The interest rate on shares and loans are as follows:

* Your debt ratio may impact the interest rate on the loan, although the rate on the selected loans may vary after you are approved, it will never exceed 15% (the maximum allowable for this loan).*

All loans are subject to credit approval. Some restrictions may apply.

Deposits to Shares (Savings)  
Deposits can be made by automatic payroll deduction, direct deposit, certified check, money order or cash.

A member must maintain a minimum of $50.00 in shares to keep their account open.     
          

Share (Savings) Withdrawals  
Share withdrawals can be made at any time by telephone, using our 24 hr. Teller-By-Touch service, Debit Card (ATM), or by visiting the Credit Union office.

When using the Teller-By-Touch, a member must have a pin number in order to access his or her account.

The minimum amount allowed for share withdrawals is $20.00.      
     

Interest on Shares (Annual Percentage Yield)  
The Credit Union pays dividend on a monthly basis compounded daily. The rate of dividend that is paid at any period is determined by the earnings of the Credit Union, therefore no rate of dividend is guaranteed.

The current dividend rate being paid on shares is 1.50% or 1.51% APY (Annual Percentage Yield).

The minimum balance required to earn the APY is $5.00.     
     

INTEREST ON LOANS:	APR
Payday Loan	18.00%
Share Secured Loan	5.00%
Auto Loan	8.00%	*
Emergency Loan	8.00%	*
Vacation Loan	12.00%	*
Auto Insurance Loan	12.00%	*
Christmas Loan	12.00%	*
Carnival Loan	12.00%	*
Education Loan	12.00%	*
Signature Loan	13.00%	*
In-House Consolidation	13.00%	*
Consolidation Loan	13.00%	*
Revolving Credit Loan	13.00%	*