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Share & Loan Rates

Term Dividend Rate APY** Minimum Balance
60-71 Month

1.80%
1.80%
1.80%
1.45%
1.30%

1.81%
1.81%

1.81%
1.46%
1.31%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
48-59 Month 1.45%
1.45%
1.45%
1.35%
1.20%
1.46%
1.46%

1.46%
1.36%
1.21%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
36-47 Month 1.45%
1.45%

1.45%
1.35%
1.20%
1.46%
1.46%

1.46%
1.36%
1.21%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
24-35 Month 1.15%
1.15%

1.15%
1.05%
0.90%
1.15%
1.15%

1.15%
1.05%
0.90%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
18-23 Month 1.15%
1.15%

1.15%
1.05%
0.90%
1.15%
1.15%

1.15%
1.05%
0.90%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
12-17 Month 1.00%
1.00%
1.00%
0.90%
0.75%
1.00%
1.00%
1.00%
0.90%
0.75%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
6-11 Month 0.75%
0.75%
0.75%
0.65%
0.50%
0.75%
0.75%
0.75%
0.65%
0.50%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99

 

* The Annual Percentage Yield (APY) assumes dividends will remain on deposit until Maturity.

** Legacy certificates purchased prior to August 1, 2013 will receive a .25% increase over the current rate excluding the $90,000 and above tiers.

Term Dividend Rate APY** Minimum Balance
60-71 Month

1.80%
1.80%
1.80%
1.45%
1.30%
1.30%

1.81%
1.81%

1.81%
1.46%
1.31%
1.31%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100* - $499.99
48-59 Month 1.45%
1.45%
1.45%
1.35%
1.20%
1.20%
1.46%
1.46%

1.46%
1.36%
1.21%
1.21%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100* - $499.99
36-47 Month 1.45%
1.45%

1.45%
1.35%
1.20%
1.20%
1.46%
1.46%

1.46%
1.36%
1.21%
1.21%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100* - $499.99
24-35 Month 1.15%
1.15%

1.15%
1.05%
0.90%
0.90%
1.15%
1.15%

1.15%
1.05%
0.90%
0.90%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100* - $499.99
18-23 Month 1.15%
1.15%

1.15%
1.05%
0.90%
0.90%
1.15%
1.15%

1.15%
1.05%
0.90%
0.90%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100* - $499.99
12-17 Month 1.00%
1.00%
1.00%
0.90%
0.75%
0.75%
1.00%
1.00%
1.00%
0.90%
0.75%
0.75%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100* - $499.99
6-11 Month 0.75%
0.75%
0.75%
0.65%
0.50%
0.50%
0.75%
0.75%
0.75%
0.65%
0.50%
0.50%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100* - $499.99
12 Month No Penalty (Share Certificate Only) 0.45%
0.45%
0.40%
0.40%
0.35%
0.30%
0.45%
0.45%
0.40%
0.40%
0.35%
0.30%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100* - $499.99

* Available for Youth Certificates only. Youth Certificate Accounts are for members under the age of 18. Additional deposits can be made to a youth certificate account to encourage savings. Once the owner turns 19, the additional deposit feature is not available.

** The Annual Percentage Yield (APY) assumes dividends will remain on deposit until Maturity.

*** Legacy certificates purchased prior to August 1, 2013 will receive a .25% increase over the current rate excluding the $90,000 and above tiers.

The Fees and Charges that will be assessed to the account are reflected in the Disclosure of Fees and Charges. Early Withdrawals are subject to an early withdrawal penalty. Flex Certificates will automatically renew at the lower standard certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. Dividends are compounded and credited quarterly. Rates subject to change Please call (757) 552-1000 or (800) 678-8765 to obtain current rate information

ACCOUNT TYPE DIVIDENDS
APY* BALANCE REQUIREMENT
Money Market 0.15%
0.20%
0.20%
0.30%
0.40%
0.40%
0.15%
0.20%
0.20%
0.30%
0.40%
0.40%
$2,500 - $4,999.99
$5,000.00 - $9,999.99
$10,000 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000 +
ACCOUNT TYPE DIVIDENDS APY* BALANCE REQUIREMENT
Access Checking N/A  -- --
Best Value Checking N/A  -- --
Interest Plus Checking 0.15% 0.15% $1,500.00
Premium Value Checking 0.20% 0.20% $2,500.00

Legacy Checking
(Grandfathered Account/Not Currently Offered)

0.20% 0.20% $1,000.00
ACCOUNT TYPE DIVIDENDS APY* BALANCE REQUIREMENT
Prime Share 0.15% 0.15% $100.00
Custom Share 0.05% 0.05% $100.00
Business Prime Share 0.05% 0.05% $100.00
IRA Share 0.40% 0.40% $100.00
Auto - Model Year Term* Annual Percentage Rate (APR) Apply
New 2015 - 2014 Model (< 7,500 miles) Up to 63 months
64 to 75 months
76 to 84 months
As Low As 1.89%
As Low As 2.19%
As Low As 6.69%
APPLY TODAY
Used 2015 - 2014 Model (> 7,500 miles) Up to 63 months
64 to 75 months
76 to 84 months

As Low As 2.09%
As Low As 2.39%
As Low As 7.49%

APPLY TODAY
2013 - 2012

Up to 63 months
64 to 75 months

As Low As 2.19%
As Low As 2.49%
APPLY TODAY
2011

Up to 63 months
64 to 75 months

As Low As 2.69%
As Low As 3.29%
APPLY TODAY
2010 and Older

Up to 63 months

As Low As 3.29% APPLY TODAY

 *100% LTV for terms > 75 mos

Model Year Term Annual Percentage Rate (APR) Apply
New 2014-2013 Model (< 7,500 miles) Up to 84 months As Low As 4.49% APPLY TODAY
Used 2014-2011 Model (> 7,500 miles) Up to 84 months As Low As 4.75% APPLY TODAY
2010 Used Up to 75 months As Low As 4.99% APPLY TODAY
2009 and Older Up to 63 months As Low As 5.99% APPLY TODAY
MortgageRateAPRPoints
30 Year Fixed Rate4.125%4.18%0.625%
15 Year Fixed Rate3.375%3.43%0.375%
Equity Lines Term Max LTV** APR* Apply
Equity Loan Up to 240 mos 100% As Low As 3.99% APPLY TODAY
Variable with Fixed Rate Option*** --  100% As Low As 3.49% APPLY TODAY
Fixed Rate Option* Up to 180 mos --  As Low As 3.99% APPLY TODAY

Requests for maximum LTV will be considered on a case-by-case basis. Up to 100% LTV financing is available on single family detached residences, and is based on credit qualifications. All rates and terms quoted above apply to properties that are occupied by the borrower. *Annual Percentage Rate. **Loan-to-value. ***Annual Percentage Rate may vary. Rates subject to change after opening. Fees, ranging from $300 to $500, may be incurred. Maximum APR is 18%.

Loan Type
Term APR* Apply
Visa* Platinum Rewards Revolving Account As Low As 8.99% APPLY TODAY
Shared Secured Credit Card Revolving Account As Low As 17.89% APPLY TODAY
Signature Loan Up to 60 Months As Low As 11.99% APPLY TODAY
Line of Credit Revolving Account As Low As 11.99% APPLY TODAY
Shared & Certificate Secured Loans Up to 144 Months 3% above the highest tiered rate

*APR - Annual Percentage Rate

Click here for Required Disclosures

APY = Annual Percentage Yield.
APR = Annual Percentage Rate.

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