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Share Rates

 

Checking

DescriptionMinimum AmountTermRateAPY*Compounding PeriodEffective
Choice Checking (Business Accounts)$2,000Daily0.00%0.00%Monthly3rd Qtr. 2022
Prestige Checking$2,000Daily0.00%0.00%Monthly3rd Qtr. 2022

*Annual Percentage Yield. Fees may reduce earnings.

Regular Shares

DescriptionMinimum Dividend BalanceTermDividend RateAPY*Compounding PeriodEffective
Regular Shares (One Share = $5)$50Daily0.050%0.05%Quarterly2nd Qtr. 2022

*Annual Percentage Yield
Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings.

Term Share Certificates TSCs (and IRA TSCs) Relationship Pricing Rates**

DescriptionMinimum AmountTermDividend RateAPY*Compounding Period
06 Month TSC or IRA TSC$5006 Months0.149%0.15%Monthly
06 Month TSC or IRA TSC $10,0006 Months0.249%0.25%Monthly
12 Month TSC or IRA TSC$50012 Months0.199%0.20%Monthly
12 Month TSC or IRA TSC$10,00012 Months0.299%0.30%Monthly
18 Month TSC or IRA TSC$50018 Months0.249%0.25%Monthly
18 Month TSC or IRA TSC $10,00018 Months0.349%0.35%Monthly
24 Month TSC or IRA TSC $50024 Months0.299%0.30%Monthly
24 Month TSC or IRA TSC $10,00024 Months0.399%0.40%Monthly
30 Month TSC or IRA TSC $50030 Months0.349%0.35%Monthly
30 Month TSC or IRA TSC $10,00030 Months0.449%0.45%Monthly
36 Month TSC or IRA TSC $50036 Months0.399%0.40%Monthly
36 Month TSC or IRA TSC$10,00036 Months0.498%0.50%Monthly
48 Month TSC or IRA TSC $50048 Months0.498%0.50%Monthly
48 Month TSC or IRA TSC $10,00048 Months0.598%0.60%Monthly
60 Month TSC or IRA TSC $50060 Months0.598%0.60%Monthly
60 Month TSC or IRA TSC $10,00060 Months0.697%0.70%Monthly

*Annual Percentage Yield
**Must have Checking and Direct Deposit or Regular Re-Occurring Deposit to Checking.
Paid Monthly.
Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings. Effective 8/1/2022.
A bonus of 0.05% (APY) will be paid on TSCs $50,000 or greater, 2 year terms or longer, at the $10,000 tier pricing.
See your Member Service Representative for more information.

Term Share Certificates TSCs (and IRA TSCs) Non-Relationship Pricing Rates

DescriptionMinimum AmountTermDividend RateAPY*Compounding Period
06 Month TSC or IRA TSC$5006 Months0.100%0.10%Monthly
06 Month TSC or IRA TSC$10,0006 Months0.199%0.20%Monthly
12 Month TSC or IRA TSC$50012 Months0.149%0.15%Monthly
12 Month TSC or IRA TSC$10,00012 Months0.249%0.25%Monthly
18 Month TSC or IRA TSC$50018 Months0.199%0.20%Monthly
18 Month TSC or IRA TSC$10,00018 Months0.299%0.30%Monthly
24 Month TSC or IRA TSC$50024 Months0.249%0.25%Monthly
24 Month TSC or IRA TSC$10,00024 Months0.349%0.35%Monthly
30 Month TSC or IRA TSC$50030 Months0.299%0.30%Monthly
30 Month TSC or IRA TSC$10,00030 Months0.399%0.40%Monthly
36 Month TSC or IRA TSC$50036 Months0.349%0.35%Monthly
36 Month TSC or IRA TSC$10,00036 Months0.449%0.45%Monthly
48 Month TSC or IRA TSC$50048 Months0.449%0.45%Monthly
48 Month TSC or IRA TSC$10,00048 Months0.548%0.55%Monthly
60 Month TSC or IRA TSC$50060 Months0.548%0.55%Monthly
60 Month TSC or IRA TSC$10,00060 Months0.647%0.65%Monthly

*Annual Percentage Yield.
Paid Monthly.
A bonus of 0.05% (Dividend Rate) will be paid on TSCs $50,000 or greater, 2-year terms or longer, at the $10,000 tier pricing.
Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings. Effective 8/1/2022.
See your Member Service Representative for more information.

Money Market Accounts

Description Minimum AmountTermDividend Rate APY*Compounding Period
Flex Money Market$2,000Daily0.15% 0.15%Quarterly
Flex Money Market$20,000Daily0.30% 0.3%Quarterly
Flex Money Market$50,000Daily0.40%0.4%Quarterly
Flex Money Market$100,000Daily0.50%0.5%Quarterly

*Annual Percentage Yield
Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings. Effective 8/1/2022.
_________________________________________________________________
Sapphire MMA, Diamond MMA, and Flex MMA
The Sapphire MMA is priced the same as the Flex MMA $2,000 tier. The Diamond MMA is priced the same as the Flex $20,000 tier.

The Flex MMA allows you to earn dividends with four different tiers in one account.
-On balances from $2,000 to $19,999.99, you will earn at the $2,000 tier.
-On balances from $20,000 to $49,999.99, you will earn at the $20,000 tier.
-On balances from $50,000 to $99,999.99, you will earn at the $50,000 tier.
-On balances from $100,000 and over, you will earn at the $100,000 tier.

If you have an existing Sapphire or Diamond Money Market Account, to take advantage of the automatic tiered dividend structure, you would need to convert to the Flex Money Market Account. Penalties may apply. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Regular IRA Shares

DescriptionMinimum Dividend BalanceTermDividend RateAPY*Compounding PeriodEffective
Regular IRA Shares (One Share = $5) $50Daily0.200%0.20%Quarterly2nd Qtr. 2022

*Annual Percentage Yield
Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings.

Loan Rates

Auto Loans; Boat, Camper, and RV Loans; Motorcycle Loans; Motorsport Products Loans

Annual Percentage Rate (APR) as low asMinimum Finance AmountTerm
4.24% -Up To 36 Months
4.49% -37 – 63 Months
4.74%-64 – 83 Months
4.99%-84 + Months
Inquire for longer terms or higher loan amounts--

Rates subject to change without notice. Current rates effective June, 2022
Monthly payment example: If you borrow $20,000 for a 60 month term at 4.10%, your monthly payment would be $369.28.
Maximum loan amount may be affected according to market conditions.

Quoted rates reflect the lowest rate available for new auto loans based on MSRP, 2019 or newer, 740 or higher credit score, 3.99% floor, and max all-in LTV (Loan-To-Value) 135%. Your individual loan rate and LTV will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply.

-New Vehicles: maximum advance based on MSRP (includes motorcycle type products).
-Used Vehicles: maximum advance based on KBB retail value (includes motorcycle type products).
-New Recreational Vehicles: maximum advance based on dealer cost amount.
-Used Recreational Vehicles: maximum advance based on NADA wholesale value.
-Antique, classic or high-end vehicles will be considered on a case by case basis.

Hail damaged units are ineligible for financing.
We do not accept salvaged titles.
Vehicles with 100k miles or more are subject to a 0.50% rate increase (except where rate prohibits).

-Bad Credit? Our rates are extremely competitive. We may be able to help you, even if your credit rating is not ideal. Contact us today for more information 520-459-1860.

Signature / Line Of Credit / Overdraft Protection Loans

Annual Percentage Rate (APR) as low asTermAmount
9.95%0 – 48 Months $100 – $20,000

Rates subject to change without notice. Current rates effective June, 2022

Share Secured Loan

DescriptionAnnual Percentage Rate (APR) as low as
Share Secured Loan1.50% over current share rate
Certificate Secured Loan1.50% over current certificate rate

Rates subject to change without notice. Current rates effective June, 2022
IRA’s and IRA Certificates cannot be used as collateral.

Construction Loans

DescriptionAnnual Percentage Rate (APR)
9 Month, fixed-rate, Construction LoansCall or E-mail for quote

Call our Mortgage Loan Officer at 520-459-1860 for more details.

Other Real Estate Loans

DescriptionAnnual Percentage Rate (APR)
10, 15 and 30 year, closed-end, fixed-rate, 1st MortgageCall or Email for quote

Call our Mortgage Loan Officer at 520-459-1860 for more details.

Home Equity Loans

DescriptionAnnual Percentage Rate (APR)
Up to 85% LTV*, Home Equity Loan, From 7 to 15 years, closed-end, fixed-rate.Call or Email for quote
Up to 85% LTV*, Home Equity Loan. Up to 7 years, closed-end, fixed-rate.Call or Email for quote

*Loan to Value

Call our Mortgage Loan Officer at 520-459-1860 for more details.

Home Equity Line of Credit (HELOC) Open-End Loan

DescriptionAnnual Percentage Rate (APR)
Up to 90% LTV*Call or Email for quote

*Loan to Value

Call our Mortgage Loan Officer at 520-459-1860 for more details.