Rates

Savings

Account Type Dividend Period Declared Date Interst Rate (%) /     APY (%)
Share Savings Quarterly 09/30/2014 2.75* / 2.7785*
Pioneer Education Savings Quarterly 09/30/2014 3.75* / 3.8031*
Traditional IRA, Roth IRA & Education ESA Quarterly 09/30/2014 3.25* / 3.2898*
Share Draft (Basic Checking) Monthly 09/30/2014 0.50* / 0.5011*
Check Cashing (CD Rate) Monthly 09/30/2014 0.50%

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 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) Click here for Details
Member Business Loan 84 Months

Variable
Prime + 2% or 6.99%

Fixed
9.99%
(Which ever is higher)

$16.60
(on fixed rate)
Commercial
Real Estate Loan
180 Months

Variable
Prime + 2% or 6.99%

Fixed
9.99%
(Which ever is higher)

$10.74
(on fixed rate)
Residential Real Estate Loan Click here for Details
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.