Interest Rates for Loans and Rate of Return for Deposits (2024)

New Auto Loans

Loans are subject to credit approval.
(1) The estimated monthly payment on a $30,000, 60-month loan at 6.49% APR is $587.
(2) Advertised Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, term, and loan-to-value. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All auto loan rates, including promotional rates and discounts are subject to a 6.24% minimum APR for new autos.

Used Auto Loans

Loans are subject to credit approval.
(1) The estimated monthly payment on a $20,000, 60-month loan at 6.99% APR is $396.
(2) Advertised Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, term, and loan-to-value. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All used auto loan rates including promotional rates and discounts are subject to a 6.74% APR minimum for 2017-2022 models, and 8.99% minimum for 2014-2016 models.

Personal Loans & Lines of Credit

Subject to credit approval. (1) The estimated monthly payment for a $7,500, 48-month fixed rate Debt Consolidation loan or a Personal Convenience loan at 11.74% APR is $197.(2) Advertised Annual Percentage Rate (APR) may change without notice.

Credit Cards

Subject to credit approval. (1) Advertised Annual Percentage Rate (APR) may change without notice. (2) Any change in the periodic rate will be effective on the first day of your next billing cycle immediately following a change in the index published in the Wall Street Journal. The interest rate applied to your Account will increase if the Prime Rate increases.
See our Transparent Visa Card Agreement , our Platinum Rewards Visa Card Agreement or our Business Visa Card Agreement .

Home Equity Loans and Lines of Credit

All loans are subject to credit approval. Home equity products available in NC, SC, TN, VA, FL, GA & OH only. Consult your tax advisor on the deductibility of interest. (1) Advertised Annual Percentage Rate (APR) may change without notice. (2) Home Equity Line of Credit is a variable rate loan and the APR is based on The Wall Street Journal Prime Rate and will vary based on your credit history, but will not go below the floor rate of 3.99%. The rate on home equity lines of credit tied to prime are adjusted the 1st day of the following month in which the prime rate change occurs. Maximum APR is 18.00%. (3) Fixed rate may vary based on your credit history, term, and loan to home value. 7.25% APR minimum good on first lien position only. Loan range: $25,000 to $350,000. Terms to 180 months. (4) Fixed rate may vary based on your credit history, term, and loan to home value. 8.41% minimum good on first or second lien position. Loan range: $10,000 to $350.000. Terms to 240 months. Contact us for additional details.

Motorcycle, RV, Boat and Classic Car Loans

Boat loans include motor, trailer & accessories. Classic Cars are based on J.D. Power valuation classifications. All loans are subject to credit approval.
(1) The estimated monthly payment on a $30,000, 60-month loan at 10.49% APR is $645.
(2) Annual Percentage Rate (APR) may change before consummation of the loan. Loan rates are based on credit history, profile, and loan terms.

Land & Lot Loans

(1) Rates and terms are subject to change. All loans are subject to credit approval. For land-only loans, a 1% origination fee applies and cannot be financed into loan. Loan requires full title and full appraisal. Land must be undeveloped (no dwelling/house on property) - either raw land or in a recorded subdivision. Loan is subject to a 10-acre maximum. Must be for personal use (no commercial property). Property must perc (raw land only).(2) Advertised Annual Percentage Rate (APR) may change without notice.

Checking and Savings Accounts

Certificates and IRA Certificates

Money Market Accounts

Money Market rates are accurate as of October 2, 2023. Money Market rates are subject to change weekly. Please see our Account Terms and Deposit Account Agreementfor more information about dividends and your accounts.
(1) APY = Annual Percentage Yield.
(2) The minimum deposit to open a Select Money Market or Select IRA Money Market is $1,000.

Business Checking and Savings Accounts

Business Savings and Checking rates are accurate as of July 1, 2021. Rates are subject to change monthly as determined by the Board of Directors of the Credit Union. Please see our Account Terms andBusiness Deposit Account Agreementfor more information about dividends and your accounts.
(1) APY = Annual Percentage Yield.
(2)The Business Checking account $10 monthly maintenance fee is waived if you maintain a minimum daily balance of $2,500.

Business Money Market and Certificates

Business Money Market rates are subject to change weekly. All Certificate rates are fixed and will not be paid until maturity. A penalty may be imposed for early withdrawal. Certificate and Money Market rates are accurate as of October 2, 2023. Please see our Account Terms andBusiness Deposit Account Agreementfor more information about dividends and your accounts.
(1) APY = Annual Percentage Yield.