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

Call (360) 293-5451

 

SAVINGS RATES

Rates for the 3rd Quarter (ending September 30, 2014)

(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 February 25, 2013

(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 11.50%   0.031507%  
Must advance     up to $6,000.00 48 months        
at least $150. B   up to 4,000.00 36 months 12.50%   0.032877%  
        up to $6,000.00 48 months        
    C   up to  $4,000.00 36 months 13.50%   0.036986%  
    D   up to $2,000.00 24 months 14.50%   0.039726%  
Quick Pay   A & B                 
Must advance    tiers only qualify   Up to $3,000.00 12 months 9.00%   0.024658%  
at least $150.                  
Auto/Trucks/Boats/RV's     $25,000.00 min. 84 months        
Motorcycles & Farm Equip   $15,000.00 min 72 months        
        $12,000.00 min. 60 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   A   100% Financing see terms above 3.00%   0.008219%  
(Never been licensed) B   100% Financing see terms above 4.00%   0.010958%  
    C   100% Financing see terms above 5.50%   0.015068%  
    D     80% Financing see terms above 7.00%   0.019178%  
                     
Used 2006-2012 A   100% Financing see terms above 4.00%   0.010958%  
    B   100% Financing see terms above 5.00%   0.013698%  
    C   100% Financing see terms above 6.50%   0.000000%  
    D     80% Financing see terms above 8.00%   0.017808%  
                     
Used 2005 & Older A   100% Financing 48 months 6.00%   0.016438%  
    B   100% Financing 48 months 7.50%   0.020548%  
    C   100% Financing 48 months 9.00%   0.024658%  
    D     80% Financing 36 months 10.50%   0.028767%  
                     
 

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