Rates

Savings, Checking, & CDs
Consumer Loan
HELOC & MORTGAGE
Credit Cards
Business Credit Cards

Current Savings, Checking, & Certificate Rates

Credit unions are known for “giving back” to their communities with competitive rates on savings, checking, loans, and credit cards. It is just another benefit of belonging to a cooperative.

Certificates and IRAs

Smart Saver Certificate	Minimum	Dividend Rate (%)	APY (%)
12 Month	None	1.946	1.96

Share or IRA Certificate	Minimum	Dividend Rate (%)	APY (%)
5 Year	$1,000	2.967	3.00
4 Year	$1,000	2.967	3.00
3 Year	$1,000	2.967	3.00
2 Year	$1,000	3.211	3.25
18 Month	$1,000	3.455	3.50
12 Month	$1,000	3.698	3.75
6 Month (No IRA Available)	$1,000	3.844	3.90
3 Month (No IRA Available)	$1,000	3.941	4.00

Jumbo Share or IRA Certificate	Minimum	Dividend Rate (%)	APY (%)
5 Year	$10,000	3.455	3.50
4 Year	$10,000	3.455	3.50
3 Year	$10,000	3.455	3.50
2 Year	$10,000	3.698	3.75
18 Month	$10,000	3.941	4.00
12 Month	$10,000	4.184	4.25
6 Month (No IRA Available)	$10,000	4.329	4.40
3 Month (No IRA Available)	$10,000	4.426	4.50

Variable Rate IRA	Minimum	Dividend Rate (%)	APY (%)
	None	0.499	0.50

Savings Accounts

Wealth Builder	Minimum	Dividend Rate (%)	APY (%)
	None	1.884	1.90

Primary Savings	Minimum	Dividend Rate (%)	APY (%)
	$5	0.499	0.50

Secondary Savings	Minimum	Dividend Rate (%)	APY (%)
	$5	0.499	0.50

Mortgage Savings	Minimum	Dividend Rate (%)	APY (%)
	$5	0.499	0.50

Checking Accounts

Legacy Checking	Minimum	Dividend Rate (%)	APY (%)
	Under $500	0.000	0.000
	$500	0.025	0.025

Business Checking	Minimum	Dividend Rate (%)	APY (%)
	Under $1,000	0.000	0.00
	$1,000	0.025	0.025

Organization Checking	Minimum	Dividend Rate (%)	APY (%)
	Under $500	0.000	0.00
	$500	0.025	0.025

Minimum	Dividend Rate (%)	APY (%)
Under $999	0.000	0.00
$1,000	2.716	2.75
$10,000	3.687	3.75
$50,000	4.169	4.25
$100,000	4.650	4.75
$200,000	4.889	5.00

Premier Checking Qualifications Not Met*	Minimum	Dividend Rate (%)	APY (%)
	Under $9,999	0.000	0.00
	$10,000	0.499	0.50

Youth Accounts

Money Minder Savings 12 Years Old And Under	Minimum	Dividend Rate (%)	APY (%)
	$5	0.499	0.50

Money Maker Savings 13 to 17 Years Old	Minimum	Dividend Rate (%)	APY (%)
	$5	0.499	0.50
	$1,000	0.996	1.00

Hawks Checking 18 Years Old And Under	Minimum	Dividend Rate (%)	APY (%)
	None	0.025	0.025

Club Accounts

Christmas Club	Minimum	Dividend Rate (%)	APY (%)
	$5	0.499	0.50

Vacation Club	Minimum	Dividend Rate (%)	APY (%)
	$5	0.499	0.50

Challenge Club	Challenge Club Schedule (PDF)

*See Checking Product Guide for details.

Dividends are compounded daily and paid quarterly for savings accounts.

DISCLOSURES

SAVINGS, CHECKING & CERTIFICATES

APY means annual percentage yield. The Annual Percentage Yield is accurate as of the Effective Date. Rates may change after you open your account. Please call us for current rate information at 1-800-779-5555.

Certificates:

A penalty may be imposed if you withdraw any of the funds before the maturity date. Rates are subject to change without notice and may change after account is opened. Fees may reduce the earnings on all accounts.

Current Consumer Loan Rates

Credit unions are known for “giving back” to their communities with competitive rates on savings, checking, loans, and credit cards. It is just another benefit of belonging to a cooperative.

Cars, Trucks and Motorcycles
Up to 84 months	APR (%)*
Our Lowest Auto Loan Rate	As low as 6.99

Recreational Vehicles
Up to 84 months	APR (%)*
Our Lowest Recreational Vehicle Rate	As low as 9.09

Signature Loans
Up to 60 months	APR (%)*
Our Lowest Signature Loan Rate	As low as 11.39

Variable Rate Loan	APR (%)*
Kwik Cash	As low as 5.00% over the index. Index is the prime lending rate as published in the Wall Street Journal
Share Secured	3.00% above the certificate rate. 3.00% above the share rate with a minimum rate of 6.0% Index is the prime lending rate as published in the Wall Street Journal.

DISCLOSURES

CONSUMER LOANS

*APR means annual percentage rate. Consumer loans and credit cards are subject to credit approval. Terms may be limited based upon the age of vehicle and credit history.

Loan Payment Example:

A $20,000 automobile loan at 4.39% APR for 60 months (5 years) will have a monthly payment of $371.86.

Current Mortgage Rates

Credit unions are known for “giving back” to their communities with competitive rates on savings, checking, loans, and credit cards. It is just another benefit of belonging to a cooperative.

Home Equity Line of Credit (HELOC)	APR (%)
Up to 80% loan to value	As low as PRIME rate, with lifetime floor of 2.99% APR and ceiling of 18.00% APR. *Fees of up to $220 apply and an appraisal, if required, is an additional $415 - $715, depending on property type. Index is the prime lending rate as published in the Wall Street Journal
Up to 90% loan to value	As low as PRIME +0.99%, with a lifetime floor of 3.99% and ceiling of 18.00% APR. *Fees of up to $220 apply and an appraisal, if required, is an additional $415 - $715, depending on property type. Index is the prime lending rate as published in the Wall Street Journal

Home Equity Fixed Rate Loans	APR (%)
Up to 80% loan to value	As low as 7.14
Up to 90% loan to value	As low as 8.14

First Mortgage Rates

DISCLOSURES

Home Equity Lines of Credit & Fixed 2nd Mortgages

A payoff period of 240 monthly payments (20 years) will be used to calculate the payment. Payments will be set to repay the balance after an advance, at the current annual percentage rate, within the payoff period. Payments may also change if the annual percentage rate increases or decreases. Consult your tax professional regarding interest deductibility. The rate is based upon the value of an index. The index is the highest rate identified as the Prime Rate in the Money Rates section of the Wall Street Journal. The Annual Percentage Rate can change daily based on the index value 20 days prior to the change date. Based upon the LTV ratio, a margin is added to the value of the index. The floor rate is 2.99% and the maximum rate will never exceed 18.00%. You can obtain credit advances for 5 years. Your payment will be set to pay off any balance after the initial draw period for a period of 240 months from your last advance. Minimum payments will never be smaller than $100. Payments will remain the same unless an advance is made. There is a minimum advance amount of $250. The maximum home equity line depends on the home value and total loans secured by the home. You must consult a tax advisor regarding the deductibility of interest.

See our home equity brochure and disclosures for more information.

These rates are an indication of our current rates and are subject to change without notice. Your rate may be different than the rates shown here. Call one of our Mortgage Loan specialists to get a customized quote at 1-800-779-5555.

APR means annual percentage rate. Loans and credit cards are subject to credit approval.

Current Credit Card Rates

Credit unions are known for “giving back” to their communities with competitive rates on savings, checking, loans, and credit cards. It is just another benefit of belonging to a cooperative.

Local First Credit Card	APR (%)*
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers	13.00% - 19.50% APR This APR will vary with the market based on the Prime Rate* and credit history.

Great Rate Credit Card	APR (%)*
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers	13.00% - 19.50% APR This APR will vary with the market based on the Prime Rate* and credit history.

REWARD$ Credit Card	APR (%)*
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers	14.00% - 22.00% APR This APR will vary with the market based on the Prime Rate* and credit history.

Legacy Credit Card (No longer offered)	APR (%)*
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers	12.50% This APR will vary with the market based on the Prime Rate* and credit history.

How We Will Calculate Your Balance: An Average Daily Balance Method is used to calculate your balance for purchase balances and cash advance balances. See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Paying Interest: Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases or balance transfers if you pay your entire new purchase or balance transfer balance by the due date each month. For Cash Advances, we will begin charging interest on the transaction date.

Credit Card Tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.

FREE IDENTITY PROTECTION

DISCLOSURES

Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers: (APR) is a variable rate, that may increase or decrease when the Prime Rate, as identified in the ‘Money Rates’ column of the Wall Street Journal, changes. We calculate the APR based on the Prime Rate (Index), plus a margin of 4.50%-24.00%. The APR is subject to change quarterly and will take effect on the first day of your January, April, July and October billing cycles, following a change in the Prime Rate. The APR will never be more than the maximum rate allowed by applicable law. Any increase in the APR may increase your Interest Charges and your Minimum Payment until what you owe has been repaid.

Current Business Credit Card Rates

Credit unions are known for “giving back” to their communities with competitive rates on savings, checking, loans, and credit cards. It is just another benefit of belonging to a cooperative.

Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers	14.20% - 16.20% APR This APR will vary with the market based on the Prime Rate* and credit history.
Penalty APR and When It Applies	None
Paying Interest	Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases or balance transfers if you pay your entire new purchase or balance transfer balance by the due date each month. For Cash Advances, we will begin charging interest on the transaction date.
Minimum Interest Charge	$.50
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.

Annual Fee	None
Transaction Fees: Balance Transfer Cash Advance Foreign Transaction	None None A 1% Visa® International Service Assessment Fee will be assessed on all transactions the merchant processes outside the United States (which may include internet transactions), regardless of whether you are located inside or outside the United States at the time of the transaction.
Penalty Fees Late Payment Returned Payment	Up to $25 per month, if your minimum payment is not received by the end of the billing cycle as shown on your periodic statement. Up to $15 if your payment is returned for any reason

How We Will Calculate Your Balance: An Average Daily Balance Method is used to calculate your balance for purchase balances and cash advance balances. See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Free Identity Protection

DISCLOSURES

VISA Credit Cards:

Business

Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers: (APR) is a variable rate, that may increase or decrease when the Prime Rate, as identified in the ‘Money Rates’ column of the Wall Street Journal, changes. We calculate the APR based on the Prime Rate (Index), plus a margin of 6.20%-8.20% based on credit worthiness. The APR is subject to change quarterly and will take effect on the first day of your January, April, July and October billing cycles, following a change in the Prime Rate. The APR will never be more than the maximum rate allowed by applicable law. Any increase in the APR may increase your Interest Charges and your Minimum Payment until what you owe has been repaid.