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Rates

Unsecured Personal Loans | Checking Account | Savings | Certificates of Deposit and IRAs | Money Market | Members Money Market | New Cars | Used Cars | Mortgages | Home Equity Line of Credit | Home Equity Fixed Rate | Motorcycle | Boat and Recreational Vehicle Loans | Home Improvement Loans | Secured Consumer Loans | Wiin Club | Vacation Club | Holiday Club | Lines of Credit |


Unsecured Personal Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates and APRs effective October 22, 2019 and are subject to change without notice.
Personal 12 9.99% $87.91
Personal 24 11.99% $47.07
Personal 36-84 12.99% Based on Term
Holiday 12 7.99% $86.98
Open End N/A 12.90% N/A
Tuition 10 7.99% $103.72

Checking Account

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
Members Plus Checking 0.10% 0.10%

Savings

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
Savings (Share) Account* 0.20 % 0.20%
IRA Share Account 0.20 % 0.20%

Certificates of Deposit and IRAs

Name Term (in months) APY* Dividend Rate Minimum Deposit
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
3 month CD 3 0.50% 0.50% $500
6 month CD 6 0.65% 0.65% $500
7 month CD 7 0.75% 0.75% $500
9 month CD 9 0.85% 0.85% $500
11 month CD 11 0.95% 0.95% $500
1 year CD 12 1.01% 1.00% $500
13 month CD 13 1.11% 1.10% $500
15 month CD 15 1.21% 1.20% $500
18 month CD 18 1.31% 1.30% $500
2 year CD 24 1.41% 1.40% $500
3 year CD 36 1.51% 1.50% $500
4 year CD 48 1.61% 1.60% $500
5 year CD 60 1.72% 1.70% $500

Money Market

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0-$999 0.20% 0.20%
$1,000-$9,999 0.20% 0.20%
$10,000-$24,999 0.25% 0.25%
$25,000-$49,999 0.40% 0.40%
$50,000-$74,999 0.40% 0.40%
$75,000-$99,999 0.40% 0.40%
Over $100,000 0.40% 0.40%

Members Money Market

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0-$999 0.20% 0.20%
$1000-$999 0.20% 0.20%
$10,000-$24,999 0.25% 0.25%
Over $25,000 0.40% 0.40%

New Cars

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates and APRs effective October 22, 2019 and are subject to change without notice.
Up to 4-Year Term 0-48 2.74% $22.02
5-Year Term 0-60 2.89% $17.92
6-Year Term 0-72 3.14% $15.26
7-Year Term 0-84 3.39% $13.39

Used Cars

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates and APRs effective October 22, 2019 and are subject to change without notice.
Up to 4-Year Term 0 - 48 2.89% 22.09
5-Year Term 0 - 60 3.14% 18.03
6-Year Term 0 - 72 3.39% $15.37
7-Year Term 0 - 84 3.64% $13.51

Mortgages

Name Rate Points APR** Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates and APRs effective October 22, 2019 and are subject to change without notice.

** Rates and APRs effective October 22, 2019 and are subject to change without notice. Rates, APR, payments and fees are based on 20% down payment and excellent credit history. Your actual interest rate, APR, payment, and fees may be different than what is displayed here and will be based on several factors, including but not limited to: your credit history, property type, and transaction type.

*** All mortgages and home equity loans require property insurance.
30 Year Fixed 3.875% 0 3.904% $4.70
15 Year Fixed 3.50% 0 3.550% $7.15
10 Year Fixed 3.375% 0 3.448% $9.83
3/1 Year Adjustable 3.250% 0 4.788% $4.35
3/3 Year Adjustable 3.625% 0 5.247% $4.56
5/1 Adjustable 3.375% 0 4.576% $4.42

Home Equity Line of Credit

Name Rate Points APR**
**APR = Annual Percentage Rate.

** Rate subject to change without notice. Variable rate based on Prime Rate as published by the Wall Street Journal. As of November 4, 2019, the Prime Rate is 4.75%.

*** Obtaining the best rate also requires the following criteria to be met: 1) A new home equity line of credit application, 2) A Loan-to-value (LTV) of 80% or less and 3) Strong creditworthiness.

**** No closing costs, although properties held in trust may require additional fees. Early termination fee of $400 applies for lines of credit closed within first 36 months.

***** All mortgages and home equity loans require property insurance. 
Home Equity Line of Credit 4.75% 0 4.75%

Home Equity Fixed Rate

Name Rate Points APR** Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates and APRs effective October 22, 2019 and are subject to change without notice.

** Rates and APRs effective July 8, 2019 and are subject to change without notice. Rates and APRs are based on excellent credit history. 

*** No closing costs, although properties held in trust may require additional fees. Early termination fee of $400 applies for loans closed within first 36 months.

**** All mortgages and home equity loans require property insurance. 
0 - 3 Years 4.250% 0 4.265%
4 - 5 Years 4.500% 0 4.509%
6 - 10 Years 5.000% 0 5.005%
11 - 15 Years 5.500% 0 5.503%
16 - 20 Years 5.750% 0 5.753%

Motorcycle

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates and APRs effective October 22, 2019 and are subject to change without notice.
3-Year Term 0-36 3.14 29.15
4-Year Term 0-48 3.39 $22.31
5-Year Term 0-60 3.64 $18.26

Boat and Recreational Vehicle Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates and APRs effective October 22, 2019 and are subject to change without notice.
New Recreational Vehicle 0 - 60 7.24% $19.93
Used Recreational Vehicle 0 - 36 8.24% $31.46

Home Improvement Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates and APRs effective October 22, 2019 and are subject to change without notice.
Unsecured 0-36 5.50% $30.21
Unsecured 48 5.75% $23.38
Unsecured 60 6.00% $19.34
Unsecured 72 6.25% $16.70
Unsecured 84 6.50% $14.86
Secured 0-60 5.50% $19.11
Secured 61-120 5.99% $11.10

Secured Consumer Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates and APRs effective October 22, 2019 and are subject to change without notice.
Savings Secured Loan 0-120 3.20% Based on Term
Cert. of Deposit Secured Loan 0-120 3.00% + CD APY Based on Term

Wiin Club

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0-$999 0.20% 0.20%
$1000-$999 0.20% 0.20%
$10,000-$24,999 0.25% 0.25%
$25,000-$49,999 0.40% 0.40%
$50,000-$74,999 0.40% 0.40%
$75,000-$99,999 0.40% 0.40%
Over $100,000 0.40% 0.40%

Vacation Club

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0 - Unlimited 0.20% 0.20%

Holiday Club

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0 - unlimited 0.20% 0.20%

Lines of Credit

Name APR**
**APR = Annual Percentage Rate.

Fees that may be applicable to deposit and lending accounts can be found on the fee schedule.

Mastercard Disclosure: 12.90% APR for all purchases and cash advances. $0.50 minimum finance charge, 25 day grace period, Balance computation method=30 days/billing cycle x (daily periodic rate x average daily balance).
MasterCard® 12.90%
Overdraft Protection Line of Credit 18.00%

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