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Rates


Deposit Accounts 

Deposit Account Type
Annual Percentage Yield (APY)
Dividend Rate
Minimum to Open*
Minimum to Earn Dividends
Regular Shares 0.10% 0.10% $5 per member $5 per member
Club Accounts 0.10% 0.10% $0 $0
Share Draft/Checking Accounts 0.00% 0.00%  $20 $0
RedWallet Accounts        

  RedWallet Cash, balance up to $10,000
  (qualifications met)**

2.00%  1.98%  $20 $0 

  RedWallet Cash, balance above $10,000
  (qualifications met)**

 0.25% 0.25%  $20 $0 

  RedWallet Cash (qualifications not met)**

 0.05% 0.05% $20 $0 
  RedWallet Cash Back  0.00% 0.00%  $20 $0 
  RedWallet Tunes  0.00% 0.00%  $20 $0 

  RedWallet Saver, balance up to $10,000
  (qualifications met)**

 0.50% 0.50%  $20 $0 

  RedWallet Saver, balance above $10,000
  (qualifications met)**

 0.25% 0.25%  $20  $0
  RedWallet Saver (qualifications not met)**  0.05%  0.05% $20 $0 
Insured Money Market
  Min. bal $2,500 - $24,999.99 0.10% 0.10% $0 $2,500
  Min. bal $25,000 - $49,999.99 0.20% 0.20% $0 $25,000
  Min. bal $50,000 - $99,999.99 0.30% 0.30% $0 $50,000
  Min. bal $100,000 and over 0.30% 0.30% $0 $100,000
Health Savings Share Draft Account 0.50% 0.50% $0 $0
Floating IRA 0.10% 0.10% $0 $0
Regular Share & IRA Certificates 
  6 month (not available for IRA) 0.25% 0.25% $500 $500
  1 year 0.60% 0.60% $500 $500
  18 month 0.80% 0.80% $500 $500
  2 year 1.00% 1.00% $500 $500
  3 year 1.20% 1.205% $500 $500
  4 year 1.51% 1.50% $500 $500
  5 year 1.81% 1.80% $500 $500

For Share Certificate and IRA Certificate accounts (SC), the amount of the early withdrawal penalty will be as follows on the amount withdrawn (whether earned or not): Less than 6-month SC will result in a 3-month early withdrawal penalty (90 days); 6–18 month SC will result in a 6-month early withdrawal penalty (180 days); Any SC greater than 18 months–5 years will result in a 12-month early withdrawal penalty (365 days). 

Owner's Advantage Account (OAA) Product has been discontinued as of 10/1/2011. Anyone who currently has an OAA Share or IRA Certificate of Deposit will continue to receive the additional 0.10% rate on any renewal of the existing funds. There is no additional 0.10% rate increase on any new money that is invested in a Share or IRA Certificate of Deposit. 
* Minimum Deposit to Open Account — not Minimum Balance to Maintain Account

** RedWallet Cash and RedWallet Saver have different yields based on whether or not the account’s monthly qualifications have been met.


Loans 

Loan Type
Approximate Term*
Loan to Value
Annual Percentage Rate (APR)
New Auto Up to 10 yrs. Up To 125% as low as
3.09%1
Used Auto Up to 10 yrs. Up To 125% as low as
3.59%2
New Recreational

Up to 15 yrs.

Up To 125% as low as
3.89%3
Used Recreational

Up to 15 yrs.

Up To 125% as low as
4.39%4
Share Secured   100% 3.00% above Share Rate **  
Certificate Secured  
100%
3.00% above Cert. Rate **
Signature Up to 7 yrs. N/A as low as 8.74%5
Owner's Reserve *** revolving N/A 18.00%
Loan Type
Maximum Term
Loan to Value
Annual Percentage Rate (APR)
Fixed Rate Home Equity + Up to 20 yrs Up To 90% Call for details
Home Equity Line of Credit **** + XX

open end^^

Up To 80%

as low as 4.00% 

Home Equity Line of Credit **** + XX

 open end^^

Up To 90%

as low as 4.50% 

Raw Land + Up to 15 yrs Up to 65% Call for details
Improved Lots + Up to 15 yrs. Up to 80% Call for details
VISA  (no annual fee)

open end

N/A

as low as
9.99%

Business Black VISA  (no annual fee)

open end

N/A

12.90%

 We also have great rates on mobile homes, with and without land. Call for details!

** You may determine the current APR by reviewing the current Share/Certificate rates above and adding three percentage points.

*** Underwriting standards apply. Owner’s Reserve is an open end loan product that has a fixed 18.00% Annual Percentage Rate. 

****  Home Equity Line of Credit rate is subject to change monthly on existing loans and is based on being .25% below (or .25% above for up to 90% Loan to Value) the Wall Street Journal Prime rate listed on the 15th day of the previous month.  Currently Prime rate is 4.25%.

+ Closing costs may range from $150.00 to $1,000.00.

1 Term of up to 24 months; estimated monthly payment of $43.03 per $1,000.00 borrowed. The APR is the Credit Union's standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

2 Term of up to 24 months; estimated monthly payment of $43.25 per $1,000.00 borrowed. The APR is the Credit Union's standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

3 Term of up to 24 months; estimated monthly payment of $43.38 per $1,000.00 borrowed. The APR is the Credit Union's standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

4 Term of up to 24 months; estimated monthly payment of $43.60 per $1,000.00 borrowed. The APR is the Credit Union's standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

5 Term of up to 24 months; estimated monthly payment of $45.57 per $1,000.00 borrowed. The APR is the Credit Union's standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

^^ The number of years it will take to pay off a loan. The loan term is used to determine the payment amount, repayment schedule and total interest paid over the life of the loan. For example, a loan of $50,000 with an 8.25% APR for 15 years would have 180 monthly payment of $487.22 each and total interest paid of $37,698.21.

XX There are no minimum, fixed, transaction or activity charges.  The maximum interest rate is 18.00%