Rates
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Term Share Certificates
| Term Share Certificates | Dividend Rate | APY* | Rate Type | Minimum Balance | Compounded/Paid |
|---|---|---|---|---|---|
| 90 Day | 0.25% | 0.25% | Fixed | $1,000 | M |
| 6 Month | 0.35% | 0.35% | F | $1,000 | M |
| 9 Month | 0.40% | 0.40% | F | $1,000 | M |
| 12 Month | 0.50% | 0.50% | F | $1,000 | M |
| 18 Month | 0.55% | 0.55% | F | $1,000 | M |
| 24 Month | 0.85% | 0.85% | F | $1,000 | M |
| 36 Month | 1.00% | 1.00% | F | $1,000 | M |
| 48 Month | 1.20% | 1.21% | F | $1,000 | M |
| 60 Month | 1.60% | 1.61% | F | $1,000 | M |
Rates effective as of May 15, 2012.
* APY = Annual Percentage Yield
Individual Retirement Accounts1
| Individual Retirement Accounts | Minimum Balance | Dividend Rate | APY* | Rate Type | Compounded/Paid |
|---|---|---|---|---|---|
| Share/Savings | $50 | 0.25% | 0.25% | V | Q |
| 12 Month | $500 | 0.50% | 0.50% | V | Q |
| 24 Month | $500 | 0.85% | 0.85% | V | Q |
| 36 Month | $500 | 1.00% | 1.00% | V | Q |
| 48 Month | $500 | 1.20% | 1.21% | V | Q |
| 60 Month | $500 | 1.60% | 1.61% | V | Q |
Rates effective as of May 15, 2012.
* APY = Annual Percentage Yield
1. IRA deposits are insured separately from other deposits to $250,000 by the NCUSIF and to $200,000 by ASI. That means your IRA investment is insured up to a combined total of $450,000. IRA Accounts are subject to a penalty for early withdrawal.
Personal Checking and Savings
| Product | Minimum Balance | Dividend Rate | APY* | Rate Type | Compounded/Paid |
|---|---|---|---|---|---|
| Elite Checking | $750 | 0.10% | 0.10% | Variable | M |
| Regular Share / Savings | $100 | 0.20% | 0.20% | V | Q |
| Student Savings | $25 | 0.20% | 0.20% | V | Q |
| Money Market Account | $2,500 | 0.25% | 0.25% | V | M |
| $10,000 - $24,999.99 | 0.30% | 0.30% | V | M | |
| $25,000 - $99,999.99 | 0.35% | 0.35% | V | M | |
| $100,000 and up | 0.50% | 0.50% | V | M | |
| Money Market Plus Account2 | $25,000 - $49,999.99 | 0.35% | 0.35% | V | M |
| $50,000 - $99,999.99 | 0.40% | 0.40% | V | M | |
| $100,000 and up | 0.50% | 0.50% | V | M | |
| Christmas Club Account (Max. Acct. Balance: $20,000) | $10 | 0.20% | 0.20% | V | M |
| Buddy Bee Savings | $25 | 0.20% | 0.20% | V | Q |
| Vacation Club Account (Max. Acct. Balance: $20,000) | $5 | 0.20% | 0.20% | V | Q |
| EDUSHARE® | $50 | 0.90% | 0.90% | V | Q |
Rates effective as of May 1, 2012.
* APY = Annual Percentage Yield
2. If balance falls below $25,000, the rate drops to the MMA tier 1 rate and $10 monthly fee
Personal Loans
| Loan Type | Rate (APR** as low as) |
|---|---|
| 1st Trust Deed, 30 yr fixed | 3.750% |
| 1st Trust Deed, 20 yr fixed | 3.500% |
| 1st Trust Deed, 15 yr fixed | 3.000% |
| 1st Trust Deed, 10 yr fixed | 2.875% |
| 1st Trust Deed, 30 yr high balance loan | 4.000% |
| 1st Trust Deed, 15 yr high balance loan | 3.375% |
| Fixed Rate Equity | 8.75% |
| Quarterly adjustable HELOC | 4.75% |
| Annual adjustable HELOC | 5.25% |
| 3-year Re-price HELOC | 6.00% |
| Adoption Loan - Traditional | 8.65% |
| Adoption Loan - Home Equity Option, 5 yr term | 4.50% |
| Adoption Loan - Home Equity Option, 10 yr term | 5.50% |
| Adoption Loan - Home Equity Option, 15 yr term | 6.00% |
| Auto | 2.99% |
| Travel trailer, motor home, van conversion, watercraft, motorcycle | 5.45% |
| Savings Secured | 3.20% |
| Term Share Certificate | 3% above certificate rate |
| Computer Loan | 8.90% |
| Signature (up to 36 months) | 8.75% |
| Signature (over 36 months) | 11.00% |
| Overdraft L75 | 10.25% |
| Loanliner L78 | 10.25% |
* APY = Annual Percentage Yield
** APR = Annual Percentage Rate
Ministry Term Share Certificates
| Term Share Certificates | Minimum Balance | Dividend Rate | APY* | Rate Type | Compounded/Paid |
|---|---|---|---|---|---|
| 90 Day | $1,000 | 0.25% | 0.25% | Fixed | M |
| 6 Month | $1,000 | 0.35% | 0.35% | F | M |
| 9 Month | $1,000 | 0.40% | 0.40% | F | M |
| 12 Month | $1,000 | 0.50% | 0.50% | F | M |
| 18 Month | $1,000 | 0.55% | 0.55% | F | M |
| 24 Month | $1,000 | 0.85% | 0.85% | F | M |
| 36 Month | $1,000 | 1.00% | 1.00% | F | M |
| 48 Month | $1,000 | 1.20% | 1.21% | F | M |
| 60 Month | $1,000 | 1.60% | 1.61% | F | M |
Rates effective as of May 15, 2012.
* APY = Annual Percentage Yield
Ministry Checking and Savings
| Product | Minimum Balance | Dividend Rate | APY* | Rate Type | Compounded/Paid |
|---|---|---|---|---|---|
| Regular Share / Savings | $100 | 0.20% | 0.20% | V | Q |
| Share Draft/Checking | $1,500 | 0.10% | 0.10% | V | M |
| Money Market Account | $2,500 - $9,999.99 | 0.25% | 0.25% | V | M |
| $10,000 - $24,999.99 | 0.30% | 0.30% | V | M | |
| $25,000 - $99,999.99 | 0.35% | 0.35% | V | M | |
| $100,000 and up | 0.50% | 0.50% | V | M | |
| Money Market Plus Account2 | $25,000 - $49,999.99 | 0.35% | 0.35% | V | M |
| $50,000 - $99,999.99 | 0.40% | 0.40% | V | M | |
| $100,000 and up | 0.50% | 0.50% | V | M |
Rates effective as of May 1, 2012.
* APY = Annual Percentage Yield
2. If balance falls below $25,000, the rate drops to the MMA tier 1 rate and $10 monthly fee
Business Term Share Certificates
| Term Share Certificates | Minimum Balance | Dividend Rate | APY* | Rate Type | Compounded/Paid |
|---|---|---|---|---|---|
| 90 Day | $1,000 | 0.25% | 0.25% | Fixed | M |
| 6 Month | $1,000 | 0.35% | 0.35% | F | M |
| 9 Month | $1,000 | 0.40% | 0.40% | F | M |
| 12 Month | $1,000 | 0.50% | 0.50% | F | M |
| 18 Month | $1,000 | 0.55% | 0.55% | F | M |
| 24 Month | $1,000 | 0.85% | 0.85% | F | M |
| 36 Month | $1,000 | 1.00% | 1.00% | F | M |
| 48 Month | $1,000 | 1.20% | 1.21% | F | M |
| 60 Month | $1,000 | 1.60% | 1.61% | F | M |
Rates effective as of May 15, 2012.
* APY = Annual Percentage Yield
Business Checking and Savings
| Product | Minimum Balance | Dividend Rate | APY* | Rate Type | Compounded/Paid |
|---|---|---|---|---|---|
| Regular Share / Savings | $100 | 0.20% | 0.20% | V | Q |
| Share Draft/Checking | $1,500 | 0.10% | 0.10% | V | M |
| Money Market Account | $2,500 - $9,999.99 | 0.25% | 0.25% | V | M |
| $10,000 - $24,999.99 | 0.30% | 0.30% | V | M | |
| $25,000 - $99,999.99 | 0.35% | 0.35% | V | M | |
| $100,000 and up | 0.50% | 0.50% | V | M | |
| Money Market Plus Account 2 | $25,000 - $49,999.99 | 0.35% | 0.35% | V | M |
| $50,000 - $99,999.99 | 0.40% | 0.40% | V | M | |
| $100,000 and up | 0.50% | 0.50% | V | M |
Rates effective as of May 1, 2012.
* APY = Annual Percentage Yield
2. If balance falls below $25,000, the rate drops to the MMA tier 1 rate and $10 monthly fee
