Rates

Vehicle Loans

Cars and Trucks

Cars and Trucks / New and Program
Term APR* Credit Rating
N/A as low as 3.00% A+
Used Cars
Term APR* Credit Rating
N/A as low as 3.75% A+
Boats, Jet Skis & Motorcycles
Term APR* Credit Rating
Up to 120 Months as low as 6.75% A+
RV’s & Campers
Term APR* Credit Rating
Up to 144 months as low as 7.00% A+

Personal Loans

Share/CD Secured Loans

Share/CD Secured Loans
Product Term APR* Credit Rating
SHARES Up to 48 months 2.5% + share/cd rate A+
CD SECURED Loan Rate Renews @ end of CD term 2.5% + share/cd rate A+

Signature Loans

Signature Loans
Term APR* Credit Rating
Up to 48 months as low as 11.00% A+

Open Line of Credit Loans

Open Line of Credit Loans
Term APR* Credit Rating
No Set Term – requalifies every 3 years 15.00% A+ – B

Overdraft Protection Loans

Overdraft Protection Loans
Term APR* Credit Rating
up to 30 months/requalifies every 3 year 15.00% A+ – B

Real Estate

Real Estate Loans

Real Estate Loans
Product Term APR* Credit Rating
FIRST MORTGAGE 5 year balloon/30 year amortization market A
CONSTRUCTION 5 year balloon/30 year amortization market A

Real Estate Loans / 2nd Mortgage / Lot Loans

Real Estate Loans / 2nd Mortgage / Lot Loans
Term APR* Credit Rating
up to 120 months market A
lot loans – up to 144 months – up to 100% financing market A

Home Equity Line of Credit

Home Equity Line of Credit
Term APR* Credit Rating
60/120 months Prime A

Deposits

Savings

Savings
Product Dividend/Interest Rate APY* Term
Regular Shares 0.20 0.20 n/a
Lucky Lagniappe Savings 0.10 0.10 n/a
Special Shares/Vacation Club 0.05 0.05 n/a
Christmas Club 0.05 0.05 n/a
L’argent Money Market
$500-$10,000 0.30 0.30 n/a
 $10,000-$25,000 0.40 0.40 n/a
$25,000 and up 0.50 0.50 n/a
IRA/ Regular Shares 0.45 0.45  n/a

Checking

Checking
Product Dividend/Interest Rate APY* Term
Prestige Checking 0.15 0.15 n/a

CDs & IRAs

CDs & IRAs
Product Dividend/Interest Rate APY* Term
CDs (Minimum Deposit $1000)
6 Month Certificate 0.50 0.50 6
12 Month Certificate 1.00 1.00 12
18 Month Certificate 1.00 1.00 18
24 Month Certificate 2.00 2.02 24
36 Month Certificate 2.75 2.78 36
48 Month Certificate 3.00 3.04 48
60 Month Certificate 3.25 3.30 60
IRAs
24 Month Certificate 2.00 2.02 24
36 Month Certificate 2.75 2.78 36
48 Month Certificate 3.00 3.04 48
60 Month Certificate 3.25 3.30 60

*APR = Annual Percentage Rate. All Secured Loans are available for an estimated term of 12, 24, 36, 48, 60 or 72 months. Your exact ANNUAL PERCENTAGE RATE for a signature or secured loan will be determined at the time you apply for a particular loan, based upon your credit worthiness at that time and will be disclosed on your Advance Request Voucher/Disbursement Voucher.

*APY = Annual Percentage Yield. ALL SAVINGS ACCOUNTS ARE FEDERALLY INSURED THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA),
AN AGENCY OF THE U.S. GOVERNMENT

THE EMERGENCY ECONOMIC STABILIZATION ACT OF 2008, SIGNED INTO LAW ON OCTOBER 3, 2008, INCREASED THE INSURANCE COVERAGE ON ALL ACCOUNTS UP TO $250,000.00 THROUGH DECEMBER 31, 2009.

ALSO, PREVIOUS LEGISLATION THAT INCREASED NCUSIF COVERAGE FOR RETIREMENT ACCOUNTS ALSO HAS A PROVISION FOR POTENTIAL INCREASES IN THE INSURANCE LIMITS ON ALL SHARE ACCOUNTS, INCLUDING RETIREMENT ACCOUNTS, EVERY FIVE YEARS. THIS PROCESS WILL BEGIN IN 2011. CHANGES, IF THEY OCCUR AT ALL, WILL BE BASED, IN PART, ON INFLATION.