Lending Rates

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Auto, Auto Refi, New Recreation Vehicles, Boats, Motorcycles, and Personal Watercrafts Loan Rates

Effective as of July 1, 2022.
Loan TypeExample TermAPR* as low asMo. Payment
for Maximum Term per $1,000.
New or Used Car / Truck
12-84 Months available
84 Months2.99%$13.22
Refinance Auto Loan84 Months2.99%$13.22
New Recreation Vehicles, Boats, Motorcycles, and Personal Watercrafts11-15 Years7.99%$9.56
Used Recreation Vehicles, Boats, Motorcycles, and Personal Watercrafts11-15 Years8.99%$10.15
*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, Motorcycle, Boats, and Personal Watercrafts 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 & BenefitsPlatinum Mastercard®Classic Mastercard®Secured Mastercard®
Regular Annual Percentage Rate* for purchases, cash advances, and balance transfers9.40% APR* Fixedas low as 12.50% APR* Fixed
17.99 % APR* Fixed
Intro APR Rate**1.99% APR* for first 6 billing cyclesNoneNone
Annual FeeNoneNoneNone
Balance Transfer FeeNoneNoneNone
Cash Advance FeeYesYesYes
Disable Lost and Stolen Card via Online or Mobile BankingYesYesYes
Report Lost or Stolen Card via Telephone
410-828-4500
YesYesYes
*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 April 25, 2019
TypeTerm**APR* as low asMo. Payment
(per $1,000 borrowed)
Anything LoanUp to 72 months12.90%$20.04
Vacation LoanUp to 72 months12.90%$20.04
Debt ConsolidationUP to 72 months12.90%$20.04
Credit Builder LoanUp to 60 months4.10%$18.47
*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
LTV12-Mo Intro Fixed APR*Standard Variable APR*Monthly Payment
Up to 80% Loan to Value1.49% APRCurrently 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 January 1, 2022
Account TypeDividend RateAPY*Min Deposit to earn interest
Share Savings0.05%0.050%$250
Club Savings0.05%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 July 19, 2020
Term & TypeDividend RateAPY*Min Deposit
1 Year0.12%0.120%$500
2 Years0.14%0.140%$500
3 Years0.16%0.160%$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 Jan. 1, 2022
TierDividend RateAPY*
$10,000-59,999.990.12%0.120%
$60,000 and over0.15%0.150%
*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.