Loan Rates
Effective as of: January 20, 2015
Rates, fees, and terms are subject to change without notice.
| Loan Type | APR* | Loan Term (in months) | Monthly Payment per $1000) |
|---|---|---|---|
| Auto, RV, Boat, Motorcycle New (less than 15,000 miles) |
As low as 3.49% | up to 24 | $43.20 |
| As low as 3.59% | 25 to 36 | $29.34 | |
| As low as 3.84% | 37 to 48 | $22.51 | |
| As low as 4.09% | 49 to 60 | $18.46 | |
| Auto, RV, Boat, Motorcycle Used |
As low as 3.99% | up to 24 | $43.42 |
| As low as 4.09% | 25 to 36 | $29.56 | |
| As low as 4.34% | 37 to 48 | $22.73 | |
| As low as 4.59% | 49 to 60 | $18.68 | |
| Personal Line of Credit (unsecured) | 15.95% | Revolving Line of Credit | |
| Short Term Loans | 18.00% | Up to 12 months | |
| Share Secured Loans | 5.00% | Up to 120 | |
| Certificate Secured | Prime plus 1.25% | ||
| Life Style Loans | As low as 5.99% | Up to 84 months | |
*The annual percentage rate you pay will be based on the number of months your loan is financed, loan type, the type of collateral, the loan-to value ratio, and your credit history.
Deposit Account Rates
Effective as of: December 14, 2016
Savings Accounts
| Annual Percentage Yield | Interest/Dividend Rate | Minimum Balance | |
|---|---|---|---|
| Tier 1 | 0.1000% | 0.1000% | $100.00 |
| Tier 2 | 0.2000% | 0.2000% | $1,000.00 |
| Tier 3 | 0.2500% | 0.2500% | $2,000.00 |
Savings Accounts: Share, Special Savings, Christmas/Holiday Club, Summer Paycheck/Vacation
Checking Accounts
| APY | Interest Rate | Minimum Balance | |
|---|---|---|---|
| Tier 1 | 0.00% | 0.00% | $1,000.00 |
| Tier 2 | 0.05% | 0.05% | $2,500.00 |
| Tier 3 | 0.10% | 0.10% | $5,000.00 |
*Deposits are paid interest at the disclosed rate. All savings/deposits are insured to at least $250,000.00 per member by the National Credit Union Administration (NCUA), an agency of the federal government. All rates and terms are subject to change at any time.
Certificate Rates
| Certificate Type | Annual Percentage Yield | Interest Rate | Minimum Balance | Term | Interest Penalty |
|---|---|---|---|---|---|
| 3M OR IRA3 | .10% | .10% | $1,000.00 | 3 months | 31 days |
| 6M OR IRA6 | .15% | .15% | $1,000.00 | 6 months | 31 days |
| 12M or IRA12 | .20% | .20% | $500.00 | 9-15 months | 91 days |
| 24M or IRA24 | .35% | .35% | $500.00 | 21-27 months | 91 days |
| 36M or IRA36 | .50% | .50% | $500.00 | 33-39 months | 182 days |
| 48M or IRA48 | .60% | .60% | $500.00 | 45-51 months | 182 days |
All Credit Union deposits are insured to at least $250,000 per member by the National Credit Union Administration (NCUA) Share Insurance Fund, an agency of the Federal Government. [Legal disclaimer]
IRA Rates
| Annual Percentage Yield | Interest Rate | Minimum Balance | |
|---|---|---|---|
| Tier 1 | 0.05% | 0.05% | $100.00 |
| Tier 2 | 0.15% | 0.15% | $2,500.00 |
| Tier 3 | 0.25% | 0.25% | $5,000.00 |
| Tier 4 | 0.30% | 0.30% | $10,000.00 |
All Credit Union deposits are insured to at least $250,000 per member by the National Credit Union Administration (NCUA) Share Insurance Fund, an agency of the Federal Government. [Legal disclaimer]
Sterling Fund Money Market Accounts
| Annual Percentage Yield | Interest Rate | Minimum Balance | |
|---|---|---|---|
| Tier 1 | 0.05% | 0.05% | $500.00 |
| Tier 2 | 0.15% | 0.15% | $2,000.00 |
| Tier 3 | 0.20% | 0.20% | $10,000.00 |
Sterling Plus Fund Money Market Accounts
| Annual Percentage Yield | Interest Rate | Minimum Balance | |
|---|---|---|---|
| Tier 1 | 0.20% | 0.20% | $2,000.00 |
| Tier 2 | 0.25% | 0.25% | $10,000.00 |
| Tier 3 | 0.30% | 0.30% | $25,000.00 |
Monthly fee charged for balances under $25,000.00 All Credit Union deposits are insured to at least $250,000 per member by the National Credit Union Administration (NCUA) Share Insurance Fund, an agency of the Federal Government. [Legal disclaimer]
Business Account Rates
Savings Rates
| Membership Share* | Interest Rate | APY | Minimum Balance |
|---|---|---|---|
| Tier 1 | 0.10% | 0.10% | $100.00 |
| Tier 2 | 0.20% | 0.20% | $1,000.00 |
| Tier 3 | 0.25% | 0.25% | $2,000.00 |
| Special Savings | Interest Rate | APY | Minimum Balance |
| Tier 1 | 0.10% | 0.10% | $100.00 |
| Tier 2 | 0.20% | 0.20% | $1,000.00 |
| Tier 3 | 0.25% | 0.25% | $2,000.00 |
| Sterling Fund | Interest Rate | APY | Minimum Balance |
| Tier 1 | 0.05% | 0.05% | $500.00 |
| Tier 2 | 0.15% | 0.15% | $2,000.00 |
| Tier 3 | 0.20% | 0.20% | $10,000.00 |
| Sterling Plus Fund | Interest Rate | APY | Minimum Balance |
| Tier 1 | 0.20% | 0.20% | $2,000.00 |
| Tier 2 | 0.25% | 0.25% | $10,000.00 |
| Tier 3 | 0.30% | 0.30% | $25,000.00 |
Checking Rates
| Business Essentials | Interest Rate | APY | Minimum Balance |
|---|---|---|---|
| Tier 1 | 0.00% | 0.00% | $5,000.00 |
| Tier 2 | 0.05% | 0.05% | $7,500.00 |
| Tier 3 | 0.10% | 0.10% | $10,000.00 |
| Business Plus | Interest Rate | APY | Minimum Balance |
| Tier 1 | 0.00% | 0.00% | $5,000.00 |
| Tier 2 | 0.05% | 0.05% | $7,500.00 |
| Tier 3 | 0.10% | 0.10% | $10,000.00 |
| Business Advantage | Interest Rate | APY | Minimum Balance |
| Tier 1 | 0.00% | 0.00% | $5,000.00 |
| Tier 2 | 0.05% | 0.05% | $7,500.00 |
| Tier 3 | 0.10% | 0.10% | $10,000.00 |
Certificate Rates
| Term | Minimum Balance | Interest Rate | APY | Interest Penalty |
|---|---|---|---|---|
| 3M | $1,000.00 | 0.10% | 0.10% | 31 days |
| 6M | $1,000.00 | 0.15% | 0.15% | 31 days |
| 12M | $500.00 | 0.20% | 0.20% | 91 days |
| 24M | $500.00 | 0.35% | 0.35% | 91 days |
| 36M | $500.00 | 0.50% | 0.50% | 182 days |
| 48M | $500.00 | 0.60% | 0.60% | 182 days |
*Membership Shares (suffix 0) earns dividends and reflects a dividend rate. All other savings/deposits are paid interest at the disclosed rate.
All savings/deposits are insured to at least $250,000 per membership by the National Credit Union Administration (NCUA), an agency of the federal government. All rates and terms are subject to change at any time.
[Legal disclaimer]
