Current Rates



Loan Interest Rates


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Effective: May 9, 2014

Personal Loans
60 months Rate Based on Credit Score
As low as $19.33 per $1,000**
New Automobiles
Based on Credit Score 72-Month Maximum*
As low as 2.99% APR *Restrictions may apply
As low as $10.76 per $1,000**
Up to 100% financed  
Used Automobiles NADA Retail Value
Based on Credit Score 60-Month Maximum*
As low as 2.99% APR *Restrictions may apply
As low as $10.76 per $1,000**
Share Secured
Totally secured by Shares (excluding IRA's and Certificates) held in this credit union 3.10% APR
60-Month Maximum $18.08 per $1,000***
Mortgages/HELOC
Call for current program details!  
Home Equities
75% of appraised value less any first mortgage. Single family, owner occupied properties only. Condos excluded.
Fixed Rates 60 months - 2.99% APR
$17.96 per $1,000***

120 months - 4.49% APR
$10.36 per $1,000***
The payments do not include amount for taxes and insurance premiums if applicable, and that the actual obligation will be greater.
Rates are subject to change without notice.
** Rates for these categories are tied to highest credit scores.
*** Listed rates are fixed at present. Call Virginia at the office to confirm rates are current.

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Share Account Dividends


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Regular Shares
Paid and compounded quarterly 0.10% APY
Loan Shares
Christmas Clubs
Vacation Clubs
Paid and compounded quarterly 0.10% APY
Share Drafts
Paid and compounded quarterly 0.00% APY
IRA's
Accumulator Type 1.00% APY
Annual Percentage Yield (APY) Min. Balance to earn APY is $50.00
Min. Balance to open account is $5.00
Share Certificates
Please contact the Credit Union office for current rates.

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