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Rates ACCOUNT TYPE RATE A.P.Y.* Regular shares 0.75% 0.75% Christmas clubs 0.75% 0.75% Vacation clubs .075% 0.75% 6 month C.D. 2.25% 2.27% 12 month C.D. 2.75% 2.78% 18 month C.D. 3.25% 3.29% LOAN TYPE** RATE** LOAN TERMS NEW or USED 2008 or 2007 models 4.75% *** 1 - 36 months [3 yrs] NEW or USED 2008 or 2007 models 5.00% *** 37 - 48 months [4 yrs] NEW or USED 2008 or 2007 models 5.25% *** 49 - 60 months [5 yrs] NEW or USED 2008 or 2007 models 6.50% *** 61 - 72 months [6 yrs] USED 2006-2003 models 6.50% *** 1 - 48 months [4 yrs] USED 2002 or 2001 models 6.50% *** 1 - 36 months [3 yrs] USED 2000 models or older models 6.50% *** 1 - 24 months [2 yrs] PERSONAL loans 8.00% - 10.00% {Based on credit score} 1 - 60 months HOME EQUITY loan 5.50% *** 5 years [60 months] HOME EQUITY loan 6.00% *** 7 years [84 months] HOME EQUITY loan 6.25% *** 10 years [120 months] COMPUTER loan 4.95% 1 - 18 months *For minimum balance requirements, please contact the credit union. **For loan guidelines and qualification criteria, please contact the credit union or see the loanguidelines on the "Loan Application" page of this website. ***Approved applicants with credit scores over 700, qualify for an 1/4% DISCOUNT off the rate for the term they choose. [See Promotions & Specials page]