Loan Rates
Effective as of: January 21, 2020
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: January 21, 2020
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 | 1.25% | 1.25% | $1,000.00 | 31 days |
| 12 months | 1.76% | 1.75% | $500.00 | 91 days |
| 24 months | 1.86% | 1.85% | $500.00 | 91 days |
| 36 months | 1.91% | 1.90% | $500.00 | 182 days |
| 48 months | 2.12% | 2.10% | $500.00 | 182 days |
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 | 1.25% | 1.25% | $1,000.00 | 31 days |
| 12M | 1.76% | 1.75% | $500.00 | 91 days |
| 24M | 1.86% | 1.85% | $500.00 | 91 days |
| 36M | 1.91% | 1.90% | $500.00 | 182 days |
| 48M | 2.12% | 2.10% | $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]
