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Share Rates

Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings. Share Savings Rates – Effective 2nd Qtr. 2018

Checking

DescriptionMinimum AmountTermRateAPY*Compounding PeriodEffective
Choice Checking (Business Accounts)$1,000Daily0.00%0.00%Monthly2nd Qtr. 2018
Prestige Checking$2,000Daily0.00%0.00%Monthly2nd Qtr. 2018

Regular Shares

DescriptionMinimum Dividend BalanceTermRateAPY*Compounding PeriodEffective
Regular Shares (One Share = $5)$50Daily0.10%0.10%Quarterly2nd Qtr. 2019

*Annual Percentage Yield

Term Share Certificates (TSCs) Relationship Pricing Rates

(must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking)

DescriptionMinimum AmountTermRateAPY*Compounding Period
06 Month TSC or IRA TSC$5006 Months 1.391% 1.40%Monthly
06 Month TSC or IRA TSC $10,0006 Months1.588% 1.60%Monthly
12 Month TSC or IRA TSC$500 1 Year1.539%1.55%Monthly
12 Month TSC or IRA TSC $10,000 1 Year1.785%1.80%Monthly
18 Month TSC or IRA TSC$50018 Months1.588%1.60%Monthly
18 Month TSC or IRA TSC $10,00018 Months1.834% 1.85%Monthly
24 Month TSC or IRA TSC $5002 Years1.736% 1.75%Monthly
24 Month TSC or IRA TSC $10,0002 Years1.884%1.90%Monthly
30 Month TSC or IRA TSC $50030 Months1.933%1.95%Monthly
30 Month TSC or IRA TSC $10,00030 Months2.129%2.15%Monthly
36 Month TSC or IRA TSC $5003 Years 2.080%2.10%Monthly
36 Month TSC or IRA TSC$10,0003 Years2.276%2.30%Monthly
48 Month TSC or IRA TSC $5004 Years2.129%2.15%Monthly
48 Month TSC or IRA TSC $10,000 4 Years2.325%2.35%Monthly
60 Month TSC or IRA TSC $5005 Years 2.374%2.40%Monthly
60 Month TSC or IRA TSC $10,0005 Years 2.570% 2.60%Monthly

Term Share Certificates (TSCs) Non-Relationship Pricing Rates

DescriptionMinimum AmountTermRateAPY*Compounding Period
06 Month TSC or IRA TSC$5006 Months1.342% 1.35%Monthly
06 Month TSC or IRA TSC$10,0006 Months1.539% 1.55%Monthly
12 Month TSC or IRA TSC$5001 Year1.490% 1.50%Monthly
12 Month TSC or IRA TSC$10,0001 Year1.736% 1.75%Monthly
18 Month TSC or IRA TSC$50018 Months1.539%1.55%Monthly
18 Month TSC or IRA TSC$10,00018 Months 1.785% 1.80%Monthly
24 Month TSC or IRA TSC$5002 Years1.687% 1.70%Monthly
24 Month TSC or IRA TSC$10,0002 Years1.834%1.85%Monthly
30 Month TSC or IRA TSC$50030 Months1.884% 1.90%Monthly
30 Month TSC or IRA TSC$10,00030 Months 2.080%2.10%Monthly
36 Month TSC or IRA TSC$5003 Years2.031%2.05%Monthly
36 Month TSC or IRA TSC$10,0003 Years 2.227% 2.25%Monthly
48 Month TSC or IRA TSC$5004 Years2.080% 2.10%Monthly
48 Month TSC or IRA TSC$10,0004 Years 2.276%2.30%Monthly
60 Month TSC or IRA TSC$5005 Years 2.325% 2.35%Monthly
60 Month TSC or IRA TSC$10,0005 Years 2.521%2.55%Monthly

*Annual Percentage Yield

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.

Rates are subject to change without notice. A penalty may apply for early withdrawal, fees may reduce earnings.

Money Market

Description Minimum AmountTermRate APY*Compounding Period
Flex Money Market$2,000Daily1.046%1.05%Quarterly
Flex Money Market$20,000Daily1.145%1.15%Quarterly
Flex Money Market$50,000Daily 1.195%1.20%Quarterly
Flex Money Market$100,000Daily 1.294%1.30%Quarterly

*Annual Percentage Yield

(The Sapphire MMA is priced the same as the Flex MMA $2,000 tier and the Diamond MMA is priced the same as the Flex $20,000 tier.)

The Flex Money Market Account 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 BalanceTermRateAPY*Compounding PeriodEffective
Regular IRA Shares (One Share = $5) $50Daily0.698%0.70%Quarterly 2nd Qtr. 2019

*Annual Percentage Yield

Loan Rates

Rates subject to change without notice. Current rates effective August 6, 2018

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

Monthly payment example: If you borrow $20,000 for a 60 month term at 4.10%, your monthly payment would be $369.28.

APR as low as*Minimum Finance AmountTerm
3.75%$10,000Up To 36 Months
4.00%$15,000 37 – 63 Months
4.25%$20,00064 – 83 Months
4.50%$25,00084 Months and Longer

Please inquire for longer terms or higher loan amounts.

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.

Maximum loan amount may be affected according to market conditions.

Hail damaged units are ineligible for financing.

We do not accept salvaged titles or business purpose loans.

Vehicles with 100k miles or more are subject to a 0.50% rate increase (except where rate prohibits).

Signature / Line Of Credit / Overdraft Protection Loans

APR as low as*TermAmount
6.95%0 – 48 Months $100 – $20,000

Share Secured Loan

Description APR as low as*
Share Secured Loan2.50% over current certificate rate
Certificate Secured Loan2.50% over current certificate rate

*Annual Percentage Yield

IRA’s and IRA Certificates cannot be used as collateral.

Construction Loans

DescriptionAPR*
9 Month, fixed-rate, Construction LoansCall or E-mail for quote

*Annual Percentage Yield

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

Other Real Estate Loans

DescriptionAPR*
10, 15 and 30 year, closed-end, fixed-rate, 1st MortgageCall or Email for quote

*Annual Percentage Yield

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

Home Equity Loans

Description 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

*Annual Percentage Yield

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

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

DescriptionAPR*
Up to 90% LTVCall or Email for quote

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

*APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available for new auto loans based on MSRP, 2017 or newer, 740 or higher credit score, 3.25% floor, and max all-in LTV 135%. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice.