Current Rates/APY* effective as of April 1, 2017

Savings Accounts

Account TypeMinimum BalanceDividend RateAPY*
Savings Account $250 to earn dividends
$5 to maintain
0.10% 0.10%
Unlimited Auxiliary Savings $250 to earn dividends 0.10% 0.10%
Limited Auxiliary Savings $100 to earn dividends 0.10% 0.10%
Individual Retirement Accounts (IRAs) $250 to earn dividends 0.25% 0.25%
Coverdell Education Savings Account $250 to earn dividends 0.25% 0.25%
Rocky Raccoon Savings $25 to earn dividends
$5 to maintain
0.10% 0.10%

*Annual Percentage Yield

Checking Accounts

Account TypeMinimum BalanceDividend RateAPY*
DIRECT Checking $0.00 0.10% 0.10%

*Annual Percentage Yield

Money Market Accounts See Product Details

Minimum BalanceDividend RateAPY*
$2,500.00 0.20% 0.20%
$10,000.00 0.35% 0.35%
$20,000.00 0.35% 0.35%
$35,000.00 0.35% 0.35%
$50,000.00 0.50% 0.50%
$75,000.00 0.50% 0.50%

*Annual Percentage Yield

Truth-in-Savings Disclosure:

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.

1. RATE INFORMATION  The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Savings, Unlimited Auxiliary Savings, Limited Auxiliary Savings, IRA Savings, Escrow Savings, Youth Savings, DIRECT Checking, and Money Market accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. The Savings and Escrow Savings accounts are tiered rate accounts. If your daily balance is from $0.00 to $2,499.99, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply. If your daily balance is $2,500.00 or greater, the second dividend rate and annual percentage yield listed for this account will apply. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. The Money Market account is a tiered rate account. If your daily balance is from $2,500.00 to $9,999.99, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply. If your daily balance is from $10,000.00 to $19,999.99, the second dividend rate and annual percentage yield listed for this account will apply. If your daily balance is from $20,000.00 to $34,999.99, the third dividend rate and annual percentage yield listed for this account will apply. If your daily balance is from $35,000.00 to $49,999.99, the fourth dividend rate and annual percentage yield listed for this account will apply. If your daily balance is from $50,000.00 to $74,999.99, the fifth dividend rate and annual percentage yield listed for this account will apply. If your daily balance is $75,000.00 or greater, the sixth dividend rate and annual percentage yield listed for this account will apply. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.

2. NATURE OF DIVIDENDS — Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

3. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

4. ACCRUAL OF DIVIDENDS — For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, you will not receive the accrued dividends. 

5. BALANCE INFORMATION — To open any account, you must deposit or already have on deposit at least the par value of one (1) full share in a Savings account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are stated in the Rate Schedule. For IRA Savings accounts, your account will be subject to closure if your balance falls below the stated required minimum balance of $250.00. For Savings and Money Market accounts, there is a minimum daily balance required to avoid a service fee for the dividend period. If the minimum daily balance is not met during each day of the dividend period, there will be a service fee as stated in the Fee Schedule. For DIRECT Checking accounts, you must meet one (1) of the following minimum requirements to avoid a service fee and earn the annual percentage yield disclosed for the dividend period: a) you have $1,000.00 in direct deposits/payroll deductions during the month and receive e-statements; b) you have month-end balances of $2,500.00 in total share accounts and receive e- statements; c) you have $1,000.00 in direct deposits/payroll deductions and have month-end balances of $2,500.00 in total share accounts; d) you have $1,000.00 in direct deposits/payroll deductions during the month and have month-end balances of $2,500.00 in total loan accounts; e) you have month-end balances of $2,500.00 in total loan accounts and receive e-statements; OR f) you are 22 years of age or under. If you do not meet one (1) of these minimum requirements, you will be charged a service fee and will not earn dividends for the dividend period. For Savings, Unlimited Auxiliary Savings, Limited Auxiliary Savings, IRA Savings, Escrow Savings, Youth Savings, and Money Market accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance is not met each day of the dividend period, you will not earn the stated annual percentage yield. For accounts using the daily balance method as stated on the Rate Schedule, dividends are calculated by applying a daily periodic rate to the balance in the account each day.

6. ACCOUNT LIMITATIONS — For Savings, Unlimited Auxiliary Savings, IRA Savings, Escrow Savings, and Money Market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Limited Auxiliary Savings accounts, you may not make any preauthorized, automatic or telephone transfers from your account at any time. For Limited Auxiliary Savings accounts, you will be charged a fee as disclosed in the Fee Schedule for each withdrawal in excess of one (1) per month. For Escrow Savings accounts, you may not make withdrawals from your account. The Credit Union will make all withdrawals on your behalf for payment of taxes and insurance. For IRA Savings accounts, if your balance is less than $1,000.00, you will be charged a yearly maintenance fee, as disclosed in the Fee Schedule. For DIRECT Checking accounts, no account limitations apply.

7. FEES FOR OVERDRAWING ACCOUNTS — Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.

For ATM and one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges.

8. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below.

  • Par Value of One Share: $5.00
  • Number of Shares Required: 1

The rates and fees appearing with this Schedule are accurate and effective for the accounts as of the last dividend declaration date indicated on this Truth-in- Savings Disclosure. If you have any questions or require current rate and fee information on your account, please call the Credit Union.

Share Certificates See Product Details

Certificate LengthTierDividend RateAPY*
12 Months $1,000 - $49,999.99 0.60% 0.60%
12 Months $50,000 + 0.60% 0.60%
24 Months $1,000 - $49,999.99 1.13% 1.14%
24 Months $50,000 + 1.13% 1.14%
36 Months $1,000 - $49,999.99 1.33% 1.34%
36 Months $50,000 + 1.33% 1.34%
48 Months $1,000 - $49,999.99 1.53% 1.54%
48 Months $50,000 + 1.53% 1.54%
60 Months $1,000 - $49,999.99 1.73% 1.74%
60 Months $50,000 + 1.73% 1.74%

*Annual Percentage Yield

Truth-in-Savings Disclosure:

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.

1. RATE INFORMATION — The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Term Share Certificate and IRA Share Certificate accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the annual percentage yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

2. DIVIDEND PERIOD — For each account, the dividend period is the account’s term. The dividend period begins on the first day of the term and ends on the maturity date.

3. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends are stated in the Rate Schedule. At your option, you may chose to have dividends credited to you certificate account, transferred to another account or paid to you by check.

4. BALANCE INFORMATION — The minimum balance requirements applicable to each account are set forth in the Rate Schedule. To open any account, you must deposit or already have on deposit at least the par value of one (1) full share in a Savings account. Some accounts may have additional minimum opening deposit requirements. For all accounts, dividends are calculated by the daily balance method, which applies a periodic rate to the balance in the account each day.

5. ACCRUAL OF DIVIDENDS — For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.

6. TRANSACTION LIMITATIONS — For Term Share Certificate and IRA Share Certificate accounts, after your account is opened you may make withdrawals subject to the early withdrawal penalties stated below.

7. MATURITY — Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice. 

8. EARLY WITHDRAWAL PENALTY — We may impose a penalty if you withdraw from your account before the maturity date.

a. Amount of Penalty. For Term Share Certificate and IRA Share Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:

  • Terms of 1 year: 180 days’ dividends on amounts withdrawn
  • Terms of 2 years: 270 days’ dividends on amounts withdrawn
  • Terms of 3 years: 365 days’ dividends on amounts withdrawn
  • Terms of 4 years: 455 days’ dividends on amounts withdrawn
  • Terms of 5 years: 545 days’ dividends on amounts withdrawn

b. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

c. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.

9. RENEWAL POLICY — The renewal policy for your account is indicated in the Rate Schedule. For that automatically renew, you have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. For accounts that do not automatically renew, you will not be paid dividends on the account after the maturity date. Upon maturity, the account balance will be paid to you by check or will be transferred to another account of yours.

10. NONTRANSFERABLE/NONNEGOTIABLE — Your account is nontransferable and nonnegotiable.

11. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below.

  • Par Value of One Share: $5.00
  • Number of Shares Required: 1

The rates and fees appearing with this Schedule are accurate and effective for accounts as of the effective date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

Unsecured Loans See Product Details

TermAPR** (as low as)
24 months 5.95%
48 months 7.95%
72 months 9.95%

**Annual Percentage Rate

New/Used Auto Loans See Product Details

TermAPR** (as low as)
24 Months 1.24%
36 Months 1.49%
48 Months 1.74%
60 Months 1.99%
72 Months 2.24%
84 Months 2.49%

**Annual Percentage Rate

Boat & Recreational Vehicle Loans See Product Details

TermAPR** (as low as)
24 Months 3.24%
36 Months 3.49%
48 Months 3.74%
60 Months 3.99%
72 Months 4.24%
84 Months 4.49%

**Annual Percentage Rate

Longer terms are available. Ask us for a rate quote.

Personal Line of Credit

TermsConditions
Annual Fee None
Late Payment Up to $20.00
Cash Advance Fee none
(the $2 overdraft protection transfer fee does apply)
Min. Credit Line $500
Max. Credit Line $30,000
APR* (as low as/variable rate) 7.00%

* Annual Percentage Rate

Minimum payment is 5% of the month-end balance with a minimum of $50

Visa Credit Cards See Product Details

TermsVISA Platinum/Perks
Annual Fee None
Grace Period* 25 days
Late Payment Up to $20.00
Cash Advance Fee $0
Min. Limit $500
Max. Limit $30,000
Reward Program yes
APR** for Purchases (as low as/variable rate) 7.50%
Cash Advance APR** (as low as/variable rate) 9.50%

*There is no grace period for cash advances or on balance transfers.

**Annual Percentage Rate

Home Equity Line of Credit (variable rate) See Product Details

LengthLTVAPR** (as low as)
10* Years 80.00% 4.00%

*10 Year Draw/Maturity

**Annual Percentage Rate

Home Equity Loans See Product Details

LengthLTVAPR** (as low as)
10 Years 70.00% 4.00%
10 Years 85.00% 5.00%

**Annual Percentage Rate

Loan Disclaimer:

Loans are granted on approval of credit. Interest rates are based on credit rating and your rate may be different. Rates quoted assumes discount for automated payments via payroll deduction or transfer. No other discounts apply. Rate is based on term, age of collateral, and loan to value. Variable rate products subject to rate change after account is opened. Rates are subject to change at anytime. All loan rates are based on Annual Percentage Rate (APR). Equity Take Outs: We will finance up to 80% of NADA Retail Value.

Savings & Investment Disclaimer:

Rates are subject to change at anytime. All deposit rates are based on Annual Percentage Yield (APY). Fees may reduce earnings. Penalties may be imposed if funds are withdrawn prior to maturity date.