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Financial Peace of Mind
We take pride in processing your loans quickly and look forward to being your lending partner and providing you with financial peace of mind.
Calculators
Should I refinance?
Compute how much it will cost to refinance at a lower interest rate and how much savings there will be.
Rates & Calculators
Loan Rates
Mortgage
| Type of Loan | Interest Rate | APR* |
| 15-year mortgages | 2.75% | 2.969% |
| 30-year mortgages | 3.50% | 3.624% |
| *APR = Annual Percentage Rate. Rates include a 1% loan fee. Based on $200,000 loan with 20% down. FHA APR based on $200,000.00 loan with 3.5% down Rates are current as of 5/17/2013, but are subject to change without notice. |
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Auto Rates
Visa Rates
| Type of Loan | Annual Percentage Rate | Additional Information |
| VISA Platinum | 8.75% | (NO ANNUAL FEE!) |
| VISA Classic | 11.75% | (NO ANNUAL FEE!) |
| VISA New Beginnings | 18.00% | $12.00 ANNUAL FEE |
Shared Secured Rates
| Type of Loan | Annual Percentage Rate | Additional Information |
| Share Secured | 3.99% | 60 months |
Home Equity Loan Rates (Closed-end Fixed Rate)
| Type of Loan | Annual Percentage Rate | Additional Information |
| 36 to 72 months | 4.99% | 85% LTV |
| 73 to 120 months | 5.59% | 85% LTV |
| 121 to 180 months | 5.99% | 85% LTV |
Home Equity Line of Credit (Open-end Adjustable Rate**)
| Type of Loan | Annual Percentage Rate | Additional Information |
| up to 180 months | 5.50% | |
| **Index for variable-rate home equity loans (HELOC's) is the Prime Rate as published in the Wall Street Journal. Rates subject to change without notice. | ||
Minimum Payment Schedule for Line of Credit Accounts
For line of credit accounts, minimum monthly payments are based on the outstanding balance after the most recent advance, as follows:
| Balance After Advance | Minimum Monthly Payment |
| $0.01 - $500.00 | $25.00 |
| $500.01 - $1,000.00 | $50.00 |
| $1,000.01 - $2,000.00 | $60.00 |
| $2,000.01 - $3,000.00 | $75.00 |
| $3,000.01 - $5,000.00 | $150.00 |
| $5,000.01 - $7,500.00 | $225.00 |
| $7,500.01 - $10,000.00 | $300.00 |
| $10,000.01 - $15,000.00 | $450.00 |
Additional Information
Late Charge: If any payment is more than 15 days past due, the Credit Union may charge a late fee equal to 5% of the past due payment.
VSI Placement/Cancellation: If the Credit Union places insurance on our collateral because you have failed to do so, you will be charged a $50.00 fee, and a $5.00 fee for cancellation of the Credit Union's insurance.
Offered rates are current as of March 1st, 2013. The Credit Union may offer other rates in the future. See also our Rate and Fee Schedule
Deposit Rates
Savings Rates
Note: These rates are provided for information only. Rates are subject to change at any time and are subject to the terms and conditions set forth in the Rate and Fee Schedule. Please talk with one of our Member Service Representatives for more information.
Certificate of Deposit Rates
| Share Certificates now pay monthly dividends! You may elect to have dividends transferred to your share account monthly, or added to the account balance. The choice is yours! | |||
| Share Certificates* | Minimum Opening Balance | Dividend Rate | Annual Percentage Yield |
| 24 months | $1,000 | 0.75% | 0.75% |
| 18 months to 23 months | $1,000 | 0.55% | 0.55% |
| 12 months to 17 months | $1,000 | 0.35% | 0.35% |
| 6 months to 11 months | $1,000 | 0.25% | 0.25% |
Note: *Early withdrawal penalty may apply. These rates are provided for information only. Rates are subject to change at any time and are subject to the terms and conditions set forth in the Rate and Fee Schedule. Please talk with one of our Member Service Representatives for more information.
Offered rates are current as of March 1st, 2013. The Credit Union may offer other rates in the future.
Financial Consultants
You're not alone: FREE financial planning services
In partnership with Beardmore Consultant Services, we can help you develop, understand, and achieve your financial goals.
