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Open Monday - Friday (8:30am - 5:00pm)

Call (360) 293-5451

 

SAVINGS RATES

Rates for the 1st Quarter (ending March 31, 2016)

(All rates are subject to change without further notice)
Share Accounts: *APR APY
  .15% .15%
Dividends are paid on all accounts with a balance of $100.00 or more. Dividends are figured on your daily balance and paid quarterly and compounded quarterly.
* APR = Annual Percentage Rate
* APY = Annual Percentage Yield
* Dividends are paid quarterly
* Minimum balance for shares is $50.00
* All Dividend Rates are based on Profitability reviewed & are subject to change quarterly by the Board of Directors and without further notice
 
Notice to the Membership:
The credit union continues to have extraordinary expenses assessed by the
government insurance fund to help stabilize it due to financial institution failures.
  These expenses decreased our net income on which our dividends are based.
 
*Please call the credit union for the most current certificate of deposit rate (CD)
*Your Share deposit is insured up to $250,000.00 by the National Credit Union Administration

LOAN RATES

Rates effective as of 2/1/2014 **Replaces Addendum date 2/25/2013
This addendum is incorporated into & becomes a part of your LOANLINER Credit Aggreement.

(All rates are subject to change without further notice)

  The APR  you receive will based on the Credit Score Tier as disclosed below:      
    A 700 & ABOVE 
    B 640-699 
    C 600-639 
  D 599 & UNDER 
Type of loan   Credit Tier   Limit & Inclusions Terms Fixed Rate   Daily Periodic Rate
Signature   A   up to $4,000.00 36 months 10.50%   0.0315068%
Must advance     up to $6,000.00 48 months      
at least $150. B    up to $4,000.00  36 months 11.50%   0.0315068%
        up to $6,000.00 48 months      
    C   up to  $4,000.00 36 months 12.50%   0.0342466%
    D   up to $2,000.00 24 months 14.50%   0.0397260%
Quick Pay   A & B               
Must advance   tiers only qualify   Up to $3,000.00 12 months 9.00%   0.0246575%
at least $150.                
LOAN TERMS     $25,000.00 min. 84 months $12,000.00 min. 60 months
        $15,000.00 min 72 months Less than $12,000.00 48 months
  ***Up to 100% financing of Dealer Purchase Price, NADA Book, Appraised Value, Plus Tax & License Fees***  
NEW OR USED A   100% Financing SEE TERMS ABOVE 3.00%   0.0082191%
VEHICLES & MOTORCYCLES B   100% Financing SEE TERMS ABOVE 4.00%   0.0109589%
2013 OR NEWER C   100% Financing SEE TERMS ABOVE 5.50%   0.0150684%
    D     80% Financing SEE TERMS ABOVE 7.00%   0.0191780%
USED 2012 & OLDER A   100% Financing SEE TERMS ABOVE 4.00%   0.0109589%
    B   100% Financing SEE TERMS ABOVE 5.00%   0.0136986%
    C   100% Financing SEE TERMS ABOVE 6.50%   0.0178082%
    D     80% Financing SEE TERMS ABOVE 8.00%   0.0219178%
BOATS/RVS/JET SKIS/ATVS A   100% Financing SEE TERMS ABOVE 4.00%   0.0109589%
& HEAVY EQUIPMENT B   100% Financing SEEE TERMS ABOVE 5.00%   0.0136986%
2013 OR NEWER C   100% Financing SEE TERMS ABOVE 6.50%   0.0178082%
  D     80% Financing SEE TERMS ABOVE 8.00%   0.0219178%
BOAT/RVS/JET SKIS A   100% Financing SEE TERMS ABOVE 6.00%   0.0164383%
& Heavy equipment B   100% Financing SEE TERMS ABOVE 7.50%   0.0254790%
2012 & older C   100% Financing SEE TERMS ABOVE 9.00%   0.2468750%
    D   80% Financing SEE TERMS ABOVE 10.50%   0.0315068%

Share Secured Loans:  3% above posted dividend for previous quarter - term up to 120 months
Members may purchase GAP Insurance on Collateral Loans + a $25.00 fee. These Funds can not be added to loan amount
Collections Costs:  You promise to pay all cost of collection the amount you owe under this agreement including court costs and attorney fees.

Late Charges: If you are 15 days or more late in making a payment you will pay a late charge

of 5% of the payment that is due.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Minimum Payment: Your minimum payment is $25.00, determined after each advance and does not

go down as the balance declines.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

All Dividend Rates are based on Profitability reviewed & subject to change quarterly by the Board Of Directors.
*Your Share deposit is insured up to $250,000.00 by the National Credit Union Administration

Credit union Hours: M-F 8:30am-5:00pm  Phone: (293-5451) ***Fax: (360)293-8005


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