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) .25% 0.25%
IRA and Coverdell ESA Shares
(Balances equal to or in excess of $100.00) 0.65% 0.65%
Money Market Share Account Tier Rates
(Minimum of $2,500.00 Deposit)
$2,500.00 to $10,000.00 0.35% 0.35%
$10,000.01 to $25,000.00 0.35% 0.35%
$25,000.01 to $50,000.00 0.35% 0.35%
$50,000.01 TO $100,000.00 0.40% 0.40%
OVER $100,000.00 0.50% 0.50%

CERTIFICATE RATES

Share Certificates of Deposit – (Minimum of $1,000 Deposit)
6 Month Certificate
$1000.00 to $9,999.99 0.35% 0.35%
$10,000.00 to $24,999.99 0.35% 0.35%
$25,000.00 to $49,999.99 0.40% 0.40%
$50,000.00 to $99,999.99 0.40% 0.40%
$100,000.00 and over 0.40% 0.40%
12 Month Certificate
$1000.00 to $9,999.99 0.35% 0.35%
$10,000.00 to $24,999.99 0.35% 0.35%
$25,000.00 to $49,999.99 0.40% 0.40%
$50,000.00 to $99,999.99 0.40% 0.40%
$100,000.00 and over 0.40% 0.40%
24 Month Certificate
$1000.00 to $9,999.99 0.70% 0.70%
$10,000.00 to $24,999.99 0.70% 0.70%
$25,000.00 to $49,999.99 0.70% 0.70%
$50,000.00 to $99,999.99 0.75% 0.75%
$100,000.00 and over 0.80% 0.80%
36 Month Certificate
$1000.00 to $9,999.99 1.15% 1.15%
$10,000.00 to $24,999.99 1.15% 1.15%
$25,000.00 to $49,999.99 1.15% 1.15%
$50,000.00 to $99,999.99 1.15% 1.15%
$100,000.00 and over 1.25% 1.25%
48 Month Certificate
$1000.00 to $9,999.99 1.30% 1.30%
$10,000.00 to $24,999.99 1.35% 1.35%
$25,000.00 to $49,999.99 1.35% 1.35%
$50,000.00 to $99,999.99 1.35% 1.35%
$100,000.00 and over 1.40% 1.40%
60 Month Certificate
$1000.00 to $9,999.99 1.55% 1.55%
$10,000.00 to $24,999.99 1.60% 1.60%
$25,000.00 to $49,999.99 1.60% 1.60%
$50,000.00 to $99,999.99 1.60% 1.60%
$100,000.00 and over 1.65% 1.65%
IRA and ESA Certificates of Deposit - (Minimum of $1,000 Deposit)
12 Month IRA or ESA Certificate
$1,000.00 to $9,999.99 0.35% 0.35%
$10,000.00 to $24,999.99 0.40% 0.40%
$25,000.00 to $49,999.99 0.40% 0.40%
$50,000.00 to $99,999.99 0.40% 0.40%
$100,000.00 and over 0.40% 0.40%
24 Month IRA or ESA Certificate
$1,000.00 to $9,999.99 0.70% 0.70%
$10,000.00 to $24,999.99 0.70% 0.70%
$25,000.00 to $49,999.99 0.70% 0.70%
$50,000.00 to $99,999.99 0.75% 0.75%
$100,000.00 and over 0.80% 0.80%
36 Month IRA or ESA Certificate
$1,000.00 to $9,999.99 1.15% 1.15%
$10,000.00 to $24,999.99 1.15% 1.15%
$25,000.00 to $49,999.99 1.15% 1.15%
$50,000.00 to $99,999.99 1.15% 1.15%
$100,000.00 and over 1.25% 1.25%
48 Month IRA or ESA Certificate
$1,000.00 to $9,999.99 1.30% 1.30%
$10,000.00 to $24,999.99 1.35% 1.35%
$25,000.00 to $49,999.99 1.35% 1.35%
$50,000.00 to $99,999.99 1.35% 1.35%
$100,000.00 and over 1.40% 1.40%
60 Month IRA or ESA Certificate
$1,000.00 to $9,999.99 1.55% 1.55%
$10,000.00 to $24,999.99 1.60% 1.60%
$25,000.00 to $49,999.99 1.60% 1.60%
$50,000.00 to $99,999.99 1.60% 1.60%
$100,000.00 and over 1.65% 1.65%
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 0.20% 0.20%
$50,00000. and greater 0.30% 0.30%
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 3.49%*

61 – 84

as low as 4.49%*

85 – 180

as low as 5.79%*

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 9/1/2014. 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.