Rates effective January 1, 2019
Rates subject to change monthly
Annual Yields are compounded monthly
Credit Union may match CD rates of other Financial Institutions
| Type | Term | Rate | APY* |
|---|---|---|---|
| Certificates of Deposit | 90 Days | 1.00% | 1.004% |
| $1,000 Minimum | 180 Days | 1.30% | 1.307% |
| Early withdrawal penalties may | 365 Days | 1.60% | 1.611% |
| apply to Term Share Accounts | 2 Years | 1.80% | 1.814% |
| (CD's) | 3 Years | 2.10% | 2.120% |
* Annual Percentage Yield Compounded Monthly – Rates subject to change Monthly. Early withdrawal penalties may apply to Term Share Accounts (CD’s). Credit Union may match CD rates of other Financial Institutions.
| Type | Terms | Rate | APY* |
|---|---|---|---|
| IRA's | N/A | 1.20% | 1.206% |
| Regular Shares | N/A | 0.05% | 0.050% |
| Super Share Rates | $2,500.00 - $24,999.99 | 0.05% | 0.050% |
| - | $25,000.00 & Over | 0.10% | 0.100% |
| Club Accounts | N/A | 0.05% | 0.050% |
| Draft Accounts | N/A | 0.05% | 0.050% |
| Type | Term | Rate |
|---|---|---|
| Vehicle Loans | - | - |
| New Vehicle | 2 Years | 3.75% |
| - | 3 Years | 4.00% |
| - | 4 Years | 4.25% |
| - | 5 Years | 4.50% |
| - | 6 Years | 5.25% |
| Pre-Owned | - | - |
| 2014 - 2019 | Up to 5 years | 4.50% |
| 2009-2013 | Up to 4 Years | 5.50% |
| Classic Vehicles | Up to 3 Years | 8.00% |
| Over $25,000.00 | Up to 5 Years | 8.00% |
| Motorcycle Loans | - | - |
| New Motorcycle | Up to 5 Years | 6.00% |
| Pre-owned | N/A | N/A |
| 2014 -2019 | Up to 5 Years | 6.00% |
| 2009-2013 | Up to 4 Years | 7.00% |
| Watercraft Loans | - | - |
| New Watercraft | Up to 7 Years | 5.75% |
| Pre-owned Pre-owned Over $25,000 | Up to 5 Years Up to 10 Years | 6.50% 7.75% |
| New Over $25,00.00 | Up to 10 Years | 7.25% |
| Motorhome / Travel Trailer | - | - |
| New/Pre-owned | Up to 10 Years | 6.00% |
| Farm Equipment | - | - |
| New/Pre-owned | Up to 5 Years | 8.00% |
| Credit Union may match dealership rates for loan types stated above. | - | - |
| Personal Loan Rates | - | - |
| Share Secured | 3 Years | 5.00% |
| CD Secured | N/A | 3.00% |
| - | - | Above CD Rate |
| Personal Loans | 3 Years | 13.00% |
| Over $4,000.00 | Up to 5 Years | 14.00% |
| Personal Loans with Collateral | 3 Years | 10.00%/8.00% A+ rating |
| Mastercard / Gold / Platinum | N/A | 12.99% / 10.99% / 8.99% |
0.50% deduction for payroll deduction or automatic payment. (Excludes personal loans). Add 3.50% for A- loans — Subtract 0.50% for A+ loans. (Excludes personal loans). 1.00% interest rate reduction on new personal loans for each collateralized loan with GPCU.