| Description | Minimum Amount | Term | Rate | APY* | Compounding Period | Effective |
|---|---|---|---|---|---|---|
| Choice Checking (Business Accounts) | $2,000 | Daily | 0.00% | 0.00% | Monthly | 1st Qtr. 2023 |
| Prestige Checking | $2,000 | Daily | 0.00% | 0.00% | Monthly | 1st Qtr. 2023 |
*Annual Percentage Yield. Fees may reduce earnings.
| Description | Minimum Dividend Balance | Term | Dividend Rate | APY* | Compounding Period | Effective |
|---|---|---|---|---|---|---|
| Regular Shares (One Share = $5) | $50 | Daily | 0.050% | 0.05% | Quarterly | 1st Qtr. 2023 |
*Annual Percentage Yield
Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings.
| Description | Minimum Amount | Term | Dividend Rate | APY* | Compounding Period |
|---|---|---|---|---|---|
| 06 Month TSC or IRA TSC | $500 | 6 Months | 1.391% | 1.40% | Monthly |
| 06 Month TSC or IRA TSC | $10,000 | 6 Months | 1.638% | 1.65% | Monthly |
| 12 Month TSC or IRA TSC | $500 | 12 Months | 1.539% | 1.55% | Monthly |
| 12 Month TSC or IRA TSC | $10,000 | 12 Months | 1.834% | 1.85% | Monthly |
| 18 Month TSC or IRA TSC | $500 | 18 Months | 4.114% | 4.20% | Monthly |
| 18 Month TSC or IRA TSC | $10,000 | 18 Months | 4.114% | 4.20% | Monthly |
| 24 Month TSC or IRA TSC | $500 | 24 Months | 1.736% | 1.75% | Monthly |
| 24 Month TSC or IRA TSC | $10,000 | 24 Months | 1.933% | 1.95% | Monthly |
| 30 Month TSC or IRA TSC | $500 | 30 Months | 1.933% | 1.95% | Monthly |
| 30 Month TSC or IRA TSC | $10,000 | 30 Months | 2.219% | 2.15% | Monthly |
| 36 Month TSC or IRA TSC | $500 | 36 Months | 2.080% | 2.10% | Monthly |
| 36 Month TSC or IRA TSC | $10,000 | 36 Months | 2.276% | 2.30% | Monthly |
| 48 Month TSC or IRA TSC | $500 | 48 Months | 2.129% | 2.15% | Monthly |
| 48 Month TSC or IRA TSC | $10,000 | 48 Months | 2.325% | 2.35% | Monthly |
| 60 Month TSC or IRA TSC | $500 | 60 Months | 2.374% | 2.40% | Monthly |
| 60 Month TSC or IRA TSC | $10,000 | 60 Months | 2.570% | 2.60% | 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 2/13/2023.
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.
| Description | Minimum Amount | Term | Dividend Rate | APY* | Compounding Period |
|---|---|---|---|---|---|
| 06 Month TSC or IRA TSC | $500 | 6 Months | 1.342% | 1.35% | Monthly |
| 06 Month TSC or IRA TSC | $10,000 | 6 Months | 1.588% | 1.60% | Monthly |
| 12 Month TSC or IRA TSC | $500 | 12 Months | 1.490% | 1.50% | Monthly |
| 12 Month TSC or IRA TSC | $10,000 | 12 Months | 1.785% | 1.80% | Monthly |
| 18 Month TSC or IRA TSC | $500 | 18 Months | 4.114% | 4.20% | Monthly |
| 18 Month TSC or IRA TSC | $10,000 | 18 Months | 4.114% | 4.20% | Monthly |
| 24 Month TSC or IRA TSC | $500 | 24 Months | 1.687% | 1.70% | Monthly |
| 24 Month TSC or IRA TSC | $10,000 | 24 Months | 1.884% | 1.90% | Monthly |
| 30 Month TSC or IRA TSC | $500 | 30 Months | 1.884% | 1.90% | Monthly |
| 30 Month TSC or IRA TSC | $10,000 | 30 Months | 2.080% | 2.10% | Monthly |
| 36 Month TSC or IRA TSC | $500 | 36 Months | 2.031% | 2.05% | Monthly |
| 36 Month TSC or IRA TSC | $10,000 | 36 Months | 2.227% | 2.25% | Monthly |
| 48 Month TSC or IRA TSC | $500 | 48 Months | 2.080% | 2.10% | Monthly |
| 48 Month TSC or IRA TSC | $10,000 | 48 Months | 2.276% | 2.30% | Monthly |
| 60 Month TSC or IRA TSC | $500 | 60 Months | 2.325% | 2.35% | Monthly |
| 60 Month TSC or IRA TSC | $10,000 | 60 Months | 2.521% | 2.55% | 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 2/13/2023.
See your Member Service Representative for more information.
| Description | Minimum Amount | Term | Dividend Rate | APY* | Compounding Period |
|---|---|---|---|---|---|
| Flex Money Market | $2,000 | Daily | 0.15% | 0.15% | Quarterly |
| Flex Money Market | $20,000 | Daily | 0.30% | 0.30% | Quarterly |
| Flex Money Market | $50,000 | Daily | 0.50% | 0.50% | Quarterly |
| Flex Money Market | $100,000 | Daily | 0.70% | 0.70% | Quarterly |
*Annual Percentage Yield
Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings. Effective 2/13/2023.
_________________________________________________________________
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 will 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.
| Description | Minimum Dividend Balance | Term | Dividend Rate | APY* | Compounding Period | Effective | |
|---|---|---|---|---|---|---|---|
| Regular IRA Shares (One Share = $5) | $50 | Daily | 0.200% | 0.20% | Quarterly | 1st Qtr. 2023 |
*Annual Percentage Yield
Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings.
| Annual Percentage Rate (APR) as low as | Minimum Finance Amount | Term |
|---|---|---|
| 6.00% | - | Up To 36 Months |
| 6.25% | - | 37 – 63 Months |
| 6.50% | - | 64 – 83 Months |
| 6.75% | - | 84 Months |
Rates subject to change without notice. Current rates effective May 8, 2023
Monthly payment example: If you borrow $20,000 for a 60 month term at 6.00%, your monthly payment would be $386.77.
Maximum loan amount may be affected according to market conditions.
*2015 and older vehicles are subject to a 1.0% rate increase (except where rate prohibits).
*Vehicles with 100k miles or more are subject to a 0.50% rate increase (except where rate prohibits).
Quoted rates reflect the lowest rate available for new auto loans based on MSRP, 2019 or newer, 740 or higher credit score, 5.50% 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).
Hail damaged units are ineligible for financing.
We do not accept salvaged titles.
-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.
| Annual Percentage Rate (APR) as low as | Minimum Finance Amount | Term |
|---|---|---|
| 8.00% | - | Up To 36 Months |
| 8.25% | - | 37 – 63 Months |
| 8.50% | - | 64 – 83 Months |
| 8.75% | - | 84 Months |
| Inquire for longer terms and/or higher loan amounts. Please Note: Longer terms may have higher rates. | - | Over 84 Months |
Rates subject to change without notice. Current rates effective May 8, 2023
Monthly payment example: If you borrow $20,000 for a 60 month term at 8.00%, your monthly payment would be $405.53.
Maximum loan amount may be affected according to market conditions.
*2015 and older vehicles are subject to a 1.0% rate increase (except where rate prohibits).
*Vehicles with 100k miles or more are subject to a 0.50% rate increase (except where rate prohibits).
Quoted rates reflect the lowest rate available for new auto loans based on MSRP, 2019 or newer, 740 or higher credit score, 5.50% 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 Recreational Vehicles: maximum advance based on dealer cost amount.
-Used Recreational Vehicles: maximum advance based on NADA wholesale value.
Hail damaged units are ineligible for financing.
We do not accept salvaged titles.
-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.
| Annual Percentage Rate (APR) as low as | Term | Amount |
|---|---|---|
| 11.70% | 0 – 48 Months | $100 – $20,000 |
Rates subject to change without notice. Current rates effective November 4, 2022.
Monthly payment example: If you borrow $5000 for a 24 month term at 11.45%, your monthly payment would be $234.06. for a Closed Signature Loan
| Description | Annual Percentage Rate (APR) as low as |
|---|---|
| Share Secured Loan | 2.50% over current share rate |
| Certificate Secured Loan | 2.50% 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.
Monthly payment example: If you borrow $5000 for a 24 month term at 2.50%, your monthly payment would be $213.80 for a Share Secured Loan
| Description | Annual Percentage Rate (APR) |
|---|---|
| 9 Month, fixed-rate, Construction Loans | Call or E-mail for quote |
| Description | Annual Percentage Rate (APR) |
|---|---|
| 10, 15 and 30 year, closed-end, fixed-rate, 1st Mortgage | Call or Email for quote |
| Description | Annual 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
| Description | Annual Percentage Rate (APR) |
|---|---|
| Up to 90% LTV* | Call or Email for quote |
*Loan to Value