Products
The following products are offered to our members:
Savings
- Share Accounts (savings account)
- Christmas Club Account Balances are available on October 1st
- Tax Club Account- Used by members to pay personal property, real estate taxes
- Vacation Club Account
- Smart Savers Account- designed for children 17 and younger
*Savings accounts are paid dividends on a quarterly basis. The Board of Directors declares the dividend to be paid at the end of each quarter.
Share Certificates- we offer certificates for six, twelve, eighteen or 24 months at a fixed interest rate. Dividends are paid and compounded quarterly
*Note: Federal Regulations prohibit payment of dividends in excess of available earnings.
Draft Account (checking) No maintenance fees or minimum balance. Free checks to persons who are 55 years and older. The first 50 checks are free of charge for members who use direct deposit. VISA Debit Card- No fees for transactions other than the ATM operator fee, lost card, or insufficient funds.
Loans
- Signature Loans ( unsecured) Debt consolidation, home repairs, vacation, etc.
- New and Used Vehicles- cars, trucks, boats and motorcycles.
- Share/Share Certificate Loans- Savings in the credit union used as collateral.
- Mortgage Loans-The Credit Union does not offer first or second mortage loans but particiaptes in the following programs:
- Smart Move- Members receive rebates for buying and selling their home.
- Member Options- Member Options offer mortgage loans to members at competitive rates. They can be reached at memberoptions.com.
Loan Rates
| Type | Maximum Loan Amount | Maximum Term | Interest Rate |
| Signature Loan | $5000.00 | 48 months | 8.5%-16.5% * |
| New Vehicle | $50000.00 | 66 months** | 5.40%-8.4%% * |
| Used Vehicle | $50000.00 | 66 months** | 6.25%-11.25% * |
| Share Loans | $50000.00 | 84 months | 6.5% |
| New Motorcycle | $50000.00 | 60 months | 7.75%-10.75% * |
| Used Motorcycle | $50000.00 | 48 months | 9.5%-13.0% * |
| New Boat | $50000.00 | 72 months | 7.75%-12.5% * |
| Used Boat | $50000.00 | 48 months | 9.50%-14.0% * |
| Share Certificate | $50000.00 | 84 months | 3% |
| above current Certificate rate |
Note: * Interest rates are determined by credit worthiness and other factors such as length of loan and year of vehicle. We will lower the interest rate on vehicle loans by .25% if the member obtains pre-approval. * For 2005-2007 vehicles, we will finance for 66 months if the financed ammount exceeds $20000.00
Monthly Payment Calculator
Loan Application
We are happy to provide members with a copy of the loan application. Please complete the application and return it to the credit union with a current pay stub or documentation for any income that you are using to qualify with. Also include the loan application fee of $5.00 (individual credit) or $7.50 (joint credit).
Note: Please do not send this application to us through the internet as we must have the original.
Click here to download loan application
| Share Rates ( Fourth Quarter of 2007) $50.00 minimum required to earn dividend | |||
| Type | Amount | Rate | APY |
| Share | $50.00 to $5000.00 | 1.20% | 1.21% |
| $5000.00-$10000.00 | 1.70% | 1.71% | |
| $10000.00 and above | 2.20% | 2.22% | |
| Club Accounts | 1.15% | 1.15% | |
| Share Certificates |
Call the Credit Union for Rates | ||
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