Skip your next loan payment on our mobile app
Skip your next loan payment so you can enjoy the holidays without the financial stress.
Benefits You'll Love:
- Gain some extra cash flow
- Ease your financial stress during the holidays
- Free up funds for day-to-day expenses
Skip a Loan Payment is Back!
During the holiday season, members may be strapped for cash and forced to use their credit cards – and pay high interest rates – on every purchase they make. Skipping a large payment on a monthly loan or credit card frees up funds for day-to-day expenses so they don’t finish the month in the red.
Open your Mobile App or Online Banking to see which of your loans qualify. Or, you can Call, Click (below), or Visit us to skip your November or December loan payment.
Offer excludes credit cards, loans secured by real estate, HELOC, and other lines of credit.
*All credit union accounts must be in good standing. Request for Skip a Pay must be received 10 business days prior to the due date of the month being skipped. Finance charges will accrue during the deferment period. Deferring a payment may cause your regularly scheduled minimum payment to increase or extend the original term and increase the finance charges. Offer excludes credit cards, loans secured by real estate, HELOC, and other lines of credit. One skip allowed within a 12 month period. Other restrictions may apply.
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Term | APR |
|---|---|
| Up to 36 Months | 6.24% - 20.99% |
| 37 - 48 Months | 6.24% - 20.99% |
| 49 - 60 Months | 6.24% - 20.99% |
| 61 - 72 Months | 6.74% - 15.24% |
| 73 - 84 Months | 7.24% - 15.74% |
*Rate may vary based on credit history and other qualifications.
APR is based on credit history. Rates apply to most vehicles, with approved credit. Based upon past credit history. All rates are subject to change without notice.
Fixed Home Equity Loans - 1st Position
| Term | Rate |
|---|---|
| 10 Years | 7.50% - 11.00% |
| 15 Years | 7.65% - 11.15% |
*Rate may vary based on credit history and other qualifications.
Fixed Home Equity Loans - 2nd Position
| Term | Rate |
|---|---|
| 10 Years | 8.25% - 11.25% |
| 15 Years | 8.40% - 11.40% |
*Rate may vary based on credit history and other qualifications.
Home Equity Lines of Credit
| LTV | 730+ Credit Score |
729 - 680 Credit Score |
679 - 650 Credit Score |
649 - 620 Credit Score |
619 - 590 Credit Score |
<590 Credit Score |
No Score |
|---|---|---|---|---|---|---|---|
| <60% | Index* | Index* | Index* + 1.00% | Index* + 2.00% | N/A | N/A | Index* + 4.00% |
| 60% - 69% | Index* | Index* | Index* + 1.00% | Index* + 3.00% | N/A | N/A | Index* + 5.00% |
| 70% - 80% | Index* | Index* | Index* + 1.00% | Index* + 4.00% | N/A | N/A | Index* + 6.00% |
*Index is equal to the greater of Wall Street Journal Prime or Floor Rate Floor Rate - 3.90% Prime Rate – 8.50%
*Rate may vary based on credit history and other qualifications.
Money Market
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $9,999.99 | 1.50% | 1.51% |
| $10,000 - $24,999.99 | 1.50% | 1.51% |
| $25,000 - $49,999.99 | 1.75% | 1.76% |
| $50,000 - $99,999.99 | 1.75% | 1.76% |
| $100,000+ | 2.00% | 2.02% |
Personal Line of Credit
| 730+ Credit Score |
729 - 680 Credit Score |
679 - 650 Credit Score |
649 - 620 Credit Score |
619 - 590 Credit Score |
<589 Credit Score |
|---|---|---|---|---|---|
| Prime* + 2.5% | Prime* + 4.00% | Prime* + 5.00% | Prime* + 7.00% | Prime* + 13.00% | Prime* + 13.00% |
*Rate may vary based on credit history and other qualifications.
Floor Rate is 4.90%. Prime Rate is 8.50%
*Index is equal to the greater of Wall Street Journal Prime or Floor Rate
Personal Term Loans (Unsecured/Signature)
| Term | APR |
|---|---|
| 24 Months | 9.99% - 20.24% |
| 36 Months | 8.99% - 20.24% |
| 48 Months | 9.49% - 20.74% |
| 60 Months | 9.99% - 21.24% |
*Rate may vary based on credit history and other qualifications.
APR is based upon credit history.
Recreational Vehicles (2012 & Older)
| Term | APR |
|---|---|
| Up to 60 Months | 7.99% - 18.49% |
*Rate may vary based on credit history and other qualifications.
APR is based on credit history. Rates apply to most vehicles, with approved credit. Based upon past credit history. All rates are subject to change without notice.
Recreational Vehicles (2013 & Newer)
| Term | APR |
|---|---|
| 24 - 48 Months | 6.99% - 20.99% |
| 49 - 60 Months | 6.99% - 20.99% |
| 61 - 72 Months | 7.49% - 16.24% |
| 73 - 84 Months | 7.74% - 10.74% |
| 85 - 96 Months | 7.99% - 10.99% |
| 97 - 120 Months | 8.49% - 11.49% |
*Rate may vary based on credit history and other qualifications.
APR is based on credit history. Rates apply to most vehicles, with approved credit.Based upon past credit history. All rates are subject to change without notice.
Share Accounts
| Product | Dividend Rate | APY |
|---|---|---|
| Power Shares | 0.05% | 0.05% |
| Christmas Club | 0.10% | 0.10% |
| Escrow | 0.10% | 0.10% |
| Secondary Shares | 0.10% | 0.10% |
| IRA Shares | 0.10% | 0.10% |
Share Certificates
| Term & Balance | Dividend Rate | APY |
|---|---|---|
| 6 Months ($500 - $49,999.99) | 3.45% | 3.50% |
| 6 Months ($50,000+) | 3.55% | 3.60% |
| 7 Months ($500 - $49,999.99) | 5.00% | 5.09% |
| 7 Months ($50,000+) | 5.10% | 5.20% |
| 1 Year ($500 - $49,999.99) | 3.65% | 3.70% |
| 1 Year ($50,000+) | 3.75% | 3.80% |
| 2 Years ($500 - $49,999.99) | 3.84% | 3.90% |
| 2 Years ($50,000+) | 3.94% | 4.00% |
| 3 Years ($500 - $49,999.99) | 3.94% | 4.00% |
| 3 Years ($50,000+) | 3.94% | 4.00% |
| 4 Years ($500 - $49,999.99) | 3.94% | 4.00% |
| 4 Years ($50,000+) | 3.94% | 4.00% |
| 5 Years ($500 - $49,999.99) | 3.94% | 4.00% |
| 5 Years ($50,000+) | 3.94% | 4.00% |
Minimum Balance is $500. All rates are subject to change. Share certificates can be set up to auto renew. Early withdrawal penalties apply. We will match local competitor certificate rates up to .50% based on published equivalent terms and balances. Ask a representative for availability and details.
7-Month certificate is a promotional offering. Promotional certificates are not eligible for auto renewal or rate matching.
VISA Credit Cards
| 730+ Credit Score |
729 - 680 Credit Score |
679 - 650 Credit Score |
649 - 620 Credit Score |
619 - 590 Credit Score |
<589 Credit Score |
|---|---|---|---|---|---|
| 8.90% | 10.40% | 11.40% | 13.40% | 17.40% | 21.90*** |
***Secured VISA® Only.
*Rate may vary based on credit history and other qualifications.