Rates and Fees
|Type of Loan||Term||Rates as low as|
|Loans with Collateral (Cars, Trucks, Boats, etc.)||36 Months||3.49% APR*† $29.30 monthly payment per $1000 borrowed|
|Loans with Collateral (Cars, Trucks, Boats, etc.)||48 Months||3.49% APR*† $22.36 monthly payment per $1000 borrowed|
|Loans with Collateral (Cars, Trucks, Boats, etc.)||60 Months||3.74% APR*† $18.31 monthly payment per $1000 borrowed|
|Loans with Collateral (Cars, Trucks, Boats, etc.)||72 Months||4.24% APR*† $15.76 monthly payment per $1000 borrowed|
|Loans with Collateral (Cars, Trucks, Boats, etc.)||84 Months||5.24% APR*† $14.25 monthly payment per $1,000 borrowed|
|Signature||Terms May Vary||8.95% APR*†|
|Kwik Cash||Line of Credit||18.0% APR*|
|Savings Secured||Terms May Vary||Savings Rate +4%|
|ACCOUNT||MINIMUM AMOUNT TO EARN DIVIDENDS||DIVIDEND RATE||APY*||COMPOUND|
|Cha Ching™ Checkingǂ||$0.01 - $25,000.00||3.20%||3.25%||Monthly|
|Cha Ching™ Checkingǂ||$25,000.01 +||0.25%||0.25%||Monthly|
|Cha Ching™ Checkingǂ||Non-Qualifying Rate||0.25%||0.25%||Monthly|
|Business Premium Checking**||$5,000 - $24,999.99||0.20%||0.20%||Monthly|
|Business Premium Checking**||$25,000 - $49,999.99||0.30%||0.30%||Monthly|
|Business Premium Checking**||$50,000 +||0.40%||0.40%||Monthly|
|Business Elite Checking||$5,000 +||0.30%||0.30%||Monthly|
ǂCha Ching™ checking qualification requirements: Login to online banking at least once per month; Sign up & receive free eStatements; ACH direct deposit(s) totaling at least $400 post & clear monthly; 12 debit card purchases of at least $5 post & clear monthly. Fees may reduce earnings.
|Term||Minimum amount to
Automatically renewable account - The 9 month certificate will automatically renew to a 6 month term and rate at maturity. The 15 month certificate will automatically renew to a 12 month term and rate at maturity. You may prevent renewal if you close the account at maturity (or within the grace period mentioned within the full disclosure under Term Share Certificate in the Understanding Your Account Brochure).
Rates effective 10/17/2018.
*APY=Annual Percentage Yield, effective 10/17/2018. Penalty on earnings for early withdrawal, fees may reduce earnings. Rates subject to change without notice. Rates do not apply to institutional or government deposits.
Individual Retirement Accounts (IRA) - It is your responsibility to ensure the contributions, distributions, and other actions related to your IRA comply with the law, including federal tax law. As always, we recommend consulting a legal or tax professional if you have any questions about managing your IRA.
|Account||Term||Minimum Amount To
|Members Choice (Cert/IRA)
Direct Deposit Only
|Certificates / IRA||3 to 5 Months||$1,000.00||0.75%||0.75%||Quarterly|
|Certificates / IRA||6 to 11 Months||$1,000.00||1.24%||1.25%||Quarterly|
|Certificates / IRA||12 to 17 Months||$1,000.00||1.84%||1.85%||Quarterly|
|Certificates / IRA||18 to 23 Months||$1,000.00||2.08%||2.10%||Quarterly|
|Certificates / IRA||24 to 35 Months||$1,000.00||2.33%||2.35%||Quarterly|
|Certificates / IRA||36 to 47 Months||$1,000.00||2.48%||2.50%||Quarterly|
|Certificates / IRA||48 to 59 Months||$1,000.00||2.62%||2.65%||Quarterly|
|Certificates / IRA||60 Months||$1,000.00||2.77%||2.80%||Quarterly|
|IRA- Savings||Open Deposit||$25.00||0.30%||0.30%||Monthly|