Rates
Signature/Personal Loan
As Low As 11.49% APR
Effective 09/07/23. Rates and terms vary up to 60 months
Share Certificate
Term | APY* | |||||
---|---|---|---|---|---|---|
6 Month | .30% | |||||
12 Month | 5.20% | |||||
18 Month | 1.00% | |||||
24 Month | 1.50% | |||||
36 Month | 3.25% | |||||
48 Month | 1.00% | |||||
60 Month | 1.51% | |||||
Minimum balance of $500 required to earn dividends. *APY: Annual Percentage Yield is accurate as of 3/01/23. Rates are subject to change without notice. Minimum term 6 mos. Penalty for early withdrawal. The credit union reserves the right to exclude special rates to only include new money brought into the credit union only (no account transfers) – please inquire. Please call 563-388-8328 for current rates or additional details. |
Real Estate Loans –All Rates are disclosed as Annual Percentage Rate (APR) and “As Low As” – for best credit worthiness Adam Lounsberry, Mortgage Specialist NMLS #463993 (563) 888-9670 Bill Rossow, Mortgage Specialist NMLS # 502393 (563) 210-2787 1st Mortgage – Please call 563-388-8328 for today’s rates Fixed Rate Mortgage Loans
Adjustable Rate Mortgage Loans
Variable Rate Home Equity Loans 15 Year HELOC (In-House)**
Fixed Rate Home Equity Loans For less than 60 months~
61 – 120 Months~
For longer than 120 Months~
~Fixed Rate Home Equity, stated as Annual Percentage Rate (APR). Taxes and insurance premiums are not included in the payment and the actual payment if applicable will be greater.
Home Improvement Loans
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
**Variable Rate Home Equity – Annual Percentage Rate (APR) may increase after consummation of the loan. All loans are subject to approval. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions. Rates are provided as a sampling, using a scenario of a $125,000 purchase, 20% down, the loan amount of $100,000, with good credit (lower down payment options available).Example of repayment of a Variable Home Equity at the stated rate and term:
|
Share Rates
Share | Minimum Balance Requirement* | APY* | ||||
---|---|---|---|---|---|---|
Regular Shares | $100 – $2,000 | .15% | ||||
Regular Shares | $2,000 | .20% | ||||
CU Succeed Teen Club | $100 | .15% | ||||
Kirby Kangaroo Club | $100 | .15% | ||||
Tiered Accounts | Minimum Balance Requirement* | APR* | ||||
Balances to earn dividends up to | $1,500 – $24,999 | .30% | ||||
Balances to earn dividends up to | $25,000 – $49,999 | .40% | ||||
Balances to earn dividends up to | $50,000 – $99,999 | .50% | ||||
Balances to earn dividends over | $100,000 | .55% | ||||
Other Accounts | Minimum Balance Requirement* | APY* | ||||
IRA | $100 | .20% | ||||
Christmas Club | $100 | .15% | ||||
Health Savings | .20% | |||||
Thrift Shares | $100 | .15% | ||||
*Minimum balance required to earn dividends APR: Annual APY: Annual Percentage Yield. Accurate as of 7/1/2021. Minimum daily balance to earn must be maintained each day to get this APY. Dividends are calculated daily and credited and compounded monthly. Rates, terms, and conditions are subject to change without notice. Available to small business and member accounts only. TIA quoted is: Interest “As High As”. Christmas Club one free withdrawal per year, $3 fee for all additional withdrawals. |
Checking Accounts
Share | *Minimum Requirements to earn dividends | APY* | ||||
---|---|---|---|---|---|---|
Share Draft Accounts | $2,500 | 0.05% | ||||
Young Adult Account | $500, up to $5,000 average monthly balance | 2.50% | ||||
*Minimum balance required to earn dividends. APY: Annual Percentage Yield. Rates accurate as of 3/2/2021 No minimum deposit required to open a regular share draft account. Young Adult Debit Account. For ages 13 up to 26. To qualify, must also be enrolled in e Statements. The Bonus dividend will paid at the beginning of each month to accounts that qualify from the proceeding month and dividends will be deposited into the share draft account. |
Vehicle Loans
Loan | APR% As Low As** | |||||
---|---|---|---|---|---|---|
New & Used Vehicles, Trucks, Motorcycles* 2021 – 2024 |
6.49 up to 48 months
6.99% up to 60 months. 7.49% up to 72 months |
|||||
7.99% 84 months available on lower mileage vehicles | ||||||
Used Vehicles & Motorcycles* 2017 – 2020 | 7.49% up to 48 months
7.99% up to 60 months 8.49% up to 72 months (available 2019/20 only) |
|||||
Used Vehicles & Motorcycles* 2016 and older |
9.24% up to 36 months
9.49% up to 48 months 9.99% up to 60 months |
|||||
New & Used Boats, RVs, Campers* 2021 – 2024 |
8.24% | |||||
Used Boats, RVs, Campers* 2017 and 2020 |
9.24% | |||||
Used Boats, RVs, Campers* 2016 and older |
10.99% | |||||
**Rates Effective 12/11/23. Rates are stated as annual percentage rates (APR). *Fixed APR for up to 60 months includes a 10% down payment. For a $25,000 new auto loan with a term of 60 months and 6.49% APR, the monthly payment will be $489.12. All loans are subject to approval and may vary based on creditworthiness, qualifications and collateral conditions. Rates are based on loans of $2,500 or more. Loans for less than $2,500 will be granted at Signature Rates. Rates are subject to change without notice. Please call for current rates. |