Rates

Fee Schedule | Calculators | Loan Application

SHARE (SAVINGS) RATES

Type of Account APR* APY*
Share Savings and Sub-shares Dividend Rate
(Balances equal to or in excess of $100.00) .40% 0.40%
IRA and Coverdell ESA Shares
(Balances equal to or in excess of $100.00) 0.80% 0.80%
Money Market Share Account Tier Rates
(Minimum of $2,500.00 Deposit)
$2,500.00 to $10,000.00 0.45% 0.45%
$10,000.01 to $25,000.00 0.45% 0.45%
$25,000.01 to $50,000.00 0.45% 0.45%
$50,000.01 TO $100,000.00 0.50% 0.50%
OVER $100,000.00 0.60% 0.60%

CERTIFICATE RATES

Share Certificates of Deposit (Minimum of $1000 Deposit)
6 Month Certificate
$1000.00 to $9,999.99 0.45% 0.45%
$10,000.00 to $24,999.99 0.50% 0.50%
$25,000.00 to $49,999.99 0.50% 0.50%
$50,000.00 to $99,999.99 0.50% 0.50%
$100,000.00 and over 0.55% 0.55%
12 Month Certificate
$1000.00 to $9,999.99 0.50% 0.50%
$10,000.00 to $24,999.99 0.55% 0.55%
$25,000.00 to $49,999.99 0.55% 0.55%
$50,000.00 to $99,999.99 0.55% 0.55%
$100,000.00 and over 0.60% 0.60%
24 Month Certificate
$1000.00 to $9,999.99 0.80% 0.80%
$10,000.00 to $24,999.99 0.85% 0.85%
$25,000.00 to $49,999.99 0.85% 0.85%
$50,000.00 to $99,999.99 0.85% 0.85%
$100,000.00 and over 0.90% 0.90%
36 Month Certificate
$1000.00 to $9,999.99 1.20% 1.21%
$10,000.00 to $24,999.99 1.25% 1.26%
$25,000.00 to $49,999.99 1.25% 1.26%
$50,000.00 to $99,999.99 1.25% 1.26%
$100,000.00 and over 1.35% 1.36%
48 Month Certificate
$1000.00 to $9,999.99 1.35% 1.36%
$10,000.00 to $24,999.99 1.40% 1.41%
$25,000.00 to $49,999.99 1.40% 1.41%
$50,000.00 to $99,999.99 1.40% 1.41%
$100,000.00 and over 1.45% 1.46%
60 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%
IRA and ESA Certificates of Deposit -(Minimum of $1000 Deposit)
1 Year IRA or ESA Certificate
$1,000.00 to $9,999.99 0.50% 0.50%
$10,000.00 to $24,999.99 0.55% 0.55%
$25,000.00 to $49,999.99 0.55% 0.55%
$50,000.00 to $99,999.99 0.55% 0.55%
$100,000.00 and over 0.60% 0.60%
2 Year IRA or ESA Certificate
$1,000.00 to $9,999.99 0.80% 0.80%
$10,000.00 to $24,999.99 0.85% 0.85%
$25,000.00 to $49,999.99 0.85% 0.85%
$50,000.00 to $99,999.99 0.85% 0.85%
$100,000.00 and over 0.90% 0.90%
3 Year IRA or ESA Certificate
$1,000.00 to $9,999.99 1.20% 1.21%
$10,000.00 to $24,999.99 1.25% 1.26%
$25,000.00 to $49,999.99 1.25% 1.26%
$50,000.00 to $99,999.99 1.25% 1.26%
$100,000.00 and over 1.35% 1.36%
4 Year IRA or ESA Certificate
$1,000.00 to $9,999.99 1.35% 1.36%
$10,000.00 to $24,999.99 1.40% 1.41%
$25,000.00 to $49,999.99 1.40% 1.41%
$50,000.00 to $99,999.99 1.40% 1.41%
$100,000.00 and over 1.45% 1.46%
5 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%
Youth Mini-Certificates (age 17 & under)
$250-$1,000 for 12 months 0.75% 0.75%
$250-$1,000 for 24 months 1.05% 1.06%

SHARE DRAFT (CHECKING) RATES

Average Daily Balance
0 to $999.99 0.00% 0.00%
$1,000.00 to $9,999.99 0.10% 0.10%
$10,000.00 to $49,999.99 0.25% 0.25%
$50,00000. and greater 0.35% 0.35%
Rates are effective 12/01/2013. 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 2012-2014 – untitled

36

as low as 1.99%*

48 as low as 1.99%*
60 as low as 1.99%*
72 as low as 2.99%*
Used Vehicles 2009-2013

36

as low as 1.99%*

48

as low as 2.19%*

60

as low as 2.49%*

72

as low as 3.49%*

Used Vehicles 2007-2008

36

as low as 2.79%*

48

as low as 3.29%*

60

as low as 3.99%*

Used Vehicles 2006 and Older

36

as low as 5.79%*

48 as low as 5.79%*
Personal Loans

Personal Loans
(Fixed Term)

12 mo

as low as 7.90%*

24 mo as low as 8.90%*
36 mo as low as 9.90%*
48 mo as low as 10.90%*
60 mo as low as 12.90%*
Easy Access Line of Credit (Open End)

as low as 10.90%*

Share Secured Loan** 36 rate + 2%*
Certificate Secured Loan** term of certificate rate + 2%*
Real Estate Loans
Home Equity Plus Line of Credit (Open End)

180

5.00%*

Home Equity (Fixed TermUp to 90% Loan to Value)

Up to 60

as low as 3.99%*

61 – 84

as low as 4.99%*

85 – 180

as low as 6.29%*

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

180

call for rates

First Mortgage Purchase Loans
360 call

CREDIT CARD RATES

MasterCard Platinum

8.90%*

MasterCard Gold

10.90%*

MasterCard Classic

14.90%*

Loan Rates are Effective as of 12/01/2013. 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 – Rate and approval are subject to term, collateral and credit history.