Rates

Livestock Rates
Credit Score APR*

3 years or less

APR*

4 years or more

750+ 4.50% 4.75%
749-700 5.00% 5.25%
699-650 5.75% 6.49%
649-600 7.50% 8.25%
599 & Under 8.50% 9.00%
Loan Fees: $100.00

*Annual Percentage Rate

Operating Loan
Credit Score APR*

Monthly Payment

APR*

Annual Payment

750+ 5.00% 5.50%
749-700 5.50% 6.00%
699-650 6.00% 6.49%
649-600 8.00% 8.25%
599 & Under 9.00% 9.49%
Loan Fees: $100.00

*Annual Percentage Rate

01/20/2021

Real Estate Rates

Mortgage Loans 

Loan Fee: Fees per CU Mortgage Direct Inc

Home Mortgage 
 Credit Score   APR*
750+ 3.50%
749-700 4.50%
699-675 6.50%

Land Real Estate Rate 4%

Business Loan Rate 4.75%

Ready Reserve Rate 15%

01/18/2019

Signature Loans
Under $1,500 APR*: 13.00%
Under $2,500 APR*: 11.50%
Anything over $2,501 APR*: 10.00%
Loan Fees: $50.00

*Annual Percentage Rate

*Rewrite loans
Rewrite Loans – $50.00 (interest paid to date of rewrite)
Back to School/Christmas Loan
Annual Percentage Rate 4.75%
Maximum Loan $2,500.00
Maximum Term 12 Months
Loan Fees: $50.00
Debt Consolidation Loan:
Loan Fee: $50
Maximum Term: 24 Months

Annual Percentage Rate:

5.00%

Borrower must have a credit score of 700+, the loan requires collateral to secure the note or a cosigner with a 750+ credit score.

Equipment/Machinery Rates:
Credit Score APR*

3 years or less

APR*

4 years or more

750+ 3.49% 4.49%
749-700 4.00% 4.75%
699-650 4.75% 5.49%
649-600 7.50% 8.00%
599 & Under 8.50% 9.00%
Loan Fees: $100.00
May need co-signer

*Annual Percentage Rate

 

Auto/Recreational Vehicle/Camper Rates

Loan Terms:

– 2019 or newer with a credit score of 700 or above can be financed for as long as 84 months.

– 2019 or newer with a credit score below 700 can finance as long as 72 months.

-2018 or older the maximum financing terms are 60 months.

 
Credit Score APR*

New Auto (2019 & Newer)

APR*

Used Auto (2018-2014)

APR*

Used Auto (2013 & Older)

750+ 2.75% 2.95% 3.75%
749-700 3.25% 3.50% 4.25%
699-650 6.00% 6.25 % 6.99%
649-600 8.00% 8.50% 8.99%
599 & Under 9.25% 9.75% 9.99%
Loan Fees: $50.00  
Manager has right of say over all printed material.  
May need co-signer

*Annual Percentage Rate

Approved by the Board of Directors on October 20, 2021.

 
*Loan Specials –

** If you have an existing auto loan with another lender, we will give you 1% off your current loan rate.

Special restrictions apply: debit ratio must be 50% or less, credit score must be above 700, proof of current rate must be provided, and new loan rate cannot go below 2.25%. Loan fee will be waived.

**Auto/Recreational Vehicle/Camper loans on a vehicle/ camper that is a 2019 or newer, member must have a credit score of 750+, will finance for up to 60 months, will receive a rate of 2.1% APR.

Share Term Certificates
6 months Dividend APY*
$1,000.00 0.25% 0.25%
1 year
$1,000.00 0.35% 0.35%
Dividends will not be compounded and will be paid upon maturity.
2 year
$1,000 0.50% 0.51%
Dividends will not be compounded. You may choose to have dividends paid to you or to another account annually.
3 year
$1,000.00 0.75% 0.76%
Dividends paid on maturity for 6 months to 3 years
Jumbo Certificates
Dividends will not be compounded
*Annual percentage yield. APY’s accurate as of November 19, 2020. Rates subject to change. Fees may reduce earnings on account. Penalty will or may be imposed for early withdrawal. Restrictions may apply. Insured by NCUA.
Shares:
Dividend Rate APY
Share Draft Account(Minimum of $5,000) 0.10% 0.101%
Share Savings 0.20% 0.201%
Youth Savers (peewee penguin) 0.50% 0.501%
Christmas Club 0.50% 0.501%
IRA’S 1.750% 1.762%

Approved by the Board of Directors on July 15, 2020.