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Rates
Rates as of July 15, 2020. Rates are subject to change without notice.
Deposit Rates
Regular Savings Rates
| Balance | Rate | APY |
| $250.00 and above | 0.05% | 0.05% |
APY= Annual Percentage Yield. Minimum balance to open $25.00. Minimum balance to earn $250.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds. Rates as of July 15, 2020. Rates are subject to change without notice.
My Life My Money (MLMM) Savings Rates
| Balance | Rate | APY |
| $0.01 – $1,499.99 | 0.10% | 0.10% |
| $1,500.00 – $2,999.99 | 0.10% | 0.10% |
| $3,000.00 and above | 0.15% | 0.15% |
APY= Annual Percentage Yield. Minimum balance to open $25. Minimum balance to earn $0.01. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date. Rates as of July 15, 2020. Rates are subject to change without notice.
IRA & SEP Savings Rates
| Balance | Rate | APY |
| $50.00 and above | 0.25% | 0.25% |
APY= Annual Percentage Yield. Minimum balance to open $50.00. Minimum balance to earn $50.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date. Rates as of July 15, 2020. Rates are subject to change without notice.
Summer Savings & Holiday Club Rates
| Balance | Rate | APY |
| $250.00 and above | 0.10% | 0.10% |
APY= Annual Percentage Yield. Minimum balance to open $5.00. Minimum balance to earn $250.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds. Rates as of July 15, 2020. Rates are subject to change without notice.
Roary & CU Succeed Savings Rates
| Balance | Rate | APY |
| $50.00 and above | 0.10% | 0.10% |
APY= Annual Percentage Yield. Minimum balance to open $25.00. Minimum balance to earn $50.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds. Rates as of July 15, 2020. Rates are subject to change without notice.
Money Market Rates
| Balance | Rate | APY |
| $0.00 – $2,499.99 | 0.00% | 0.00% |
| $2,500.00 – $24,999.99 | 1.00% | 1.00% |
| $25,000.00 - $49,999.99 | 0.70% | 0.70% |
| $50,000.00 - $99,999.99 | 0.55% | 0.55% |
| $100,000.00 and above | 0.45% | 0.45% |
APY= Annual Percentage Yield. Minimum balance to open $2,500.00. Minimum balance to earn $2,500.00. Fees could reduce earnings on the account. Rates as of July 15, 2020. Rates are subject to change without notice. Limit one money market account per membership.
Daily Spending Account Rates
| Balance | Rate | APY |
| $0.00 and above | 0.00% | 0.00% |
APY= Annual Percentage Yield. Minimum balance to open $0.00. No monthly maintenance fees. Non-dividend account. Rates as of July 15, 2020. Rates are subject to change without notice.
Direct Spending Account Rates
| Balance | Rate | APY |
| $0.00 and above | 0.00% | 0.00% |
APY= Annual Percentage Yield. Minimum balance to open $50.00. $3.00 monthly maintenance fees. Non-dividend account. Rates as of July 15, 2020. Rates are subject to change without notice.
Prime Spending Account Rates
| Balance | Rate | APY |
| $2,500.00 and above | 0.05% | 0.05% |
APY= Annual Percentage Yield. Minimum balance to open $100.00. Minimum balance to earn $2,500.00. Paid quarterly with a daily balance of $2,500.00. Monthly maintenance fee of $7.00 if daily balance requirement of $2,500.00 is not met or a minimum monthly collective direct deposit of $1,000 & 10 debit card transactions. Fees could reduce earnings on the account. Rates as of July 15, 2020. Rates are subject to change without notice.
Empower Checking Rates
| Balance | Rate | APY |
| $0.00 and above | 0.00% | 0.00% |
APY= Annual Percentage Yield. Minimum balance to open $25.00. Monthly maintenance fee of $20.00. Non-dividend account. Rates as of July 15, 2020. Rates are subject to change without notice.
CU Succeed Checking Rates
| Balance | Rate | APY |
| $0.00 and above | 0.00% | 0.00% |
APY= Annual Percentage Yield. Minimum balance to open $0.00. No monthly maintenance fees. Non-dividend account. Rates as of July 15, 2020. Rates are subject to change without notice.
CD and IRA Rates
Regular Certificate Rates
| Term | Rate | APY |
| 3 months | 0.15% | 0.15% |
| 6 months | 0.25% | 0.25% |
| 12 months | 0.50% | 0.50% |
| 24 months | 0.75% | 0.75% |
| 36 months | 0.90% | 0.90% |
| 48 months | 1.00% | 1.00% |
| 60 months | 1.20% | 1.21% |
APY= Annual Percentage Yield. Minimum balance to open Regular Certificate $500.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of July 15, 2020. Rates are subject to change without notice.
IRA Certificate Rates
| Term | Rate | APY |
| 3 months | 0.35% | 0.35% |
| 6 months | 0.45% | 0.45% |
| 12 months | 0.70% | 0.70% |
| 24 months | 0.95% | 0.95% |
| 36 months | 1.10% | 1.11% |
| 48 months | 1.20% | 1.21% |
| 60 months | 1.40% | 1.41% |
APY= Annual Percentage Yield. Minimum balance to open IRA Certificate is $500.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of July 15, 2020. Rates are subject to change without notice.
Flex Certificate Rates
| Term | Rate | APY |
| 3 months | 0.15% | 0.15% |
| 6 months | 0.25% | 0.25% |
| 12 months | 0.50% | 0.50% |
| 24 months | 0.75% | 0.75% |
APY= Annual Percentage Yield. Minimum balance to open Flex Certificate $250.00. Any term 3-24 months. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of July 15, 2020. Rates are subject to change without notice.
Executive Suite Flex Certificate Rates
| Term | Rate | APY |
| 3 months | 0.30% | 0.30% |
| 6 months | 0.30% | 0.30% |
| 12 months | 0.60% | 0.60% |
| 18 months | 0.94% | 0.94% |
| 24 months | 1.00% | 1.00% |
APY= Annual Percentage Yield. Minimum balance to open an Executive Suite Flex Certificate $1,000. Any term 1-24 months. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of July 15, 2020. Rates are subject to change without notice.
Loan Rates
New and Used Auto Loans
| Loan Term | APR |
| 24 months or less | as low as 2.00% APR |
| 25 - 36 months | as low as 2.20% APR |
| 37 - 48 months | as low as 2.40% APR |
| 49 - 60 months | as low as 2.70% APR |
| 61 - 72 months | as low as 3.15% APR |
| More than 72 months | as low as 3.45% APR |
APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply for commercial loans. All loans subject to approval. Rates as of July 15, 2020. Rates are subject to change without notice.
Personal and Line of Credit Loans
| Loan Term | APR |
| 0 - 24 months | as low as 7.75% APR |
| 25 months or more | as low as 8.00% APR |
Personal Loan Loyalty Discount: Members can receive an additional rate discount for Personal Loans based on their length of membership. 1.00% rate discount is offered to memberships of more than 5 years. 0.50% rate discount is offered to memberships between 1 and 5 years.
Line of Credit Loans do not qualify for the Loyalty Discount. Restrictions may apply; see credit union for details.
APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply for commercial loans. All loans subject to approval. Rates as of July 15, 2020. Rates are subject to change without notice.
Home Equity Fixed Rate Loans
| Loan Information |
| Rates as low as 6.99% APR |
APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply for commercial loans. All loans subject to approval. Rates as of July 15, 2020. Rates are subject to change without notice. Please contact the Mortgage Department for further details.
Home Improvement Loans
| Loan Information |
| Rates as low as 5.00% APR |
APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply for commercial loans. All loans subject to approval. Rates as of July 15, 2020. Rates are subject to change without notice. Please contact the Mortgage Department for further details.
Second Lien Purchase or Refinance Fixed Rate Loans
| Loan Information |
| Rates as low as 5.00% APR |
APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply for commercial loans. All loans subject to approval. Rates as of July 15, 2020. Rates are subject to change without notice. Please contact the Mortgage Department for further details.
Home Equity Line of Credit Loans
| Loan Information |
| Rates as low as 6.00% APR |
APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply for commercial loans. All loans subject to approval. Rates as of July 15, 2020. Rates are subject to change without notice. Please contact the Mortgage Department for further details.
