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Rates are subject to change.
Please call the Credit Union to verify current rates.

Savings Rates

Effective July 6, 2010

Our Phone: 303-320-2244  

 

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Loan Rates
Fees
  Share Savings
 
Dividend Rate (%)
APY (%)
Regular Share Account
.10
.10
  
 
  Money Market Account  (Maximum 3 withdrawals per month)
Balance
Dividend Rate (%)
APY (%)
$0 - $1999.99
0.0
0.0
$2000 - $4999.99
.30
.30
$5000 - $9,999.99
.35
.35
$10,000 - $24,999.99
.40
.40
$25,000 - $49,999.99
.45
.45
$50,000 - $99,999.99
.50
.50
$100,000+
.55
.55
 
Share Certificate Account  ($500.00 minimum)
Term
Dividend Rate (%)
APY (%)
Penalty for Early Withdrawal
Six (6) Months
0.65
0.65
90 days
12 Months
0.85
0.85
90 days
24 Months
1.14
1.15
180 days
36 Months
1.64
1.65
180 days
48 Months
2.47
2.50
180 days
60 Months
2.72
2.75
180 days
IRA Account   ($500.00 minimum)
Dividend Rate (%)
APY (%)
Penalty for Early Withdrawal
IRA Share Account
.10
.10
90 days
IRA CD  6 Months
0.65
0.65
90 days
IRA CD 12 Months
0.85
0.85
90 days
IRA CD 24 Months
1.14
1.15
180 days
IRA CD 36 Months
1.64
1.65
180 days
IRA CD 48 Months
2.47
2.50
180 days
IRA CD 60 Months
2.72
2.75
180 days
 
Club Account
 
Dividend Rate (%)
APY
Holiday Club
.10%
.10%

Loan Rates

Effective January 1, 2010

Loan rates (%) are based on Experian Risk-Based Score
Vehicle Loan NEW: 2002-2009 Models
Credit Score
Up to 60 Months |
61-72 Months |
73-84 Months
A+
740+
5.75%
add .50%
add 2.00%
A
739-720
6.15%
add .50%
add 2.00%
B+
719-700
7.15%
add .50%
add 2.00%
B:
699-680
7.95%
add .50%
add 2.00%
C+
679-660
9.75%
add .50%
add 2.00%
C 
659-640
11.50%
add .50%
add 2.00%
D
639-600
17.00%
add .50%
add 2.00%
E
599 & below
18.00%
add .50%
add 2.00%
 
Vehicle Loan USED:  2001 & Older
Credit Score
A+
740+
6.15%

1999-2001 models:
up to 48 months financing

1998 & older models:
up to 36 months financing

A
739-720
6.75%
B+
719-700
7.25%
B
699-680
8.20%
C+
679-660
8.95%
C
659-640
11.70%
D
639-600
17.75%
E
599 & below
18.00%
 
Classic Car Loan
Credit Score
36 Months
48 Months
 
A+ 740+
6.99%
6.99%
  
A 739-720
7.25%
7.25%
  
B+ 719-700
8.00%
8.00%
  
B 699-680
10.00%
10.00%
  
C+ 679-660
11.50%
11.50%
  
C 659-640
14.50%
14.50%
  
D 639-600
16.50%
16.50%
  
E 599 & below
18.00%
n/a
  
 
Motorcycle Loan NEW:  2003-2009
Credit Score
Up to 60 Months |
61-72 Months |
73-84 Months
A+
740+
7.00%
add .50%
add 2.00%
A
739-720
7.90%
add .50%
add 2.00%
B+
719-700
8.25%
add .50%
add 2.00%
B
699-680
9.24%
add .50%
add 2.00%
C+
679-660
10.75%
add .50%
add 2.00%
C
659-640
12.50%
add .50%
add 2.00%
D
639-600
16.50%
add .50%
add 2.00%
E
599 & below
18.00%
add .50%
add 2.00%
Motorcycle Loan USED: 2002 & Older
Credit Score
   
A+ 740+
7.75%
Up to 36 months financing
A 739-720
8.00%
B+ 719-700
8.45%
B 699-680
9.50%
C+ 679-660
11.20%
C 659-640
12.75%
D 639-600
17.50%
E 599 & below
18.00%
 
Recreational Vehicles
Credit Score
60 Months
84 Months
120 Months
A+ 740+
8.50%
8.50%
Not
Available
A 739-720
8.70%
8.70%
B+ 719-700
9.15%
9.15%
B 699-680
9.65%
9.65%
C+ 679-660
10.15%
10.15%
C 659-640
11.65%
11.65%
D 639-600
18.00%
18.00%
E 599 & below
n/a
n/a
 
Jet Ski, ATV, Snowmobile, Off-road Motorcycle
Credit Score
     
A+ 740+
9.25%
Up to 36 months financing
A 739-720
9.50%
B+ 719-700
10.50%
B 699-680
11.00%
C+ 679-660
12.50%
C 659-640
13.75%
D 639-600
17.00%
E 599 & below
18.00%
Watercraft Loan
Credit Score
48 Months
60 Months
72 Months
A+ 740+
8.75%
9.00%
9.25%
A 739-720
9.00%
9.25%
10.00%
B+ 719-700
9.25%
10.50%
10.95%
B 699-680
11.00%
11.50%
12.00%
C+ 679-660
12.75%
13.50%
14.00%
C 659-640
14.00%
14.75%
16.00%
D 639-600
17.00%
17.50%
18.00%
E 599 & below
18.00%
18.00%
n/a
 
Second Mortgage Loans
Credit Score
Loan to Value
85% or Less
Loan to Value
85.1%-90.1%
Loan to Value
90.1%-95%
A+/A 720+
6.50%
7.50%
9.50%
B+/B 719-699
7.25%
7.75%
10.00%
C+ 698-678
8.25%
10.25%
10.75%
C 677-657
16.00%
16.25%
16.75%
D 656-636
17.00%
n/a
n/a
E 635 & below
18.00%
n/a
n/a
 
Unsecured Loans
Credit Score
Classic
Visa® Card
Signature Loan
(up to 36 mos)
Overdraft
Protection
A+ 740+
9.90%
10.50%
16.00%
A 739-720
11.90%
10.95%
16.25%
B+ 719-700
12.90%
12.70%
16.50%
B 699-680
12.90%
13.25%
16.75%
C+ 679-660
15.90%
14.75%
17.50%
C 659-640
15.90%
15.75%
17.75%
D 639-600
17.90%
17.50%
17.90%
E 599 & below
17.90%
18.00%
18.00%
 

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