Loan and Savings Rates

We offer savings accounts, CD's ($1,000.00 minimum) and a variety of loans that will help you secure a car, a home, and many other needs.

When you deposit money in one of our saving accounts, you'll receive life insurance coverage that will protect you if you are ever unable to perform the duties attached to your job. 

As long as you maintain savings in our credit union, your life insurance remains in force. In the event of your death, your heirs receive both your savings and the insurance payment your savings provided. (No insurance is provided on savings deposits made once you turn 70 years old.)

Account balances $100,000 and above APR will be 1.00%

Dividends will be compounded semi-annual and credited semi-annual. The dividend period is six months. The beginning of the date of the first dividend period of the calendar is January 1st and the ending date is June 30th. The dividend declaration date is the third Tuesday in the last month of the period and for example will be the third Tuesday in June.

If you close your account before dividends are paid, you will not be paid the accrued dividends for the period.

To open an account, you must have a minimum amount of $5.00. To earn the APY disclosed, you must maintain a minimum daily average balance of $101 for each day of the dividend period. You will not earn dividends for any day that your balance drops below $101.

 When Dividends are Calculated

Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the balance in the account each day.

 When Dividends Begin to Accrue

Dividends begin to accrue on cash and non-cash deposits, such as checks, on the business day you make your deposit.

When you save money in your credit union, your savings provide life insurance for you if you are physically able to perform the usual duties of your occupation when your deposit is made. Every dollar you save up to $2,000 provides life insurance for you according to the following scale:

Each $1 you save before age 55 provides $1 of life insurance.

Each $1 you save from age 55 through age 59 provides $.75 of life insurance.

Each $1 you save from age 50 through age 64 provides $.50 of life insurance.

Each $1 you save from age 65 through age 69 provides $.25 of life insurance.

No insurance is provided on savings deposits made on or after age 70.

These amounts apply after six months of age. Each $1 deposited for an infant under six months of age provides $.25 of life insurance. This amount increases to 100% at age six months, subject to the plan's maximum.

When you get a credit union loan, you also get loan protection insurance at no additional cost, which is another great reason to join our credit union.

Your outstanding balance is covered if you are unable to perform your job. In the event of your death or complete permanent disability, your loan balance will be paid according to the terms of the group policy.

Come see us in the lobby at 80 Park Plaza and pick up your FREE calendar. They're available every year.

If loan is for a car loan, copy of dealership invoice is required.

For a car loan 1% of the loan amount is required to be held in your Shares account

Returned Check, NSF                                                               $35.00

15 Withdrawal in 6 months                                                   $3.00 each one after

Loan Application Fee                                                               $15.00

Dormant Account Fee (no activity for 2 years)          $10.00