Mother and daughter meeting with loan officer- membership at 1st Ed

Loan Rates

Loan Rates

Certificate Secured Loans

Info and/or Terms APR
Up to 36 months (as low as) 4.25%*
37 - 60 months (as low as) 5.00%*

*APR = Annual Percentage Rate.  Max: Certificate Balance. Term of loan shall not exceed term of certificate.  Rates subject to change at any time without prior notice.

Share Certificates

Info and/or Terms Interest Rate APY
1-Year Share Certificate 1.539% 1.550%
2-Year Share Certificate 1.638% 1.650%
24-Month Special Share Certificate** 4.169% 4.25%
3-Year Share Certificate 1.687% 1.700%
5-Year Share Certificate 1.884% 1.900%

*APY= Annual Percentage Yield. Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice.

**APY=Annual Percentage Yield. APY is based on the opening balance of the CD. $5,000 minimum balance required to open account; CD opening balance not to exceed $500,000.

Dividends paid monthly and applied to the balance of the certificate.   The APY assumes that all dividends remain on deposit until maturity.  Early withdrawal penalties apply.  Rate is fixed for initial term of certificate.  At time of maturity certificate will automatically renew for a term of 24 months at the prevailing rate.

Not valid with any other offer.  Must be a member.  Other restrictions apply. Rates and terms subject to change at any time without prior notice.  Offer may terminate at any time without prior notice.  Deposits are insured by NCUA up to $250,000.

Special 13-Month Certificate

Info and/or Terms Interest Rate APY
13-Month Share Certificate 4.745% 4.85%

*APY=Annual Percentage Yield. APY is based on the opening balance of the CD. $5,000 minimum balance required to open account; CD opening balance not to exceed $500,000. IRA CDs are not eligible for the 13-month CD.

Dividends paid monthly and applied to the balance of the certificate.   The APY assumes that all dividends remain on deposit until maturity.  Early withdrawal penalties apply.  Rate is fixed for initial term of certificate.  At time of maturity certificate will automatically renew for a term of 12 months at the prevailing rate.

Not valid with any other offer.  Must be a member.  Other restrictions apply. Rates and terms subject to change at any time without prior notice.  Offer may terminate at any time without prior notice.  Deposits are insured by NCUA up to $250,000.

Special 24-Month Certificate

Info and/or Terms Interest Rate APY
24-Month Share Certificate 4.169% 4.25%

*APY=Annual Percentage Yield. APY is based on the opening balance of the CD. $5,000 minimum balance required to open account; CD opening balance not to exceed $500,000.

Dividends paid monthly and applied to the balance of the certificate.   The APY assumes that all dividends remain on deposit until maturity.  Early withdrawal penalties apply.  Rate is fixed for initial term of certificate.  At time of maturity certificate will automatically renew for a term of 24 months at the prevailing rate.

Not valid with any other offer.  Must be a member.  Other restrictions apply. Rates and terms subject to change at any time without prior notice.  Offer may terminate at any time without prior notice.  Deposits are insured by NCUA up to $250,000.

Money Markets

Info and/or Terms Interest Rate APY
Money Market ($500 Min.) 0.250% 0.250%

*APY=Annual Percentage Yield.  Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice. $500 minimum balance required to earn interest on account.

Share Savings

Info and/or Terms Interest Rate APY
Regular Shares 0.05% 0.050%
Special Shares 0.05% 0.050%

*APY= Annual Percentage Yield. Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice.  $5 minimum opening balance held as membership share and cannot be withdrawn without closing membership.

Checking

Info and/or Terms Interest Rate APY
Checking ($100 Min.) 0.05% 0.050%

*APY= Annual Percentage Yield. Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice. $100 minimum balance required to earn interest on account.

IRA Accumulation (Traditional,Roth,Education)

Info and/or Terms Interest Rate APY
IRA Accumulation 0.25% 0.250%

*APY=Annual Percentage Yield.  Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice.

Holiday/Vacation Club (Savings)

Info and/or Terms Interest Rate APY
Holiday/Vacation Club 0.45% 0.451%

*APY=Annual Percentage Yield.  Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice.

New or Used Autos / Cars / Trucks / Motorcycles

Info and/or Terms APR
Up to 36 months (as low as) 5.75%*
37 - 60 months (as low as) 6.25%*
61 - 72 months (as low as) 6.75%*

*APR=Annual Percentage Rate. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of 1st Ed loans do not qualify. Rates subject to change without prior notice.

New or Used Recreational Vehicles/ATVs/Snowmobiles/Trailers

Info and/or Terms APR
Up to 36 months (as low as) 8.25%*
37 - 60 months (as low as) 8.75%*
61 - 72 months (as low as) 9.25%*

*APR=Annual Percentage Rate. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of 1st Ed loans do not qualify. Rates subject to change without prior notice.

Personal/Signature

Info and/or Terms APR
Up to 60 months (as low as) 10.99%*

*APR = Annual Percentage Rate. APR and loan approval based on creditworthiness. Rates subject to change at any time without prior notice.

Visa Credit Cards

Info and/or Terms APR
VISA Classic (as low as) 9.50%
VISA Platinum (as low as) 9.50%

*APR = Annual Percentage Rate.  Credit limit and rate may vary depending on credit score.  Rates are subject to change without prior notice.

Share Secured Loans

Info and/or Terms APR
Up to 36 months (as low as) 3.250%
37 - 60 months (as low as) 3.750%
61-120 months (as low as) 4.750%

*APR= Annual Percentage Rate.  Rates subject to change without prior notice.

Home Equity Loans Fixed Rate Up to 85% LTV

Info and/or Terms APR
5 years - Min: $15,000; Max: $50,000 (as low as) 6.409%*
10 years - Min: $25,000; Max: $250,000 (as low as) 6.034%*
15 years - Min: $50,000; Max: $250,000 (as low as) 6.532%*

*APR=Annual Percentage Rate. APR and loan approval based on creditworthiness, loan term, loan to value ratio and lien position.  Rates are subject to change without prior notice.

Home Equity Lines of Credit Up to 85% LTV

Info and/or Terms APR
Home Equity Lines of Credit (as low as) 4.25%*

Min: $5,000
Max: No Maximum Loan Amount

Your rate may vary from what is listed. Your interest rate will be based on your credit score. In addition, the Loan to Value Ratio and Lien Position are factors in determining rate. Lines of $100,000 or greater must be first lien.

* Promotional offer effective 04/08/2024. $10,000 new money required. After 12 months at 4.25% introductory rate, the interest rate will adjust to as low as Prime Rate minus .50%. Post-introductory rate may vary based on credit score. Prime Rate Effective 07/27/2023 =8.50%. Contact the credit union for complete qualification details. Maximum loan-to-value dependent on credit score. If you close your home equity line of credit within 36 months from the opening date you agree to reimburse the lender for any third party fees the lender paid on your behalf.

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