans over $1,000
• 1 to 60 months on loans using collateral with average retail blue book value over $5,000.00 or new vehicles (cars, trucks, boats, campers, motorcycles).
• 1 to 72 months on loans using collateral with average retail blue book value or sticker price greater than $15,000.00.
• 1 to 84 months on loans using collateral with average retail blue book value or sticker price greater than $30,000.00.

If you are offered a rate that is lower than ours, provide us with proof from the dealership or financial institution of the rate and we may be able to offer you the same rate.

*Rates subject to change without notice.
*All rates are Annual Percentage Rates

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Real Estate Loans

Home Equity Line of Credit (HELOC) 70% LTV	Prime + 0% Currently 8.50% *
Home Equity Loan Fixed Rate 80% LTV	6.50% APR – 10 Year Term 6.75% APR – 15 Year Term
First Mortgage	Contact our office for most current rates. Mortgages offered through AmeriCU Mortgage

* 8.50% APR variable Annual Percentage Rate (“APR”) in effect as of 3/1/2024 for home equity lines of credit with 70% maximum combined loan to value (LTV) on homestead property (prime plus a margin of 0%). The index is the highest bank prime rate published in the FEDERAL RESERVE statistical release H.15 SELECTED INTEREST RATES as of the twenty-second day of the months of March, June, September and December. The APR is subject to change quarterly and may increase or decrease but will not exceed 18.00%. The minimum APR that can apply is 3.25%. Minimum line to open the account is $5,000.00. Maximum line is $200,000.00. Subject to credit approval and property evaluation. Consult your tax advisor regarding deductibility of interest. Property, flood and/or title insurance, if applicable, are required. There is an annual fee of $25.00. Estimated fees paid to third parties generally total between $296 – $346. Membership required.

+$5000 loan maximum for credit scores in the range of 680 -730+;  $3,500 maximum for  600-679; $1,500 maximum for 0-599.  Loan amount may be reduced if member is using unsecured funds on another loan.  

Home Equity Loans

Our maximum home equity loan amount is $200,000.00. The maximum term is 15 years. We offer a Home Equity line of Credit (HELOC) also. Call 920-433-1784 for more information.

If you are interested in a home equity loan and would like to determine if you have enough equity in your home to qualify, check out the home equity loan program (this is a worksheet in Adobe Acrobat PDF format. If you do not have Acrobat reader, you can download a copy free).