Rates

Savings

Account Type

Dividend Period

Declared Date

Interst Rate (%) / APY (%)

Share Savings
Quarterly
06/30/2015
2.50* / 2.5235*
Pioneer Education Savings
Quarterly
06/30/2015
3.50* / 3.5462*
Traditional IRA, Roth IRA & Education ESA
Quarterly
06/30/2015
3.00* / 3.0339*
Share Draft (Basic Checking)
Monthly
06/30/2015
0.50* / 0.5011*
Check Cashing (CD Rate)
Monthly
06/30/2015
0.50* / 0.5011*

Consumer Loans

Product Type

Max Term

Interest Rate – APR (%)

Approximate Payment

(months)
(as low as)
(Per $1,000)
Unsecured Advantage Loan - (Up to $25,000)
72 Months
7.99%
$18.02
Unsecured Advantage Loan - (Up to $25,000)
72 Months
7.99%
$18.02
Unsecured Preferred Loan – (Up to $35,000)
72 Months
7.99%
$18.02
Unsecured Jumbo Loan – (Up to $49,900)
72 Months
7.99%
$18.02
Xpress50 Loan – (Up to $49,900)
72 Months
7.99%
$18.02
Personal Line of Credit – (Up to $49,900) Default Interest Rate for Line of Credit
-
7.99%- 17.99%
3%
Share Secured Loan (Against Savings)
72 Months
Vary with last dividend declared and loan amount Floor of 4.5%
$15.87
New Auto Loan
72 Months
2.99% limited time only
$15.19
Used Auto Loan
60 Months
2.99% limited time only
$17.97
Education Loan
60 Months
New Applicant 4.99% Existing Loan 5.99%
$18.87
Master Card (Credit Card)
Member Business Loan
84 Months
VariablePrime + 2% or 6.99%Fixed9.99%(Which ever is higher)
$16.60 (on fixed rate)
Commercial Real Estate Loan
72 Months
VariablePrime + 2% or 6.99%Fixed9.99%(Which ever is higher)
$16.60 (on fixed rate)
Residential Real Estate Loan
Business Equipment Loan
60 Months
7.99%
$20.27
Business Security Loan
60 Months
4.99%
$18.87
* The dividend rate and annual percentage yield (APY) may change as determined by the Credit Union’s Board of Directors.

Note:

1. Interest Rate, number of guarantor requirement, collateral requirement and lian eligibility will be based on Credit Score 2. The above rates and fees are subject to change any time.