Skip to Main Content
Online Banking Sign-in

Deposit Accounts

Effective Date: Tuesday, June 18, 2019

Deposit Accounts

Dividend RateAnnual Percentage Yield (APY)Minimum to Open*Minimum to Earn Dividends
Savings (Share) Accounts0.10%0.10%$5 per member$5 per member
Club Accounts0.10%0.10%$0$0
Checking (Share Draft) Accounts0.00%0.00%$20$20
Health Savings Share Draft Account0.50%0.50%$0$0
Floating IRA (Savings Account)0.10%0.10%$0$0

* Minimum Deposit to Open Account — not Minimum Balance to Maintain Account

 

RedWallet

Effective Date: Tuesday, June 18, 2019

RedWallet

Dividend RateAnnual Percentage Yield (APY)Minimum to Open*
RedWallet Cash, balance up to $10,000 (qualifications met)**1.98%2.00%$20.00
RedWallet Cash (qualifications not met)**0.05%0.05%$20.00
RedWallet Cash Back0.00%0.00%$20.00
RedWallet Tunes0.00%0.00%$20.00
RedWallet Saver, balance up to $10,000 (qualifications met)**0.50%0.50%$0
RedWallet Saver, balance above $10,000 (qualifications met)**0.25%0.25%$0
RedWallet Saver (qualifications not met)**0.05%0.05%$0

* 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.

Money Market (Checking) Accounts

Effective Date: Tuesday, June 18, 2019

Money Market (Checking) Accounts

Dividend RateAnnual Percentage Yield (APY)Minimum to Open*Minimum to Earn Dividends
Min. bal $0.00 - $24,999.990.10%0.10%$0$2,500
Min. bal $25,000 - $49,999.990.20%0.20%$0$25,000
Min. bal $50,000 - $99,999.990.30%0.30%$0$50,000
Min. bal $100,000 and over0.30%0.30%$0$100,000

* Minimum Deposit to Open Account — not Minimum Balance to Maintain Account

 

Share & IRA Certificates (Term Accounts)

Effective Date: Tuesday, June 18, 2019

Share & IRA Certificates (Term Accounts)

Dividend RateAnnual Percentage Yield (APY)Minimum to Open*Minimum to Earn Dividends
6 month (not available for IRA)1.55%1.56%$500$500
1 year1.95%1.97%$500$500
18 month2.30%2.32%$500$500
2 year2.35%2.38%$500$500
3 year2.55%2.58%$500$500
4 year2.75%2.78%$500$500
5 year2.95%2.99%$500$500
66 Month3.10%3.14%$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and IRA Certificate accounts (SC), the amount of the early withdrawal penalty will be as follows on the amount withdrawn (whether earned or not): Less than 6-month SC will result in a 3-month early withdrawal penalty (90 days); 6–18 month SC will result in a 6-month early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–66 months 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

 

Loan Rates

Effective Date: Tuesday, June 18, 2019

Loan Rates

Loan TypeApproximate TermLoan to ValueAnnual Percentage Rate (APR)
New AutoUp to 10 yrs.*Up To 125%as low as 4.09%1
Used AutoUp to 10 yrs.*Up To 125%as low as 4.59%2
New RecreationalUp to 15 yrsUp To 125%as low as 4.89%3
Used RecreationalUp to 15 yrsUp To 125%as low as 5.39%4
Share Secured100%3.00% above Share Rate **
Certificate Secured100%3.00% above Cert. Rate **
PersonalUp to 7 yrs.N/Aas low as 10.25%5
Owner's Reserve ***revolvingN/A18.00%

* Terms greater than 84 months have a minimum loan amount of $60,000.00

** 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. 

1 Term of up to 24 months; estimated monthly payment of $43.47 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.

Term of up to 24 months; estimated monthly payment of $43.69 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.

Term of up to 24 months; estimated monthly payment of $43.82 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.

Term of up to 24 months; estimated monthly payment of $44.05 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.

Term of up to 24 months; estimated monthly payment of $46.26 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.

Fixed Rate Home Equity

Effective Date: Tuesday, June 18, 2019

Fixed Rate Home Equity

Loan TypeMaximum TermLoan to ValueAnnual Percentage Rate (APR)
Fixed Rate Home Equity+Up to 20 yrsUp To 90%Call for details

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

HELOC Rates

Effective Date: Tuesday, June 18, 2019

HELOC Rates

Loan TypeMaximum TermLoan to ValueAnnual Percentage Rate (APR)
Home Equity Line of Credit**** + XXopen end^^Up To 80%as low as 5.25%
Home Equity Line of Credit**** + XXopen end^^Up To 90%as low as 5.75%

****  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.  Prime Rate as of 09/27/2018 is 5.50%.

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

^^ 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%

Land Loan Rates

Effective Date: Tuesday, June 18, 2019

Land Loan Rates

Loan TypeMaximum TermLoan to ValueAnnual Percentage Rate (APR)
Raw Land+Up to 15 yrsUp to 65%Call for details
Improved Lots+Up to 15 yrsUp to 80%Call for details

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