Rates

Rates

Loans | Mortgage | Savings | Certificates

Rates posted are the lowest possible rates.
Rates may vary depending on past credit history,
down payment, and approximate term.
Rates are subject to change.

Loans	Rate	APR*	Term
New Cars and Trucks**	4.25	4.25	36	Calculator
New Cars and Trucks**	4.40	4.40	48	Calculator
New Cars and Trucks**	4.50	4.50	60	Calculator
Used Cars and Trucks**	4.25	4.25	36	Calculator
Used Cars and Trucks**	4.40	4.40	42	Calculator
Used Cars and Trucks**	4.50	4.50	48	Calculator
Second Mortgage Up to 80% Loan to Value	4.25	4.25	36	Calculator
Second Mortgage Up to 80% Loan to Value	4.40	4.40	48	Calculator
Second Mortgage Up to 80% Loan to Value	4.50	4.50	60	Calculator
Second Mortgage Up to 100% Loan to Value	5.25	5.25	36	Calculator
Second Mortgage Up to 100% Loan to Value	5.40	5.40	48	Calculator
Second Mortgage Up to 100% Loan to Value	5.50	5.50	60	Calculator
Second Mortgage...three year adjustable...up to 20 years...80% LTV	4.40	4.40	n/a	Calculator
Second Mortgage...three year adjustable...up to 10 years... 100% LTV (UP TO $25,000.00)	5.50	5.50	n/a	Calculator
Personal Loan up to $4,000***	7.00	7.00	12	Calculator
Personal Loan up to $4,000***	7.50	7.50	24	Calculator
Personal Loan up to $4,000***	8.00	8.00	36	Calculator
Share Secured Loans up to 5 years	3.25	3.25	n/a	Calculator

Other loans are also available such as stock secured loans and loans to purchase RVs and motorcycles
*APR = Annual Percentage Rate
**Loan rates are based upon credit scoring - down payment may be required
***Loan rates are based upon credit scoring
For NJ and PA only - Processing time 10 days - $100 application fee
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First Mortgages

Rate	Points	APR*

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All Savings Rates are Dividend Rates.

Savings	Rate	APY*	Term
Savings including Club Accounts and Regular IRA Accounts	..50	.51	n/a

*APY = Annual Percentage Yield
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Certificates	Rate	APY*	Term
Variable Rate Certificate	0.75	0.76	n/a
3 month Certificate**	0.60	0.61	3
6 month Certificate**	0.70	0.71	6
9 month Certificate**	0.80	0.81	9
12 month Certificate**	0.90	0.91	12

*APY = Annual Percentage Yield
**All fixed rate certificates require a minimum balance of $1,000 or $500 for members under the 18 years old. Dividends are posted monthly. Earned dividends are available for withdrawal at any time.

Rate paid last month. The Variable Rate Certificate requires a minimum balance of $3,000 and has no maturity date. Members may make deposits to and withdrawals from this certificate at any time. The minimum deposit or withdrawal is $1,000. Dividends are declared at the end of each month and are posted monthly.

ALL ACCOUNTS ARE FEDERALLY INSURED TO $250,000 BY THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA)
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