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Current 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.

 

Effective Date: 6/25/2018 Savings, Checking & Certificate Rates

Special Share – IRA Certificate Minimum Div. Rate (%) APY (%)
40 Month $1,000 2.575 2.60
Smart Saver Certificate Minimum Div. Rate (%) APY (%)
12 Month None 2.182 2.20
Share or IRA Certificate Minimum Div. Rate (%) APY (%)
6 Year $1,000 2.869 2.90
5 Year $1,000 2.526 2.55
4 Year $1,000 2.428 2.45
3 Year $1,000 2.280 2.30
2 Year $1,000 2.133 2.15
18 Month $1,000 2.034 2.05
12 Month $1,000 1.985 2.00
6 Month (No IRA Available) $1,000 1.739 1.75
3 Month (No IRA Available) $1,000 1.541 1.55
Jumbo Share or IRA Certificate Minimum Div. Rate (%) APY (%)
5 Year $10,000 2.722 2.75
4 Year $10,000 2.624 2.65
3 Year $10,000 2.477 2.50
2 Year $10,000 2.330 2.35
18 Month $10,000 2.231 2.25
12 Month $10,000 2.182 2.20
6 Month $10,000 1.936 1.95
3 Month (No IRA Available) $10,000 1.739 1.75
Variable Rate IRA Minimum Div. Rate (%) APY (%)
None 1.066 1.07
Indexed IRA Minimum Div. Rate (%) APY (%)
Under $1,000 0.350 0.35
$1,000 0.867 0.87
$25,000 1.066 1.07
Wealth Builder Minimum Div. Rate (%) APY (%)
Under $10,000 0.349 0.35
$10,000 0.399 0.40
$25,000 0.449 0.45
$50,000 0.499 0.50
$100,000 0.598 0.60
Hawks Checking Minimum Div. Rate (%) APY (%)
None 0.0500 0.0500
Legacy Checking Minimum Div. Rate (%) APY (%)
Under $500 0.0000 0.0000
$500 0.0500 0.0500
$1,000 0.0500 0.0500
$2,500 0.0500 0.0500
$5,000 0.0500 0.0500
$10,000 0.0500 0.0500
Advantage Plus Checking Minimum Div. Rate (%) APY (%)
Under $100 0.000 0.000
$100 to $1,000 3.455 3.500
$1,000 0.050 0.050
Business Checking Minimum Div. Rate (%) APY (%)
Under $1,000 0.000 0.000
$1,000 0.050 0.050
$5,000 0.050 0.050
$10,000 0.050 0.050
$25,000 0.050 0.050
$50,000 0.050 0.050
Money Minder Savings (< 12 Years Old) Minimum Div. Rate (%) APY (%)
$5 0.399 0.40
Money Maker Savings (13 to 17 Years Old) Minimum Div. Rate (%) APY (%)
$5 0.399 0.40
$1000 1.095 1.10
Primary Share (Savings) Club Accounts Minimum Div. Rate (%) APY (%)
Primary Share $5 0.200 0.20
Christmas Club $5 0.200 0.20
Vacation Club $5 0.200 0.20
Consumer Loan Rates
Cars, Trucks and Motorcycles
Up to 84 months* APR (%)*
2014 to 2018 As low as 3.09
 2013 and Older As low as 3.59
Recreational Vehicles
Up to 72 months* APR (%)*
2017 & Newer As low as 6.19
2012 to 2016 As low as 6.69
Signature Loans APR (%)*
Up to 48 months As low as 8.49

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
Mercy Health System Loans 2.0% over the index
Share Secured 3% above the certificate rate
3% above the share rate with a minimum rate of 6.0%
Index is the prime lending rate as published in the Wall Street Journal
Home Equity Line of Credit & Mortgage Rates
Home Equity Line of Credit (HELOC) APR (%)*
Up to 80% loan to value As low as 4.24% (Prime – .51%)
Index is the prime lending rate as published in the Wall Street Journal
Up to 90% loan to value As low as 5.74% (Prime + .99%)
Index is the prime lending rate as published in the Wall Street Journal

Mortgages

View Rates

Credit Cards
Interest Rate and Interest Charges
Annual Percentage Rate (APR) For Purchases = 9.50% APR (January, February & March 2018)

For Balance Transfers = 9.50% APR (January, February & March 2018)

For Cash Advances = 9.50% APR (January, February & March 2018)

Your annual percentage rate may vary. The rate will be based on the average of the previous quarter’s 91-day Treasury Bill auction rate plus a margin of 8%.

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.

 

Fees
Annual Fee None
Transaction Fees:

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
 

  • None
  • None
  • A 1% International Transaction Fee will be assessed on all transactions where the merchant country di ers from the United States.
Penalty Fees

  • Late Payment
  • Returned Payment
 

  • Up to $10.00 per month, if your minimum payment is not received by the end of the billing cycle as shown on your periodic statement.
  • Up to $10.00 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.

Business Credit Cards
Interest Rate and Interest Charges
Annual Percentage Rate (APR)
Rate based upon credit history. Other rates are available.
For Purchases = 10.25% – 12.25% APR (January, February & March 2018)

For Balance Transfers = 10.25% – 12.25 APR (January, February & March 2018)

For Cash Advances = 10.25% – 12.25 APR (January, February & March 2018)

Your annual percentage rate may vary. The rate will be based on the three-month average of the Constant Maturities Treasury rate plus a margin of 9-11% based on creditworthiness.

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.

 

Fees
Annual Fee None
Transaction Fees:

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
 

  • None
  • None
  • A 1% International Transaction Fee will be assessed on all transactions where the merchant country di ers from the United States.
Penalty Fees

  • Late Payment
  • Returned Payment
 

  • Up to $10.00 per month, if your minimum payment is not received by the end of the billing cycle as shown on your periodic statement.
  • Up to $10.00 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.