| Term |
Annual Percentage Rate |
Annual Percentage Yield |
|---|---|---|
| From $50.00 and up | 0.01% | 0.01% |
Share Certificates (Early Withdrawal Penalty May Apply)
| Term | Annual Percentage Rate | Annual Percentage Yield |
|---|---|---|
| 3 month SC ($1,000 minimum) | NOT OFFERED | N/A |
| 6 month SC ($1,000 minimum) | 4.25% | 4.318% |
| 12 month SC ($1,000 minimum) | 4.00% | 4.060% |
| 18 month SC ($1,000 minimum) | 3.00% | 3.034% |
| 24 month SC ($1,000 minimum) | 3.05% | 3.085% |
| 36 month SC ($1,000 minimum) | 3.15% | 3.187% |
| 48 month SC ($1,000 minimum) | 3.20% | 3.239% |
| 60 month SC ($1,000 minimum) | 3.25% | 3.290% |
Rates as of April 10, 2024. Rates are subject to change without prior notice.
Annual Percentage Yield assumes that principal and dividends remain on account for the term of the Share Certificate (SC). Dividends on 3 month SC and 6 month SC accrued daily and credited at maturity. Dividends on SC's termed 12 months or longer are accrued daily and credited quarterly. Early withdrawal penalties apply and could reduce earnings and principal on the account.
| Term | APR | Annual Percentage Yield |
|---|---|---|
| From $50.00 to $2,499.99 | 0.01% | 0.01% |
| From $2,500.00 and up | 0.20% | 0.20% |
| Term | Annual Percentage Rate | Annual Percentage Yield |
|---|---|---|
| Passbook | 1.00% | 1.004% |
| 3 year IRA Share Certificate | 3.15% | 3.187% |
| Term | APR As Low As * | Comments |
|---|---|---|
| Up to 5 years | 7.00% | 10% down payment |
| 7 years (Minimum loan balance of $40,000.00) | 7.25% | 10% down payment |
Used Car Loans (Maximum age of car - Last 5 Model Years)
| Term | APR As Low As * | Comments |
|---|---|---|
| Up to 5 years | 8.00% | 15% down payment |
| Term | Rate As Low As * | Comments |
|---|---|---|
| Up to 4 years (Maximun loan amount - $45,000.00) - New | 9.50% | 25% down payment |
| Up to 4 years (Maximun loan amount - $45,000.00) - Used | 11.50% | 25% down payment |
Loan Rates effective April 10, 2024. Rates are subject to change without prior notice.
* Loan Rates are based on creditworthiness, loan-to-value (LTV) and loan purpose, so your rate and terms may differ. All loans are subject to credit approval.
** Members without permanent resident status may be charged up to 1.0 origination points and 0.50% added to the loan rate.
First Mortgage - Residential Conforming (non-Jumbo)
For Jumbo Mortgages - add 0.25% to the posted rate. For multi-family property - add 0.25% to the posted rate.
For CO-OP - add 1.00% to the posted rate
For Vacation Home / Second Residence - add 0.50 to the posted rate
* Rates are based on creditworthiness, loan-to-value (LTV), occupancy and loan purpose, so your rate and terms may differ. All loans are subject to credit approval.
** Members without permanent resident status may be charged up to 1.0 origination points and 0.50% added to the loan rate.
| Term | Rate as Low As* | Comments |
|---|---|---|
| 1 year ARM (30 year payout) | not offered | |
| 3/1 year ARM (30 year payout) | 6.25% | Up to 1.0 points** |
| 5/1 year ARM (30 year payout) | 6.375% | Up to 1.0 points** |
| 7/1 year ARM (30 year payout) | 6.50% | Up to 1.0 points** |
| 10/1 year ARM (30 year payout) | not offered | |
| 15/1 year ARM (30 year payout) | not offered | |
| 10 year fixed | not offered | |
| 15 year fixed | 6.50% | Up to 1.0 points** |
| 20 year fixed | 7.00% | Up to 1.0 points** |
| 30 year fixed (not offered on co-ops) | 7.25% | Up to 1.0 points** |
| Term | Rate |
|---|---|
| Co-Maker - Up to 4 years | 12.00% |
| Signature - Up to 4 years | 12.00% |
| Term | Rate |
|---|---|
| Up to 5 years (Shares) | 2.50% over Savings Yield |
| Up to 5 years (Money Market) | 2.50% over Money Market Yield |
| Up to term of Share Certificate | 2.50% over Share Certificate Yield |
| Term | Rate as Low As* | Comments |
|---|---|---|
| 5/1 years ARM (15 year payout) | 7.65% | Up to 1.0 points** |
| Term | Rate | Comments |
|---|---|---|
| 10 year balloon (10 year Draw) - Residential | Ask for rates | |
| 5 year balloon (5 yr Draw) - Commercial | Ask for rates |
Construction and Land Loans
| Term | Rate | Comments |
|---|---|---|
| Primary Residence Construction Loan | n/a | not offered currently |
| Vacant Land Purchase | 7.50% | Up to 1.0 points** |
Member Business Loans
COMMERCIAL PROPERTY MORTGAGES
| Term | Rate as Low As* | Comments |
|---|---|---|
| 5/1 ARM/15 Yr Ballon (30 year amortization) | Ask for current rates | Up to 1.0 points** |
| 12 year Fixed | Ask for current rates | Up to 1.0 points** |
| 12 year balloon (30 year amortization) | Ask for current rates | Up to 1.0 points** |
INVESTMENT PROPERTY MORTGAGES (1-4 Family Residential Properties)
| Term | Rate As Low As* | Comment |
| 5/1 ARM / 15 Yr Balloon (30 Yr Amortization) | 7.75% | Up to 1.0 points** |
| 15/1 ARM (30 Yr Amortization) | 8.00% | Up to 1.0 points** |
* Loan Rates are based on creditworthiness, loan-to-value (LTV), occupancy and loan purpose, so your rate and terms may differ. All loans are subject to credit approval.
** Members without permanent resident status may be charged up to 1.0 origination points and 0.50% added to the loan rate.
Loan Rates effective April 10, 2024. Rates are subject to change without prior notice.