Great Rates

Check out our loan, credit card, and savings products. We offer some of the best rates in town!

Lending Rates

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Auto Loan, Auto Refinance, and Auto Title Loan Rates

Effective as of Sept. 9, 2023.

Loan Type	Example Term	APR* as low as
New or Used Car / Truck 12-84 Months available	84 Months	5.99%
Refinance Auto Loan	84 Months	5.99%
Auto Title Loans	Varies	5.99%

*APR = Annual Percentage Rate. The loan rates listed above are the lowest available rates. Your actual rate may be higher depending on your credit history and other factors. Monthly payment estimates are based on the longest loan term shown. ¹Auto and Truck loans can be financed up to 100% of the NADA Value. Recreation can be financed up to 85% of the NADA Value. The maximum allowable repayment term will be based on the amount borrowed. ²Auto loan refinancing is only offered on loans currently held with another lender. Some restrictions may apply. Ask for details. Cars and trucks that have a clear title may also be considered for refinancing. Loan approval is subject to creditworthiness and other factors. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.

Mastercard Credit Card Terms & Rates

Effective as of 12/30/2020

Rates & Benefits	Platinum Mastercard^®	Classic Mastercard^®	Secured Mastercard^®
Regular Annual Percentage Rate* for purchases, cash advances, and balance transfers	9.40% APR* Fixed	as low as 12.50% APR* Fixed	17.99 % APR* Fixed
Intro APR Rate**	1.99% APR* for first 6 billing cycles	None	None
Annual Fee	None	None	None
Balance Transfer Fee	None	None	None
Cash Advance Fee	Yes	Yes	Yes
Disable Lost and Stolen Card via Online or Mobile Banking	Yes	Yes	Yes
Report Lost or Stolen Card via Telephone 410-828-4500	Yes	Yes	Yes
APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Approval for credit cards are based on creditworthiness and ability to repay. Applicants who do not qualify for a Platinum MasterCard may be offered a Classic or Secured MasterCard®. *Introductory APR is for the first 6 billing cycles. After that, your rate will convert to the standard rate for your account.

Personal Loan Rates

Effective as of Sept. 9, 2023

Type	Term**	APR* as low as	Mo. Payment (per $1,000 borrowed)
Personal / Anything Loan	Up to 72 months	12.90%	$20.04
Vacation Loan	Up to 72 months	12.90%	$20.04
Debt Consolidation	UP to 72 months	12.90%	$20.04

*APR = Annual Percentage Rate. The loans rates listed above are the lowest available rates. Your actual rate may be higher depending on your credit history and other factors. Maximum allowable repayment term will be based on amount borrowed and other factors. Monthly Payment estimates are based on the longest loan term shown. Loan approval is subject to creditworthiness and other factors. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.

Home Equity Line of Credit Rates

Effective as of August 12, 2021

LTV	12-Mo Intro Fixed APR*	Standard Variable APR*	Monthly Payment
Up to 80% Loan to Value	1.49% APR	Currently 4.00% APR	$100 Min. Interest-Only Payments for 10-Year Draw Period
*APR=Annual Percentage Rate. Rates are subject to change. The introductory APR is for 12 months. The standard, post-introductory APR will be a fully indexed, variable rate based on the Prime Rate and may adjust on a semi-annual basis. The Prime Rate is obtained from the Wall Street Journal. We offer Prime less 0.25%. The minimum standard APR is 4.00% and the maximum APR is 14.00%. Your approval is subject to your creditworthiness and the verification of collateral. The minimum monthly payment is $100. Adequate property and flood insurance are required, if applicable. The Credit Union will pay all initial closing costs. The homeowner is responsible for the cost of the Home Appraisal. If the HELOC is paid off and closed within 24 months of the original note date, closing costs must be reimbursed to the Credit Union by the borrower. Closing costs vary and generally range between $850 to $1,000 on a $20,000 line of credit.

Savings Rates

Savings Rates

Effective as of October 7, 2022

Account Type	Dividend Rate	APY*	Min Deposit to earn interest
Share Savings	0.05%	0.050%	$250
Club Savings	0.05%	0.050%	$250
*APY = Annual Percentage Yield. Fees could reduce the earnings on these accounts. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.

Certificate of Deposit Rates

Effective as of August 28, 2023

Term & Type	Dividend Rate	APY*	Min Deposit
1 Year	3%	3.045%	$500
2 Years	2.5%	2.532%	$500
3 Years	2.0%	2.02%	$500
*APY = Annual Percentage Yield. Fees could reduce the earnings on these accounts. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.

Money Market Rates

Effective as of October 10, 2022

Tier	Dividend Rate	APY*
$10,000-59,999.99	0.15%	0.200%
$60,000 and over	0.20%	0.200%
*APY = Annual Percentage Yield. Fees could reduce the earnings on these accounts. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.