Rates
Share Savings Rates
Share Savings
Rates Effective: 7/1/18 |
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| Balance | Dividend Rate | APY* |
| $5.00-$299.99 | 0.00% | 0.00% |
| $300.00-$9,999.99 | 0.20% | 0.20% |
| $10,000-$24,999.99 | 0.20% | 0.20% |
| $25,000 and over | 0.40% | 0.40% |
*APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $300 in your account for the month. Rates subject to change without notice. Fees may reduce earnings. Min. $5 deposit required to open. Federally Insured by NCUA.
Youth Savings
Rates Effective: 7/1/18 |
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| Balance | Dividend Rate | APY* |
| $5.00-$299.99 | 0.20% | 0.20% |
| $300.00-$9,999.99 | 0.20% | 0.20% |
| $10,000-$24,999.99 | 0.20% | 0.20% |
| $25,000 and over | 0.40% | 0.40% |
*APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $5 in your account for the month. Rates subject to change without notice. Fees may reduce earnings. Min. $5 deposit required to open. Federally Insured by NCUA.
Share Certificate Rates
Rates Effective: 1/29/18 |
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| TERM | Dividend Rate | APY* |
| 2-5 Months | 0.25% | 0.25% |
| 6-11 Months | 0.50% | 0.50% |
| 12-23 Months | 0.75% | 0.75% |
| 13 Month Special | 1.49% | 1.50% |
| 24-35 Months | 1.00% | 1.00% |
| 30 Month Special | 2.03% | 2.05% |
| 36-47 Months | 1.14% | 1.15% |
| 48-59 Months | 1.24% | 1.25% |
| 60 Months | 1.49% | 1.50% |
**APY=Annual Percentage Yield, assumes the same rate for 1 year. Interest is compounded and credited monthly. $500 minimum required to open. Rates subject to change without notice. Federally Insured by NCUA. Rates may change after account is opened. Fee’s could reduce earnings. A penalty may be imposed for early withdrawal.
Lucky Saver Certificate Rates
Rates Effective: 10/1/15 |
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| TERM | Dividend Rate | APY* |
| 12 Months | 1.00% | 1.00% |
*APY = Annual Percentage Yield. Federally Insured by NCUA. Rates subject to change without notice.
Each Lucky Savers Certificate requires an initial deposit of $25.00 and account holders may make additional deposits into that certificate throughout its term, up to $250 per month. Should a member deposit in excess of $250 in any month, the excess will be transferred to their primary share savings. The initial deposit and all subsequent deposits mature 12 months after the date that the initial deposit is made. Each account holder is limited to one Lucky Savers Certificate.
During the term of the Lucky Savers Certificate, account holders will be allowed to make one withdrawal from the account, with a $25.00 penalty to be assessed at the time of withdrawal. If the early withdrawal reduces the principal below the minimum balance or a second withdrawal is performed in the 12-month term, the certificate will be closed. The credit union will deduct from the principal amount to cover the penalty.
Christmas Club Savings Rates
Rates Effective: 7/1/18 |
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| TERM | Dividend Rate | APY* |
| $5.00-$299.99 | 0.20% | 0.20% |
| $300.00-$9,999.99 | 0.20% | 0.20% |
| $10,000-$24,999.99 | 0.20% | 0.20% |
| $25,000 and over | 0.40% | 0.40% |
*APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $25 in your account. Rates subject to change without notice. Fees may reduce earnings on the account. Clubs mature on 10/1 of each year. Minimum required to open is $25. Federally Insured by NCUA.
IRAs: Fixed & Variable Rates
Rates Effective: 1/29/18 |
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| TERM | Dividend Rate | APY* |
| 2-5 Months | 0.25% | 0.25% |
| 6-11 Months | 0.50% | 0.50% |
| 12-23 Months | 0.75% | 0.75% |
| 13 Month Special | 1.49% | 1.50% |
| 24-35 Months | 1.00% | 1.00% |
| 30 Month Special | 2.03% | 2.05% |
| 36-47 Months | 1.14% | 1.15% |
| 48-59 Months | 1.24% | 1.25% |
| 60 Months | 1.49% | 1.50% |
*APY=Annual Percentage Yield, assumes the rate same rate for 1 year. $500 minimum required to open. Fees may reduce earnings. Rates subject to change without notice. Rates may change after account is opened. Federally Insured by NCUA.
Variable IRA Savings Rates – Effective: 7/1/14 |
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| Dollar Range | Dividend Rate | APY* |
| All | 0.75% | 0.75% |
**APY=Annual Percentage Yield, assumes the same rate for 1 year. $50 minimum required to open. Rates subject to change without notice. Fees may reduce earnings. Rate may change after account is opened. Federally Insured by NCUA.
Money Market Rates
Rates Effective: 7/1/18 |
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| Balance | Dividend Rate | APY* |
| $2,500.00-$9,999.99 | 0.25% | 0.25% |
| $10,000.00-$24,999.99 | 0.30% | 0.30% |
| $25,000.00-$49,999.99 | 0.35% | 0.35% |
| $50,000.00-$99,999.99 | 0.45% | 0.45% |
| $100,000.00 and over | 0.80% | 0.80% |
*APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn interest is $2,500. Fees may reduce earnings. Rates subject to change without notice. Federally Insured by NCUA.
myDividend Checking Rates
Rates Effective: 7/1/18 |
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| Dollar Range | Dividend Rate | APY* |
| Standard Rate | 0.10% | 0.10% |
| Premium Rate** | 2.23% | 2.25% |
*APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $300 in your account for the month. Rates may change after account is opened. Rates are subject to change without notice. Federally Insured by NCUA.
**To qualify for the Premium Dividend Rate, you must receive E-statements AND have 15 or more point of sale (POS) debit card transactions post to your account for the month. The premium rate will apply to the first $10,000 in the account and the standard rate will apply to the balance in excess of $10,000. Fees may reduce earnings if deposit requirements are not met. Federally Insured by NCUA.
Auto Loan Rates
Rates Effective: 7/1/18 |
2017 & newer | 2014-2016 | 2010-2013 | 2009 & older |
| up to 42 | 3.20%-11.65% APR | 3.75%-11.75% APR | 4.00%-11.75% APR | 5.75%-15.00% APR |
| 43 – 51 | 3.25%-12.40%APR | 3.85%-12.25%APR | 4.20%-12.25%APR | 6.00%-16.00%APR |
| 52 – 63 | 3.30%-12.85%APR | 3.95%-12.75%APR | 4.45%-15.00%APR | NA |
| 64 – 71 | 3.45%-13.50%APR | 4.15%-13.50%APR | 4.65%-16.00%APR | NA |
| 72 – 78 * | 4.05%-14.75%APR | 4.25%-16.00%APR | 5.65%-17.00%APR | NA |
| 79 – 84 * | 4.50%-15.50%APR | 4.85%-17.75%APR | NA | NA |
| Rate Discount: | Subtract .25% from the rate for auto transfer of the monthly payment. | |||
| LTV: | The rate may be increase or decreased by .25%-.75% based on the LTV. LTV restrictions may apply. | |||
| Mileage: | Over 80,000 miles, add .50% to the rate. Max term 2011 & newer is 72 mo., 2010 is 66 months, 2009 & older is 48 months. | |||
| APR: | Annual Percentage Rate | |||
*APR = Annual Percentage Rate. Rates subject to change without notice. A $15,000 loan for 42 months @ 3.20% = $378.04
Home Equity Loan Rates
Effective 3/27/2018
Home Equity Loans are fixed rate loans secured by your primary residence.
Minimum Loan $10,000 – Maximum Loan $150,000 – Maximum LTV 90%
| TERM | RATE/APR* | MAX LTV | CREDIT SCORE |
| 5 Yr | 3.25% | 80%-90% | LTV > 80% Requires 680+ Credit Score |
| 7 Yr | 3.75% | 80%-90% | LTV > 80% Requires 680+ Credit Score |
| 10 Yr | 4.00% | 80%-90% | LTV > 80% Requires 680+ Credit Score |
| 15 Yr | 4.49% | 80%-90% | LTV > 80% Requires 680+ Credit Score |
*APR = Annual Percentage Rate. The payment on a $20,000 fixed rate home equity loan for 5 years @ 3.25%APR = $361.60 per month. Maximum APR is 17.99%. All loans subject to credit approval, home eligibility, minimum and maximum loan amounts, and LTV stipulations. Rates subject to change without notice. NMLS #585840. Equal Housing Lender.
Home Equity Line of Credit Rates
Effective 3/27/2018
Our “FIXED FOR FIVE” Home Equity Line of Credit has an initial rate of 4.75%APR* for the first five years and adjusts twice annually with Prime Rate.**
Minimum Loan $10,000 – Maximum Loan $150,000
Maximum LTV for all Mortgages Against the Property is 80%
Draw Period – 10 Years – Repayment Period – 20 Years
| TERM | RATE/APR | MAX LTV |
| Years 1-5 | 4.75% | 80% |
| Years 6-20 | Prime Rate**(5.00%APR as of 7/1/18)
Varies twice yearly on January 1st and July 1st with Prime Rate. |
80% |
*APR = Annual Percentage Rate. All loans subject to credit approval, home eligibility, minimum and maximum loan amounts, and LTV stipulations.
**Prime rate, as published in the Wall Street Journal, currently 5.00%. Rates subject to change without notice. Rate not to exceed 17.99%.
NMLS #585840. Equal Housing Lender.
Mortgage Rates
Mortgage rates can change daily, please call 716.372.6607 to speak to a mortgage lender for current rates and terms. We have several fixed and variable rate options available. Our lenders will work with you to determine which program fits your needs.
NMLS #585840. Equal Housing Lender.
Recreational Vehicle Loans
Rates Effective: 4/16/18 |
2015 & newer | 2011-2014 | 2008-2010 |
| up to 42 | 3.50%-7.45% APR | 4.00%-8.00% APR | 4.75%-9.75% APR |
| 43 – 51 | 3.65%-8.00%APR | 4.40%-8.50%APR | 5.25%-10.00%APR |
| 52 – 63 | 4.25%-8.75%APR | 5.00%-9.25%APR | 5.75%-10.25%APR |
| 64 – 71 | 4.50%-7.25%APR | 5.50%-8.25%APR | 6.25%-6.75%APR |
| 72 – 78 * | 5.00%-8.25%APR | 6.50%-9.00%APR | NA |
| 79 – 84 *(New camper, RV or Boat only) | 5.75%-6.25%APR | 7.00%-7.25%APR | NA |
| 85 -120 *(New camper, RV or Boat only) | 6.25%-6.75%APR | NA | NA |
| LTV: | The rate may be increase or decreased by .25% based on the LTV. LTV restrictions may apply. | ||
| APR: | Annual Percentage Rate | ||
*APR = Annual Percentage Rate. Rates subject to change without notice. A $20,000 loan on a 2015 Boat for 60 months at an annual percentage rate of 4.25% is $370.66 per month.