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Current Rates & Fees

Loan Rates

New & Used Vehicle Loan
Effective Date: November 20, 2014
TermAPR*
New Vehicles (2016/2017) As low as
24 Month 1.50%
36 Month 1.99%
48 Month 1.99%
60 Month 2.49%
72 Month 2.75%
84 Month 3.00%
Used Vehicles (2015 and older) As low as
36 Month 2.49%
48 Month 2.49%
60 Month 2.75%
72 Month 3.50%
84 Month 4.99%

Other Loans
Effective Date: November 20, 2014
(Boats, Motorhomes, Travel Trailers)
TermAPR*
36 Month 3.75%
48 Month 3.99%
60 Month 3.99%
72 Month 4.50%
84 Month 4.75%
120 Month 5.50%
180 Month 6.00%

VISA Credit Card
Effective Date: November 20, 2014
APR*
11.90%
Please read the credit card Agreement and Disclosure for further details.

Unsecured 'Closed-end' Loans
Effective Date: November 20, 2014
TermAPR*
12 Month 8.00%
24 Month 9.00%
36 Month 10.00%
48 Month 11.00%
60 Month 12.00%

Unsecured Credit Lines Revolving
Effective Date: November 20, 2014
APR*
10.00%

Share Secured Loans
Effective Date: November 20, 2014
TermAPR*
36 Month 3.75%
48 Month 4.00%
60 Month 4.25%

Home Equity
Effective Date: January 1, 2017
APR*
Line of Credit 4.25%
Closed End (15 yrs) 5.50%

Mortgages
Effective Date: November 20, 2014
Please call one of our Branches for Current Rates!

Business Loans
Effective Date: November 20, 2014
Please call one of our Branches for Current Rates!

*APR = Annual Percentage Rate.

Rates and terms subject to change. Home Equity & Mortgage rates are based on 80% Loan To Value for principle residences and do not reflect closing fees or credit score adjustments. Longer terms may be considered on a case-by-case basis. Additional terms & conditions may apply. Contact the credit union loan department for complete details.

Savings Rates

Savings Accounts
Effective Date: March 19, 2014
APR*APY**
Savings Account (Primary Share) Min. $5 Balance 0.10% 0.10%
Christmas Club 0.10% 0.10%
Vacation Club 0.10% 0.10%
Individual Retirement Account 0.50% 0.50%

Hi-Interest Checking
Effective Date: June 1, 2016
BalanceAPY**
$.01-$5,000.00 5.00%
$5,000.01- .01%
*APY= Annual Percentage Yield. 5% is earned on High Interest Checking Account deposit balances up to $5,000.00 per month. Interest is calculated on an average daily balance for the month. The rate is subject to change. Easy monthly usage requirements: (1) ACH Transaction to a High Interest Checking Account. Log into ITSME247 Online Banking at least (2) times per month; make fifteen (15) debit card transactions using your signature (pin-based transactions not eligible); sign up to receive eStatements. No minimum balance requirements. (0.1% APY earned for not meeting requirements). Fees may reduce earnings on the account. Membership eligibility required. Subject to credit approval. Federally insured by NCUA. Equal Housing Lender.

Business Accounts
Effective Date: March 19, 2014
RateAPR*APY**
Business Savings 0.10% 0.10%
Business Checking 0.01% 0.01%

Money Market Account
Effective Date: November 1, 2016
BalanceAPR*APY**
$2000.00 and below 0.00% 0.00%
$2,000.01 - $20,000 0.15% 0.15%
$20,000.01 - $100,000 0.30% 0.30%
$100,000.01 and above 0.35% 0.35%

Certificates of Deposit
Effective Date: November 1, 2016
Minimum deposit of $1,000
TermAPR*APY**
3 Month CD 0.10% 0.10%
6 Month CD 0.45% 0.45%
12 Month CD 0.50% 0.50%
18 Month CD 0.70% 0.70%
24 Month CD 0.85% 0.85%
36 Month CD 1.20% 1.21%
48 Month CD 1.40% 1.41%
60 Month CD 1.70% 1.71%

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

Dividend or interest computation method, frequency and minimum balance requirements vary by account type. Penalty for early withdrawal exists on Certificates of Deposit and Christmas Club Accounts. Please contact the credit union office for details.
Fees may reduce earnings on savings accounts.

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