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Rates

Deposit Accounts

Effective Date: Saturday, December 21, 2024

Dividend Rate APY Minimum to Open Minimum to Earn Dividends
Savings (Share) Accounts 0.10% 0.10% $5 per member * $5 per member
Club Accounts 0.10% 0.10% $0 * $0
Checking (Share Draft) Accounts 0.00% 0.00% $20 * $20
Health Savings Share Draft Account 0.50% 0.50% $0 * $0
Floating IRA (Savings Account) 0.10% 0.10% $0 * $0
*
Minimum Deposit to Open Account — not Minimum Balance to Maintain Account
RedWallet

Effective Date: Saturday, December 21, 2024

Dividend Rate APY Minimum to Open
RedWallet Cash, balance up to $10,000 (qualifications met) * 1.98% 2.00% $20.00 **
RedWallet Cash, balances above $10,000 (qualifications met) * 0.25% 2.00%-0.25% $20.00 **
RedWallet Cash (qualifications not met) * 0.05% 0.05% $20.00 **
RedWallet Cash Back 0.00% 0.00% $20.00 **
RedWallet Tunes 0.00% 0.00% $20.00 **
RedWallet Saver, balance up to $24,999.99 (qualifications met) 0.50% 0.50% $0.00 **
RedWallet Saver, Min. bal $25,000-$49,999.99 (qualifications met) 1.25% 1.27% $0.00 **
RedWallet Saver, Min. bal $50,000-$99,999.99 (qualifications met) 2.25% 2.27% $0.00 **
RedWallet Saver (qualifications not met) 0.05% 0.05% $0.00 **
RedWallet Saver, Min. bal $100,000-$249,999.99 (qualifications met) 3.25% 3.30% $0.00 **
RedWallet Saver, Min. bal $250,000 and over (qualifications met) 4.25% 4.33% $0.00 **
*
RedWallet Cash have different yields based on whether or not the account’s monthly qualifications have been met.
**
Minimum Deposit to Open Account — not Minimum Balance to Maintain Account
Money Market (Checking) Accounts

Effective Date: Saturday, December 21, 2024

Dividend Rate APY Minimum to Open Minimum to Earn Dividends
Min. bal $0.00 – $24,999.99 0.10% 0.10% $0.00 * $2,500
Min. bal $25,000 – $49,999.99 0.20% 0.20% $0.00 * $25,000
Min. bal $50,000 – $99,999.99 0.50% 0.50% $0.00 * $50,000
Min. bal $100,000 – $249,999.99 0.60% 0.60% $0.00 * $100,000
Min. bal $250,000.00 and over 0.75% 0.75% $0.00 * $250,000
*
Minimum Deposit to Open Account — not Minimum Balance to Maintain Account
Share & IRA Certificates (Term Accounts)

Effective Date: Saturday, December 21, 2024

Dividend Rate APY Minimum to Open Minimum to Earn Dividends
6 month (not available for IRA) 3.00% 3.04% $500 * $500
8 Month (not available for IRA) 3.25% 3.30% $500 * $500
1 year 2.00% 2.02% $500 * $500
13 Month 3.50% 3.56% $500 * $500
18 month 2.10% 2.12% $500 * $500
2 year 2.30% 2.32% $500 * $500
3 year 2.40% 2.43% $500 * $500
4 year 2.50% 2.53% $500 * $500
5 year 2.60% 2.63% $500 * $500
66 Month 2.60% 2.63% $500 * $500

For Share Certificate and IRA Certificate accounts (SC), the amount of the early withdrawal penalty will be as follows on the amount withdrawn (whether earned or not): Less than 6-month SC will result in a 3-month early withdrawal penalty (90 days); 6–18 month SC will result in a 6-month early withdrawal penalty (180 days); Any SC greater than 18 months–66 months will result in a 12-month early withdrawal penalty (365 days).

Owner’s Advantage Account (OAA) Product has been discontinued as of 10/1/2011. Anyone who currently has an OAA Share or IRA Certificate of Deposit will continue to receive the additional 0.10% rate on any renewal of the existing funds. There is no additional 0.10% rate increase on any new money that is invested in a Share or IRA Certificate of Deposit.

*
Minimum Deposit to Open Account — not Minimum Balance to Maintain Account
Loan Rates

Effective Date: Saturday, December 21, 2024

Approximate Term Loan to Value APR
New Auto Up to 10 yrs. * Up To 125% as low as 5.59% 1
Used Auto Up to 10 yrs. * Up To 125% as low as 6.09% 2
New Recreational Up to 15 yrs ** Up To 110% as low as 6.64% 3
Used Recreational Up to 15 yrs ** Up To 110% as low as 7.14% 4
Used Recreational Up to 15 yrs ** 100% 3.00% above Share Rate ***
Certificate Secured Up to 15 yrs ** 100% 3.00% above Cert. Rate ***
Personal Up to 7 yrs. N/A as low as 11.00% 5
Owner’s Reserve revolving N/A 18.00%
Up to 50% Loan Secured Promo Up to 8 yrs * Up To 125% as low as 4.99% 6
Up to 50% Loan Personal Promo Up to 7 yrs N/A as low as 7.99% 7
*
Terms greater than 84 months have a minimum loan amount of $60,000 with a maximum Loan To Value of 100%
**
Terms greater than 120 months have a maximum Loan to Value of 100%
***
You may determine the current APR by reviewing the current Share/Certificate rates above and adding three percentage points.
1
Term of 24 months; estimated monthly payment of $44.37 per $1,000.00 borrowed. The APR is the Credit Union’s standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
2
Term of 24 months; estimated monthly payment of $44.60 per $1,000.00 borrowed. The APR is the Credit Union’s standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
3
Term of 24 months; estimated monthly payment of $44.74 per $1,000.00 borrowed. The APR is the Credit Union’s standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
4
Term of 24 months; estimated monthly payment of $44.96 per $1,000.00 borrowed. The APR is the Credit Union’s standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
5
Term of 24 months; estimated monthly payment of $46.62 per $1,000.00 borrowed. The APR is the Credit Union’s standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
6
Term of 24 months; estimated monthly payment of $43.87 per $1,000.00 borrowed. The APR is the Credit Union’s standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
7
Term of 24 months; estimated monthly payment of $45.23 per $1,000.00 borrowed. The APR is the Credit Union’s standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
Fixed Rate Home Equity

Effective Date: Saturday, December 21, 2024

Maximum Term Loan to Value APR
Fixed Rate Home Equity + Up to 20 yrs Up To 90% Call for details
+
Closing costs may range from $150.00 to $2,000.00.
HELOC Rates

Effective Date: Saturday, December 21, 2024

Maximum Term Loan to Value APR
Home Equity Line of Credit * + XX open end ^^ Up To 80% as low as 7.50%
Home Equity Line of Credit ** + XX open end ^^ Up To 90% as low as 8.00%
*
Home Equity Line of Credit rate is subject to change monthly on existing loans and is based on being .25% below (or .25% above for up to 90% Loan to Value) the Wall Street Journal Prime rate listed on the 15th day of the previous month. Prime Rate as of 11/8/2024 7.75%.
**
Home Equity Line of Credit rate is subject to change monthly on existing loans and is based on being .25% below (or .25% above for up to 90% Loan to Value) the Wall Street Journal Prime rate listed on the 15th day of the previous month. Prime Rate as of 11/8/24 7.75%.
^^
The number of years it will take to pay off a loan. The loan term is used to determine the payment amount, repayment schedule and total interest paid over the life of the loan. For example, a loan of $50,000 with an 8.25% APR for 15 years would have 180 monthly payment of $487.22 each and total interest paid of $37,698.21.
+
Closing costs may range from $150.00 to $2,000.00.
XX
There are no minimum, fixed, transaction or activity charges. The maximum interest rate is 18.00%
Land Loan Rates

Effective Date: Saturday, December 21, 2024

Maximum Term Loan to Value APR
Land Only Loan + Up to 15 yrs Up to 80% Call for details
+
Closing costs may range from $2000.00 to $5,000.00.