Rates
Effective March 25, 2024
Auto & Motorcycle Loans
New Auto and Motorcycles (2024-2023)
See disclosures numbers 1, 2, & 3 below.
Term | APR* | Payment per $1,000 |
---|---|---|
24 Months | 4.49% | $43.64 |
36 months | 5.25% | $30.08 |
48 months | 5.49% | $23.25 |
60 months | 6.25% | $19.45 |
72 months | 6.25% | $16.69 |
84 months | 7.25% | $15.22 |
Used Autos and Motorcycles (2022 to 2017)
See disclosures numbers 1, 2, & 3 below.
Term | APR* | Payment per $1,000 |
---|---|---|
24 Months | 6.25% | $44.43 |
36 months | 6.25% | $30.54 |
48 months | 6.25% | $23.60 |
60 months | 6.25% | $19.45 |
72 months | 6.25% | $16.69 |
Used Autos and Motorcycles (2016 to 2011)
See disclosures numbers 1, 2, & 3 below.
Term | APR* | Payment per $1,000 |
---|---|---|
24 Months | 7.25% | $44.89 |
36 months | 7.25% | $30.99 |
48 months | 7.25% | $24.06 |
60 months | 7.25% | $19.92 |
Used Auto and Motorcycle (2010-2005)
See disclosures numbers 1, 2, & 3 below.
Term | APR* | Payment per $1,000 |
---|---|---|
24 Months | 8.50% | $45.46 |
36 months | 8.50% | $31.57 |
48 months | 8.99% | $24.88 |
Used Auto and Motorcycle (2004 and Older)
See disclosures numbers 1, 2, & 3 below.
Term (months) | APR* | Payment per $1,000 |
---|---|---|
24 Months | 11.75% | $46.96 |
36 months | 13.99% | $34.17 |
48 months | 14.50% | $27.58 |
Recreational Vehicles (Boat, Camper, Jet Ski, ATV, UTV, Snowmobile etc.)
See disclosures numbers 1, 2, & 3 below.
Term (months) | APR* | Payment per $1,000 |
---|---|---|
36 Months | 6.50% | $30.65 |
48 months | 6.99% | $23.94 |
60 months | 7.50% | $20.04 |
72 months | 7.99% | $17.53 |
Personal, VISA Credit Cards, & Kwik Cash Line of Credit
Personal Loan (Unsecured)
See disclosures numbers 1 & 2 below.
Term (months) | APR* | Payment per $1,000 |
---|---|---|
24 | 9.99% | $46.14 |
36 | 10.99% | $32.73 |
48 | 11.99% | $26.33 |
Special 12 Months up to $5,000 | 6.99% | $86.52 |
VISA Credit Cards
See disclosures number 1 & 2 below.
VISA Credit Cards | APR* |
---|---|
Platinum with Rewards | 9.90% |
Kwik Cash Line of Credit
See disclosures number 1 & 2 below.
APR* | Payment per $1,000 |
---|---|
12.99% | varies on balance |
Real Estate Loans
Second Mortgage FIXED Rates 80% or below CLTV
See disclosures number 1 & 2 below.
Term (months) | APR* | Payment per $1,000 |
---|---|---|
48 | 6.99% | $23.94 |
84 | 7.50% | $15.34 |
120 | 7.50% | $11.87 |
Second Mortgage Fixed Rates 81-90% CLTV
See disclosures number 1, 2, 4 & 5 below.
Term (months) | APR* | Payment per $1,000 |
---|---|---|
48 | 8.50% | $24.65 |
84 | 8.99% | $16.08 |
120 | 8.99% | $12.66 |
Second Mortgage - Home Equity Line of Credit (HELOC) Rates
80% or below CLTV Rate = Current Prime Rate floor of 4%
81%-90% CLTV, Rate = Current Prime Rate plus 1%
Current Prime Rate: 8.50%
7-year draw period. Payments are based on 1.5% (min payment $50.) of the outstanding principal balance. Floor Rate equals 4.00%.
See disclosures numbers 1, 2, 4, 5 below.
Share (Savings) Secured
See disclosures number 1 & 2 below.
Term (months) | APR* | Payment per $1,000 |
---|---|---|
48 max | Savings Rate plus 4% | varies on investment |
Deposit Rates
Interest accrues daily. A penalty will be imposed for early withdrawal. Dividends will be paid quarterly unless otherwise notified. 1 Dividend paid at maturity. Rates may change without notice.
**APY=Annual Percentage Yield. Additional information concerning interest calculations and other account information can be found in the Truth and Savings Disclosure. Please ask any Member Service Representative. Funds are federally insured by the NUCA up to $250,000. Rates may change without notice.
Share Certificates
Regular Certificates
Term (months) | Minimum | APY** |
---|---|---|
3 month | $2,500 | 0.05% |
6 month | $2,500 | 0.10% |
12 month | $1,000 | 0.15% |
2 year | $1,000 | 0.25% |
3 year | $1,000 | 0.35% |
4 year | $1,000 | 0.50% |
5 year | $1,000 | 0.60% |
11 Month Special | $1,000 | 5.00% |
IRA Certificates
Term (months) | Minimum | APY** |
---|---|---|
12 month | $2,000 | 0.15% |
2 year | $2,000 | 0.25% |
3 year | $2,000 | 0.35% |
4 year | $2,000 | 0.50% |
5 year | $2,000 | 0.60% |
Interest accrues daily. A penalty will be imposed for early withdrawal. Dividends will be paid quarterly unless otherwise notified. 1 Dividend paid at maturity. Rates may change without notice.
Health Savings Account (HSA)
Balance | APY** |
---|---|
$100 - $999 | 0.01% |
$1,000 -$1,999 | 0.01% |
$2,000 -$4,999 | 0.01% |
$5,000 - $9,999 | 0.01% |
$10,000 | 0.01% |
Money Market Savings Account
Balance | APY** |
---|---|
$2,500 - $9,999 | 0.10% |
$10,000 - $24,999 | 0.10% |
$25,000 - $49,999 | 0.15% |
$50,000 - $99,999 | 0.50% |
$100,000+ | 0.75% |
Select Checking Account
Balance | APY** |
---|---|
$100 - $999 | 0.01% |
$1,000 - $1,999 | 0.01% |
$2,000 - $4,999 | 0.01% |
$5,000 - $9,999 | 0.01% |
$10,000 | 0.01% |
Online and Outrageous
Balance | APY** |
---|---|
$100 - $999 | 0.01% |
$1,000 - $1,999 | 0.01% |
$2,000 - $4,999 | 0.01% |
$5,000 - $9,999 | 0.01% |
$10,000 | 0.01% |
Individual Retirement Savings Accounts
Account Type | APY** |
---|---|
Traditional | 0.01% |
Roth | 0.01% |
Minimum $5 initial deposit required. Mininum balance to earn APY is $100. |
**APY=Annual Percentage Yield. Additional information concerning interest calculations and other account information can be found in the Truth and Savings Disclosure. Please ask any Member Service Representative. Funds are federally insured by the NUCA up to $250,000. Rates may change without notice.