Rates

Checking Accounts

Preferred Checking 0.05% APY
Advantage Checking 1.00% APY on average daily balances of $7,500 or less
  0.01% APY on portions over $7,500

 

Money Market - Market Yield

$100,000 and above 0.30% APY
$50,000-$99,999.99 0.25% APY
$25,000-$49,999.99 0.15% APY
$0-24,999.99 0.05% APY

 

CDs $50,000 and up

6 months 0.20% APY
12 months 0.25% APY
18 months 0.30% APY
24 months 0.40% APY
36 months 0.50% APY
60 months 0.90% APY

 

CDs $2,500 - $24,999.99

6 months 0.10% APY
12 months 0.15% APY
18 months 0.20% APY
24 months 0.30% APY
36 months 0.40% APY
60 months 0.80% APY

 

Share Savings, Holiday and Vacation Clubs, Moola Moose Club & Compass Club

$25,000 and above 0.15% APY
$2,500 - $24,999.99 0.10% APY
$5 - $2,499.99 0.10% APY

 

Money Market - Market Demand

$25,000 and above 0.15% APY
$2,500-$24,999.99 0.10% APY
$0-2,499.99 0.05% APY

 

CDs $25,000 - $49,999.99

6 months 0.15% APY
12 months 0.20% APY
18 months 0.25% APY
24 months 0.35% APY
36 months 0.45% APY
60 months 0.85% APY

 

Coverdell Education Saving Account Certificates

6 months 1.10% APY
12 months 1.15% APY
18 months 1.20% APY
24 months 1.30% APY
36 months 1.40% APY
60 months 1.80% APY

 

 

APY = Annual Percentage Yield

Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY.

Yields for all share savings accounts (above) are declared quarterly by the Board of Directors. Dividends are paid retroactively and based on earnings for the period. The dividend yield listed is for the period ending 12/31/2013.

Yields for other deposit products are declared and paid monthly.

Fees may reduce earnings.

For CDs, a penalty may be imposed for withdrawals before maturity.

Federally insured by NCUA.

 

New Vehicle Loans

For Driving Sense & Auto Equity Programs, contact a Financial Service Advisor.

Up to 29 months 1.99% APR*
30 - 41 months 2.49% APR*
42 - 53 months 2.79% APR*
54 - 65 months 2.99% APR*
66 - 72 months 3.99% APR*

 

Used Vehicle Loans (2007 models or newer)

For Driving Sense, Auto Equity Programs and used vehicles older than six model years, contact a Financial Service Advisor.

Up to 62 months 2.99% APR*
63 - 66 months 3.49% APR*
67 - 72 months 3.99% APR*

 

Motorcycle Loans

New (as low as) 4.99% APR*
Used (as low as) 5.25% APR*
 

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. No annual fee.


Fixed-Rate VISA Credit Cards

as low as

Platinum Rate 8.99% APR*
Platinum Premier 10.25% APR*
Classic 12.25% APR*

 

 

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. No annual fee.


Home Equity Loans

Borrow up to 85% of your home's equity
5-year fixed 3.49% APR*
10-year fixed 4.99% APR*
15-year fixed 5.49% APR*

 

Home Access Loans

Borrow up to 100% of your home's equity
7-year fixed 8.49% APR*

 

 

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Offer valid on Illinois residences only. Fixed rate repayment example: 5.49% APR for 120 months is $10.85 per $1,000 borrowed.


Home Equity Line Of Credit

Borrow up to 85% of your home's equity
Line of Credit 4.00% APR*

 

Home Access Line of Credit

Borrow up to 100% of your home's equity
Line of Credit (variable) 7.00% APR*

 

 

*APR = Annual Percentage Rate. Home Access Line of Credit carries a variable rate, loans are subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Rates are subject to change. The rate is set and adjusted each January and July 1st based on the Prime Rate as published in The Wall Street Journal plus a margin of -.50% for Home Equity Loan and 2.00% for Home Access Loan. Your margin may vary based on your credit qualifications. As of 10/2/12 the Prime Rate was 3.25% APR. **These reflect product floor rates and are higher than the index plus margin.


Share Secured

Rates as low as 3.99% APY
Up to 24 months 3.99% APR*
Up to 36 months 4.49% APR*
Up to 48 months 4.99% APR*
Up to 60 months 5.29% APR*

 

Stock Secured

Rates as low as 6.79% APY
Up to 24 months 6.79% APR*
Up to 36 months 6.99% APR*
Up to 60 months 7.99% APR*

 

 

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change. Repayment examples: Share Secured is 4.49% APR for 36 months is $29.75 per $1,000 borrowed and Stock Secured is 6.99% APR for 36 months is $30.88 per $1,000 borrowed.


Signature Loans

Signature 9.99% APR*

 

 

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change. Repayment example: 9.99% APR for 36 months is $32.26 per $1,000 borrowed.