Loan Rates

Effective as of: November 26, 2019

Rates, fees, and terms are subject to change without notice.

Loan Term (in months) APR Monthly Payment (per $1000) Loan Type
up to 24 As low as 3.99% $43.42 New Auto (less than 15,000 miles)
25 to 36 As low as 4.09% $29.56 New Auto (less than 15,000 miles)
37 to 48 As low as 4.34% $22.73 New Auto (less than 15,000 miles)
49 to 60 As low as 4.59% $18.68 New Auto (less than 15,000 miles)
up to 24 As low as 4.49% $43.64 Used Auto (less than 5 model years)
25 to 36 As low as 4.59% $29.79 Used Auto (less than 5 model years)
37 to 48 As low as 4.84% $22.96 Used Auto (less than 5 model years)
49 to 60 As low as 5.09% $18.91 Used Auto (less than 5 model years)
Up to 24 As low as 4.99% $43.87 Used Auto (5+ model years), Recreational Vehicles
25 to 36 As low as 5.09% $30.01 Used Auto (5+ model years), Recreational Vehicles
37 to 48 As low as 5.34% $23.18 Used Auto (5+ model years), Recreational Vehicles
49 to 60 As low as 5.59% $19.14 Used Auto (5+ model years), Recreational Vehicles
My Line of Credit As low as 7.0% Personal Line of Credit (unsecured)
Up to 12 months 18.00% Short Term Loans
Up to 120 3.00% Share Secured Loans
Prime plus 1.25% Certificate Secured
Up to 84 months As low as 6.49% Life Style Loans
0 to 24 As low as 6.49% Lifestyle Loans
25 to 48 As low as 7.49% Lifestyle Loans
49 to 72 As low as 8.49% Lifestyle Loans
73 to 84 As low as 9.49% Lifestyle Loans

*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: November 26, 2019

Savings Accounts

Tier APY Interest Rate Minimum Balance
Tier 1 0.05% 0.05% $100.00
Tier 2 0.15% 0.15% $1,000.00

Savings Accounts: Share, Special Savings, Christmas/Holiday Club, Summer Paycheck/Vacation

 

Checking Accounts

Tier 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

Term APY Interest Rate Minimum Balance Interest Penalty
3 months .75% .75% $1,000.00 31 days
6 months 1.26% 1.25% $1,000.00 31 days
12 months 1.87% 1.85% $500.00 91 days
24 months 2.01% 2.00% $500.00 91 days
36 months 2.12% 2.10% $500.00 182 days
48 months 2.22% 2.20% $500.00 182 days
*CD’s: Deposit of $100,000 or greater are eligible for a 0.25%
APY increase

 

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

Tier APY 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

Tier APY Interest Rate Minimum Balance
Tier 1 0.25% 0.25% $2,500.00
Tier 2 0.30% 0.30% $10,000.00
Tier 3 0.35% 0.35% $25,000.00

Sterling Plus Fund Money Market Accounts

Tier APY Interest Rate Minimum Balance
Tier 1 0.40% 0.40% $10,000.00
Tier 2 0.50% 0.50% $25,000.00
Tier 3 0.60% 0.60% $50,000.00

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

Tier APY Interest Rate Minimum Balance
Tier 1 0.05% 0.05% $100.00
Tier 2 0.15% 0.15% $1,000.00

Special Savings

Tier APY Interest Rate Minimum Balance
Tier 1 0.05% 0.05% $100.00
Tier 2 0.15% 0.15% $1,000.00

Sterling Fund

Tier APY Interest Rate Minimum Balance
Tier 1 0.25% 0.25% $2,500.00
Tier 2 0.30% 0.30% $10,000.00
Tier 3 0.35% 0.35% $25,000.00

 

Sterling Plus Fund

Tier APY Interest Rate Minimum Balance
Tier 1 0.40% 0.40% $10,000.00
Tier 2 0.50% 0.50% $25,000.00
Tier 3 0.60% 0.60% $50,000.00

Checking Rates

Business Essentials

Tier APY Interest Rate 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

Tier APY Interest Rate 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

Tier APY Interest Rate 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 APY Interest Rate Minimum Balance Interest Penalty
3M 0.75% 0.75% $1000.00 31 Days
6M 1.26% 1.25% $1,000.00 31 days
12M 1.87% 1.85% $500.00 91 days
24M 2.01% 2.00% $500.00 91 days
36M 2.12% 2.10% $500.00 182 days
48M 2.22% 2.20% $500.00 182 days

*CD’s: Deposit of $100,000 or greater are eligible for a 0.25%
APY increase

*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]