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Rates & Fees

Current Rates

 Fee Schedule | Calculators | Applications

SHARE/SHARE DRAFT SAVINGS RATES
     
Type of Account APR* APY*
Share Savings and Sub-shares Dividend Rate    

    (Balances equal to or in excess of $100.00)

0.75% 0.75%
IRA and Coverdell ESA Shares    
    (Balances equal to or in excess of $100.00)  1.25% 1.26% 
Money Market Share Account Tier Rates
    (Minimum of $2,500.00 Deposit)
   
$2,500.00 to $10,000.00 0.80% 0.80%
$10,000.01 to $25,000.00 0.80% 0.80%
$25,000.01 to $50,000.00 0.85% 0.85%
$50,000.01 TO $100,000.00 0.95% 0.95%
OVER $100,000.00

1.10%

1.11%

Share Certificates of Deposit   (Minimum of $1000  Deposit)

   
     6 Month Certificate       
$1000.00 to $9,999.99 0.80% 0.80%
$10,000.00 to $24,999.99 0.90% 0.90%
$25,000.00 to $49,999.99 0.90% 0.90%
$50,000.00 to $99,999.99 0.90% 0.90%
$100,000.00 and over 0.95%

0.95%

    12 Month Certificate       
$1000.00 to $9,999.99 1.00% 1.01%
$10,000.00 to $24,999.99 1.10% 1.11%
$25,000.00 to $49,999.99 1.10% 1.11%
$50,000.00 to $99,999.99 1.10% 1.11%
$100,000.00 and over 1.15% 1.16%
   24 Month Certificate         
$1000.00 to $9,999.99 1.60% 1.61%
$10,000.00 to $24,999.99 1.65% 1.66%
$25,000.00 to $49,999.99 1.65% 1.66%
$50,000.00 to $99,999.99 1.65% 1.66%
$100,000.00 and over 1.70%

1.71%

   36 Month Certificate         
$1000.00 to $9,999.99 2.05% 2.07%
$10,000.00 to $24,999.99 2.15% 2.17%
$25,000.00 to $49,999.99 2.15% 2.17%
$50,000.00 to $99,999.99 2.15% 2.17%
$100,000.00 and over 2.20% 2.22%
    48 Month Certificate    
$1000.00 to $9,999.99 2.25% 2.27%
$10,000.00 to $24,999.99 2.35% 2.38%
$25,000.00 to $49,999.99

2.35%

2.38%
$50,000.00 to $99,999.99 2.35% 2.38%
$100,000.00 and over 2.35% 2.38%
    60 Month Certificate     
$1000.00 to $9,999.99 2.40% 2.43%
$10,000.00 to $24,999.99 2.45% 2.48%
$25,000.00 to $49,999.99 2.45% 2.48%
$50,000.00 to $99,999.99 2.45% 2.48%
$100,000.00 and over 2.50%

2.53%

IRA and ESA Certificates of Deposit -(Minimum of $1000  Deposit)

   

    1 Year IRA or ESA Certificate

   

$1,000.00 to $9,999.99 

1.00%  1.01%

$10,000.00 to $24,999.99 

1.10%  1.11%

$25,000.00 to $49,999.99 

1.10%  1.11%

$50,000.00 to $99,999.99 

1.10%  1.11% 

$100,000.00 and over 

1.15%

1.16%

   2 Year IRA or ESA Certificate    

   

$1,000.00 to $9,999.99 

1.60%

1.61% 

$10,000.00 to $24,999.99 

1.65% 1.66% 

$25,000.00 to $49,999.99

 1.65% 1.66% 

$50,000.00 to $99,999.99 

1.65% 1.66% 

$100,000.00 and over 

 1.70%

1.71%

   3 Year IRA or ESA Certificate

   

$1,000.00 to $9,999.99 

2.05% 2.07%

$10,000.00 to $24,999.99 

2.15% 2.17%

$25,000.00 to $49,999.99 

2.15%  2.17%

$50,000.00 to $99,999.99 

2.15% 2.17%

$100,000.00 and over 

 2.20% 2.22%

   4 Year IRA or ESA Certificate

   

$1,000.00 to $9,999.99 

2.25%  2.27%

$10,000.00 to $24,999.99 

 2.35% 2.38%

$25,000.00 to $49,999.99 

2.35% 2.38%

$50,000.00 to $99,999.99 

2.35% 2.38%

$100,000.00 and over 

 2.35% 2.38%

   5  Year IRA or ESA Certificate

   

$1,000.00 to $9,999.99 

2.40% 2.43% 

$10,000.00 to $24,999.99 

2.45% 2.48% 

$25,000.00 to $49,999.99 

2.45% 2.48% 

$50,000.00 to $99,999.99 

 2.45% 2.48% 

$100,000.00 and over 

 2.50% 2.53% 

Youth Mini-Certificates (age 17 & under)

   

$250-$1,000 for 12 months

 1.00% 1.01%

$250-$1,000 for 24 months

 1.40%  1.41%
     

Share Draft (Checking) Tier Rates

   

      Average Daily Balance

   

0 to $999.99

0.00% 0.00%

$1,000.00 to $9,999.99

0.25% 0.25%

$10,000.00 to $49,999.99

0.55% 0.55%

Over $50,000.00

0.65% 0.65%

Rates are effective 01/01/2012.  Rates are subject to change without notice, Contact the Credit Union at 515-243-2677 for current rates, if applicable.

*APR = Annual Percentage Rate
*APY = Annual Percentage Yield

LOAN RATES

     

Type of Collateral

Maximum Term

Rate (APR*)

Vehicle Loans (All titled collateral are Vehicle Loans)

   
New Vehicles 2012/2011

60

2.99%

     
Used Vehicles 2011/2010/2009/2008

36

3.29%

                                                                

48

3.29%

 

60

3.29%

 

 72

 4.99%

     
Used Vehicles 2007/2006

24

4.99%

 

36

4.99%

 

48

4.99%

 

60

4.99%

   

 

Used Vehicles 2005 and Older

36

6.29%

 

48

7.29%

   

 

Personal Loans 

   
Share Secured Loans ($1000 minimum)

36

     rate + 2%**

Certificate Secured Loans  term of certificate

 rate + 2%

Unsecured Loans (Closed End)

36

10.90%

Unsecured Loans (Open End) Easy Access Line  

 10.90%

     

Real Estate Loans 

   
Home Equity Plus (Open End) (For New Lines of Credit Effective thru 04-01-2010)

180

5.00%

Home Equity (Closed End)

Up to 60

4.49%

 

72

5.45%

 

84

6.75%

 

120

 7.75%

   

 

First Mortgage Loans (Up to 80% Loan to Value)

120

4.49%

 

180 

4.99% 

     

Credit Cards 

   
MasterCard  

10.90%

     

Loan Rates are Effective as of 11/01/2011.  Rates are subject to change without notice, Contact the Credit Union at 515-243-2677 for current rates, if applicable.   **Minimum APR of 4.00%

*APR = Annual Percentage Rate

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