Savings
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Current rates

Credit unions are known for “giving back” to their communities with competitive rates on savings, checking, loans, and credit cards.  It is just another benefit of belonging to a cooperative.

 

Effective Date: 8/20/2014

Savings, Checking & Certificate Rates
Special Share – IRA Certificate Minimum Div. Rate (%) APY (%)
40 Month $1,000 1.095 1.100
Smart Saver Certificate Minimum Div. Rate (%) APY (%)
12 Month $5 0.399 0.400
Share – IRA Certificate Minimum Div. Rate (%) APY (%)
5 Year $1,000 1.244 1.250
4 Year $1,000 1.046 1.050
3 Year $1,000 0.798 0.800
2 Year $1,000 0.549 0.550
18 Month $1,000 0.399 0.400
12 Month $1,000 0.350 0.350
6 Month (No IRA Available) $1,000 0.200 0.200
3 Month (No IRA Available) $1,000 0.150 0.150
Jumbo Share – IRA Certificate Minimum Div. Rate (%) APY (%)
5 Year $10,000 1.294 1.300
4 Year $10,000 1.095 1.100
3 Year $10,000 0.847 0.850
2 Year $10,000 0.599 0.600
18 Month $10,000 0.449 0.450
12 Month $10,000 0.399 0.400
6 Month $10,000 0.250 0.250
3 Month (No IRA Available) $10,000 0.200 0.200
Variable Rate IRA Minimum Div. Rate (%) APY (%)
None 0.499 0.500
Indexed IRA Minimum Div. Rate (%) APY (%)
Under $1,000 0.000 0.000
$1,000 0.499 0.500
$25,000 0.748 0.750
Wealth Builder Minimum Div. Rate (%) APY (%)
Under $10,000 0.0500 0.0500
$10,000 0.2000 0.2000
$25,000 0.3000 0.3000
$50,000 0.3000 0.3000
$100,000 0.3490 0.3500
Hawks Checking Minimum Div. Rate (%) APY (%)
None 0.0500 0.0500
Legacy Checking Minimum Div. Rate (%) APY (%)
Under $500 0.0000 0.0000
$500 0.0500 0.0500
$1,000 0.0500 0.0500
$2,500 0.0500 0.0500
$5,000 0.0500 0.0500
$10,000 0.0500 0.0500
Advantage Plus Checking Minimum Div. Rate (%) APY (%)
Under $100 0.000 0.000
$100 to $1,000 3.500 3.455
$1,000 0.050 0.050
Business Checking Minimum Div. Rate (%) APY (%)
Under $1,000 0.000 0.000
$1,000 0.050 0.050
$5,000 0.050 0.050
$10,000 0.050 0.050
$25,000 0.050 0.050
$50,000 0.050 0.050
Money Minder Savings (< 12 Years Old) Minimum Div. Rate (%) APY (%)
$5 0.300 0.300
Money Maker Savings (13 to 17 Years Old) Minimum Div. Rate (%) APY (%)
$5 0.300 0.300
$1000 0.996 1.000
Primary Share (Savings) Club Accounts Minimum Div. Rate (%) APY (%)
Primary Share $5 0.100 0.100
Christmas Club $5 0.100 0.100
Vacation Club $5 0.100 0.100

Consumer Loan Rates

Cars, Trucks and Motorcycles
Up to 72 months* APR (%)*
2012 & Newer As low as 2.99
2009 to 2011 As low as 3.79
2008 and Older As low as 4.59
Recreational Vehicles
Up to 72 months* APR (%)*
2012 & Newer As low as 6.09
2009 to 2011 As low as 6.69
2008 and Older As low as 6.69
Signature Loans APR (%)*
Up to 48 months As low as 8.74

Variable Rate Loan APR (%)*
Kwik Cash As low as 5.00% over the index.
Index is the prime lending rate as published in the Wall Street Journal
Mercy Health System Loans 2.0% over the index
Share Secured 3% above the certificate rate
3% above the share rate with a minimum rate of 6.0%
Index is the prime lending rate as published in the Wall Street Journal

Mortgage Rates

Mortgage Rates Effective Date: 8/20/2014

Conventional Fixed-Rate Mortgages Rate (%) APR* (%)
30 Year  4.000  4.057
20 Year  3.625  3.703
15 Year  3.000  3.099
10 Year  2.875  3.018

*APR means Annual Percentage Rate. The above sample is based on $150,000 PURCHASE-MONEY loan, with a 25% down payment, estimated closing costs of $1595, closing on the 15th of the month. Loan rates are subject to qualified credit and other conditions; and subject to change without notice.

 

Adjustable- Rate Mortgages Rate (%) Points APR* (%)
 3/1 Non-Convertible 2.750 0.000 2.701
 5/1 Non-Convertible 3.000 0.000 2.803
 7/1 Non-Convertible 3.375 0.000 3.020
 10/1 Non-Convertible 3.875 0.000 3.444
 3/3 Non-Convertible 4.750 0.000 4.192

*APR means Annual Percentage Rate. The above sample is based on $100,000 loan, minimum of 25% down payment, closing costs of up to $1295, closing on 15th of the month. For owner occupied, Adjustable-Rate Mortgages the annual rate adjustment cap is 2%. The lifetime rate adjustment cap is 6%. ARM loans amortize up to 30 years. Loan rates are subject to qualified credit. The 3/1 and 5/1 ARMs are for owner-occupied mortgages only. Loan rates are subject to qualified credit and other conditions.

 

HELOC Rates Rate (%) APR (%)*
Up to 80% CLTV As low as Prime minus .5% As low as 3.5%
80.01% CLTV Up to 90% CLTV As low as Prime plus .5% As low as 4.5%

*APR means Annual Percentage rate. The annual rate may vary subject to loan-to-value and credit tier. The rate is a variable rate plan tied to the Prime lending rate index as published in the Wall Street Journal. Rates are subject to change daily. A minimum lifetime floor rate of 3.50% up to 80% CLTV and 4.50% from 80.01% to 90% CLTV applies. The lifetime rate cap is 18% or the maximum that can be applied by applicable law. There is a minimum advance amount of $250. Closing costs will vary. These fees generally range between $0-$550. You must consult a tax advisor regarding the deductibility of interest. You must be a member to participate. Membership requires a minimum deposit of $5. Loan rates are subject to qualified credit and other conditions.

 

Fixed 2nd Mortgage Rates Rate (%) APR (%)*
Terms up to 180 months and CLTV up to 90% As low as 5.50 5.831

*APR means Annual Percentage Rate. Rate on a fixed 2nd mortgage is fixed and the payment amortized for the term selected.  Closing costs will vary. These fees generally range between $0-$550. Loan rates are subject to qualified credit. APR is calculated on a loan of $45,000 at 5.50% for 300 months will have estimated loan costs of $800. Loan rates are subject to qualified credit and other conditions.

Loan Payment Example:

First Mortgage – a $100,000 first mortgage loan at a rate of 4.500% for 360 months (30 years) will have a monthly payment of $506.91.