Rates

Rates effective as of 6/20/2017.

Share Accounts

ProductInterest RateAPY*
Power Shares0.10%0.10%
Christmas Club0.10%0.10%
Escrow0.10%0.10%
Secondary Shares0.10%0.10%
IRA Shares0.20%0.20%

Share Draft Accounts

AccountInterest RateAPY*
Share Draft Checking0.00%0.00%

Money Market Accounts

BalanceInterest RateAPY*
$1,000 - $19,9990.15%0.15%
$20,000 - $49,9990.15%0.15%
$50,000 +0.20%0.20%

Tiered Share Certificates

TermMinimum BalanceTier 1: $500 - $49,999.99 Dividend RateAPY*Tier 2: $50,000.00+ Dividend RateAPY*
6 Month$5000.30%0.30%0.40%0.40%
1 Year$5000.65%0.65%0.75%0.75%
2 Year$5000.95%0.95%1.00%1.00%
3 Year$5001.15%1.15%1.25%1.26%
4 Year$5001.30%1.31%1.40%1.41%
5 Year$5001.55%1.56%1.65%1.66%
All rates are subject to change. Share certificates can be set up to auto renew. Promotional certificates are not eligible for auto renewal. Early withdrawal penalties apply for certificates.

Vehicle Loans 2008 and Newer

Credit Bureau Score730 +729 - 680679 - 650649 - 620619 - 590< 589
Up to 24 Months2.74%3.49%5.74%9.49%13.49%17.99%
Up to 36 Months2.74%3.49%5.74%9.74%13.74%18.24%
Up to 48 Months2.99%3.49%5.74%9.99%13.99%18.49%
Up to 60 Months2.99%3.49%5.74%10.2414.24%
Up to 72 Months3.74%4.74%6.49%10.99%
Up to 84 Months5.24%5.74%7.99%
Rates good for vehicles 2008 and newer. With approved credit. Based upon past credit history. All rates are subject to change without notice.

Vehicle Loans 2007 and Older

Credit Bureau Score730 +729 - 680679 - 650649 - 620619 - 590< 589
Up to 24 Months3.74%4.49%6.74%10.49%14.49%18.99%
Up to 36 Months3.74%4.49%6.74%10.74%14.74%19.24%
Up to 48 Months3.99%4.49%6.74%10.99%14.99%19.49%
Up to 60 Months3.99%4.49%6.74%11.24%15.24%
Up to 72 Months4.74%5.24%7.49%11.99%
Up to 84 Months8.24%8.49%10.24%
Rates good for vehicles 2007 and older. With approved credit. Based upon past credit history. All rates are subject to change without notice.

Recreational Vehicles

Credit Bureau Score730 +729 - 680679 - 650649 - 620619 - 590< 589
Up to 24 Months3.99%4.49%6.99%9.49%13.49%17.99%
Up to 36 Months3.99%4.49%6.99%9.74%13.49%17.99%
Up to 48 Months3.99%4.49%6.99%9.99%13.49%17.99%
Up to 60 Months3.99%4.49%6.99%9.49%13.49%
Up to 72 Months3.99%4.49%6.99%9.49%
Up to 84 Months4.49%4.99%7.49%
Loans $50,000 or Greater
Up to 96 Months4.99%5.49%7.99%
Up to 120 Months5.49%5.99%8.49%
*Collateral 07 and Older Add 1% To The Above Rates

Power Xtreme Rates (Non Titled Vehicles)

Credit Bureau Score730 +729 - 680679 - 650649 - 620619 - 590< 589
Up to 24 Months6.99%7.49%9.99%12.49%16.49%20.99%
Up to 36 Months6.99%7.49%9.99%12.49%16.49%20.99%
Up to 48 Months6.99%7.49%9.99%12.49%16.49%20.99%
Up to 60 Months6.99%7.49%9.99%12.49%16.49%
Up to 72 Months6.99%7.49%9.99%12.49%
Vehicles 07 and older add 1% to the above rates. Does not require full coverage insurance.

Unsecured Loans

A+ABCDE
730 + 729 - 680679 - 650649 - 620619 - 590< 589
5 Years6.99%7.24%8.99%10.49%17.49%21.99%*
NEW MONEY ONLY $500 to $5,000
*Promotional rates do not apply to E credit scores

VISA® Credit Card

Credit Bureau Score 730 + 729 - 680679 - 650649 - 620619 - 590< 589
8.90%10.40%11.40%13.40%17.40%21.99***
*** Secured VISA® Only.

Share and Certificate Secured Loans

SHARE AND CERTIFICATE SECURED LOANS
2% Over Rate On Share Account With Minimum of 4%

Line of Credit

Credit Bureau Score730 +729 - 680679 - 650649 - 620619 - 590< 590
Prime* + 2.5%Prime* + 4.00%Prime* + 5.00%Prime* + 7.00%Prime*+ 13.00%Prime*+ 13.00%
Floor Rate is 4.9%
*Rate is based on Wall Street Journal Prime or Floor Rate, whichever is higher

Home Equity Line of Credit

Credit Bureau Score730 +729 - 680679 - 650649 - 620619 - 590< 589
< 60%Index*Index*Index* + 1.0%Index* + 2.0%Index* + 3.0%Index* + 6.0%
60% - 69%Index*Index*Index* + 1.0%Index* + 3.0%N/AN/A
70% - 80%Index*Index*Index* + 1.0%Index* + 4.0%N/AN/A
*Index is equal to the greater of Wall Street Journal Prime or Floor Rate Floor Rate - 3.90% **Requires Additional Lending Authority Prime Rate – 4.25%

Fixed Home Equity Loans - 1st and 2nd Position

Effective Date 4/04/2016

1st Position - New Money Only

A+
730+
A
729-680
B
679-650
C
649-620
D
619-590
E
<590
<80%<80%<80%<70%N/AN/A
10 YEAR3.49%3.74%4.45%4.70%
15 YEAR3.95%4.20%4.45%4.70%

1st Position - CU Refinance

A+
730+
A
729-680
B
679-650
C
649-620
D
619-590
E
<590
<80%<80%<80%<70%N/AN/A
10 YEAR4.30%4.30%4.30%6.30%N/AN/A
15 YEAR4.40%4.40%4.40%6.40%N/AN/A

2nd Position - New Money Only

A+
730+
A
729-680
B
679-650
C
649-620
D
619-590
E
<590
<80%<80%<80%<70%N/AN/A
10 YEAR5.30%5.30%5.30%7.30%N/AN/A
15 YEAR5.40%5.40%5.40%7.40%N/AN/A

2nd Position - CU Refinance

A+
730+
A
729-680
B
679-650
C
649-620
D
619-590
E
<590
<80%<80%<80%<70%N/AN/A
10 YEAR6.15%6.40%6.65%7.00%
15 YEAR6.15%6.40%6.65%7.00%

* APY = Annual Percentage Yield

*Rate Is Based on Prime or Floor Rate Whichever Is Higher.

Payment does not include taxes and insurance premiums. Some state and county maximum loan amount restrictions may apply. Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio. Loan approval, Annual Percentage Rate (APR), and down payment required based on creditworthiness, amount financed, and ability to repay. Rates, terms, and conditions are subject to change. Subject to 1% or $499.00 origination fee. Consult a tax advisor regarding deductibility of interest.

*Requires Additional Lending Authority **Rate Is Based on Prime or Floor Rate Whichever Is Higher