APY = Annual Percentage Yield. Rates effective as of January 1, 2017. Fees may reduce earnings. Rates are subject to change without notice

Personal Term Share Certificates See Details

Term Share CertificatesDividend RateAPYRate TypeMinimum BalanceCompounded/Paid
90 Day 0.30% 0.30% Fixed $1,000 Monthly
6 Month 0.40% 0.40% Fixed $1,000 Monthly
9 Month 0.45% 0.45% Fixed $1,000 Monthly
12 Month 0.55% 0.55% Fixed $1,000 Monthly
18 Month 0.65% 0.65% Fixed $1,000 Monthly
24 Month 1.00% 1.00% Fixed $1,000 Monthly
36 Month 1.35% 1.36% Fixed $1,000 Monthly
48 Month 1.70% 1.71% Fixed $1,000 Monthly
60 Month 2.00% 2.02% Fixed $1,000 Monthly

Penalty for early withdrawal. Minimum Balance is required to open Term Share Certificate and earn dividend and APY.

Personal Individual Retirement Accounts See Details

Individual Retirement AccountsMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Share/Savings $50 0.20% 0.20% Variable Quarterly
12 Month $500 0.55% 0.55% Fixed Quarterly
24 Month $500 1.00% 1.00% Fixed Quarterly
36 Month $500 1.35% 1.36% Fixed Quarterly
48 Month $500 1.70% 1.71% Fixed Quarterly
60 Month $500 2.00% 2.02% Fixed Quarterly

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. Minimum Balance is required to open IRA and earn dividend and APY. IRA Accounts are subject to a penalty for early withdrawal.

Personal Checking and Savings

ProductMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Elite Checking $750 0.10% 0.10% Variable Monthly
Regular Share / Savings $100 0.15% 0.15% Variable Quarterly
Buddy Bee Savings $25 0.20% 0.20% Variable Quarterly
Youth Savings $25 0.20% 0.20% Variable Quarterly
Student Savings $25 0.20% 0.20% Variable Quarterly
Christmas Club Account (Max. Acct. Balance: $20,000) $10 0.20% 0.20% Variable Monthly
Vacation Club Account (Max. Acct. Balance: $20,000) $5 0.20% 0.20% Variable Quarterly
EDUSHARE® $50 0.35% 0.35% Variable Quarterly

Money Market Account See Details

ProductMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Money Market Account Tier # 1  $2,500 0.25% 0.25% Variable Monthly
Money Market Account Tier # 2 $10,000 - $24,999.99 0.30% 0.30% Variable Monthly
Money Market Account Tier # 3 $25,000 - $99,999.99 0.30% 0.30% Variable Monthly
Money Market Account Tier # 4 $100,000 and up 0.35% 0.35% Variable Monthly

Personal Money Market Plus Account See Details

ProductMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Money Market Account Tier #1 (if MMA Plus
balance falls below $25,000 minimum)
$2,500 0.25% 0.25% Variable Monthly
Money Market Plus Tier #1 $25,000 - $49,999.99 0.30% 0.30% Variable Monthly
Money Market Plus Tier #2 $50,000 - $99,999.99 0.35% 0.35% Variable Monthly
Money Market Plus Tier #3 $100,000 and up 0.40% 0.40% Variable Monthly

Personal Loans

Loan TypeRate (APR* as low as)
Quarterly adjustable HELOC 3.75%
Annual adjustable HELOC 4.25%
3-year Re-price HELOC 4.99%
Adoption Loan - Traditional 6.99%
Adoption Loan - 72 Months 9.90%
Adoption Loan - 84 months 10.90%
Adoption Grant Visa 11.40%
Platinum Visa 10.90%
Platinum Rewards Visa 11.40%
Auto 1.99%
Travel trailer, motor home, van conversion, watercraft, motorcycle 6.99%
Savings Secured 3% above savings rate
Term Share Certificate 3% above certificate rate
Signature (up to 36 months) 8.75%
Signature (over 36 months) 9.50%
Overdraft/Line of Credit 9.75%
Private Student Loans 3.50%

** APR = Annual Percentage Rate

For a $10,000 Car Loan with a 72 month term at 1.99% APY, the monthly payment will be $147.46.

For a $20,000 Adoption Loan with a 5 year term at 8.90% APY, the monthly payment will be $415.00.

For a $10,000 Personal Loan with a 5 year term at 11.50% APY, the monthly payment will be $220.00.

For a $50,000 Home Equity Line of Credit, quarterly adjustable, with 80% Loan to Value at 4.75% APY, the monthly payment will be $285.06.

Ministry Checking and Savings

ProductMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Regular Share / Savings $100 0.15% 0.15% Variable Quarterly
Share Draft/Checking $1,500 0.10% 0.10% Variable Monthly

Ministry Term Share Certificates See Details

Term Share CertificatesMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
90 Day $1,000 0.30% 0.30% Fixed Monthly
6 Month $1,000 0.40% 0.40% Fixed Monthly
9 Month $1,000 0.45% 0.45% Fixed Monthly
12 Month $1,000 0.55% 0.55% Fixed Monthly
18 Month $1,000 0.65% 0.65% Fixed Monthly
24 Month $1,000 1.00% 1.00% Fixed Monthly
36 Month $1,000 1.35% 1.36% Fixed Monthly
48 Month $1,000 1.70% 1.71% Fixed Monthly
60 Month $1,000 2.00% 2.02% Fixed Monthly

Penalty for early withdrawal.

Ministry Money Market Account See Details

ProductMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Money Market Account Tier #1  $2,500 - $9,999.99 0.25% 0.25% Variable Monthly
Money Market Account Tier #2  $10,000 - $24,999.99 0.30% 0.30% Variable Monthly
Money Market Account Tier #3 $25,000 - $99,999.99 0.30% 0.30% Variable Monthly
Money Market Account Tier #4  $100,000 and up 0.40% 0.40% Variable Monthly

Ministry Money Market Plus Account See Details

ProductMinimum Balance*Dividend RateAPYRate TypeCompounded/Paid
Money Market Account Tier #1 (if MMA Plus balance falls below $25,000 minimum) $2,500 0.25% 0.25% Variable Monthly
Money Market Plus Tier #1 $25,000 - $49,999.99 0.30% 0.30% Variable Monthly
Money Market Plus Tier #2 $50,000 - $99,999.99 0.35% 0.35% Variable Monthly
Money Market Plus Tier #3 $100,000 and up 0.40% 0.40% Variable Monthly

*If balance falls below $25,000, the rate drops to the MMA tier 1 rate and $10 monthly service fee

Business Term Share Certificates See Details

Term Share CertificatesMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
90 Day $1,000 0.30% 0.30% Fixed Monthly
6 Month $1,000 0.40% 0.40% Fixed Monthly
9 Month $1,000 0.45% 0.45% Fixed Monthly
12 Month $1,000 0.55% 0.55% Fixed Monthly
18 Month $1,000 0.65% 0.65% Fixed Monthly
24 Month $1,000 1.00% 1.00% Fixed Monthly
36 Month $1,000 1.35% 1.36% Fixed Monthly
48 Month $1,000 1.70% 1.71% Fixed Monthly
60 Month $1,000 2.00% 2.02% Fixed Monthly

Penalty for early withdrawal.

Business Checking and Savings

ProductMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
Regular Share / Savings $100 0.15% 0.15% Variable Quarterly
Share Draft/Checking $1,500 0.10% 0.10% Variable Monthly

Business Money Market Account See Details

ProductMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Money Market Account Tier #1 $2,500 - $9,999.99 0.25% 0.25% Variable Monthly
Money Market Account Tier #2 $10,000 - $24,999.99 0.30% 0.30% Variable Monthly
Money Market Account Tier #3 $25,000 - $99,999.99 0.30% 0.30% Variable Monthly
Money Market Account Tier #4 $100,000 and up 0.35% 0.35% Variable Monthly

Business Money Market Plus Account See Details

ProductMinimum Balance*Dividend RateAPYRate TypeCompounded/Paid
Money Market Account Tier #1 (if MMA Plus balance falls below $25,000 minimum) $2,500 0.25% 0.25% Variable Monthly
Money Market Plus Tier #1 $25,000 - $49,999.99 0.30% 0.30% Variable Monthly
Money Market Plus Tier #2 $50,000 - $99,999.99 0.35% 0.35% Variable Monthly
Money Market Plus Tier #3 $100,000 and up 0.40% 0.40% Variable Monthly

*If balance falls below $25,000, the rate drops to the MMA tier 1 rate and $10 monthly service fee