Rates

Rates as of Wednesday March 29, 2017

All Rates are subject to change.

Savings Rates Reflect Member Rewards.  Loan Rates could be lower with Member Rewards.

Savings

Savings Account Rates

Type of Savings Accounts Rate APY* Minimum Balance
Regular Savings 0.15% 0.15% $5.00
Christmas Club 0.15% 0.15%
Vacation Club 0.15% 0.15%
**Share Draft (Checking) 0.10% 0.10%
Regular IRA 0.20% 0.20%
Roth IRA 0.20% 0.20%
Education IRA 0.20% 0.20%
Money Market Account 0.15% 0.15% up to 2,500.00
Money Market Account 0.20% 0.20% 2,500.01 to 25,000.00
Money Market Account 0.25% 0.25% 25,000.01 to 50,000.00
Money Market Account 0.30% 0.30% over 50,000.00

**Share Draft dividends are paid on $1000 minimum average monthly balance.

All above rates are subject to change without prior notice. Fees could reduce earnings on the account(s).

Vehicle Loan Rates

New Vehicles

Rate could be higher depending on credit.

Up to 100% financing for qualified borrowers- selling price plus Tags, Taxes, Warranty, and GAP Insurance.

Term APR*
1 – 60 Months 2.40%
61 – 72 Months 2.55%
73 – 84 Months** 3.60%

**Loan request must be over $20,000.

Used Vehicles (up to 5 Years Old)

Rate could be higher depending on credit.

Up to 100% of NADA Book Retail Value for qualified borrowers plus Tags, Taxes, Warranty, and GAP Insurance

Term APR*
1 – 60 Months 2.65%
61 – 72 Months 3.30%
73 – 84 Months** 4.80%

**Loan request must be over $20,000.

Used Vehicles (Over 5 Years Old)

Rate could be higher depending on credit.

Average of NADA Retail/Trade Value

Term APR*
1 to 60 months 4.05%
61 to 72 months 4.80%

Home Equity 1st Lien Rates

85% loan to value financing*, no points

Term APR**
Up to 60 Months, loans greater than $10,000 3.55%
Up to 60 Months, loans up to $10,000 3.80%
61 – 120 Months 3.90%
121 – 180 Months 4.15%
Variable 3.75%

*Loan to value is appraised value less first mortgage.
Variable Rate: Adjusted Quarterly; Maximum rate is 15.00% APR**
and minimum rate is 3.00%. Rate is indexed to Prime Rate.  APR**

Home Equity 2nd Lien Rates

85% loan to value financing*, no points

Term APR**
Up to 60 Months, loans greater than $10,000 4.05%
Up to 60 Months, loans up to $10,000 4.30%
61 – 120 Months 4.40%
121 – 180 Months 4.65%
Variable 3.75%

*Loan to value is appraised value less first mortgage.
Variable Rate: Adjusted Quarterly; Maximum rate is 15.00% APR**
and minimum rate is 3.00%. Rate is indexed to Prime Rate.  APR**

Mortgage Rates

Mortgage

The rates and fees for Investment Properties and loan amounts of under $40,000 and more than $417,000 are different*

10 Year Conventional Fixed 3.375% @ 0 Points* (3.587% APR)
3.000% @ 3 Points* (3.856% APR)
15 Year Conventional Fixed 3.500% @ 0 Points* (3.647% APR)
3.000% @ 3 Points* (3.589% APR)
20 Year Conventional Fixed 4.000% @ 0 Points* (4.116% APR)
3.625% @ 3 Points* (4.091% APR)
30 Year Conventional Fixed 4.250% @ 0 Points* (4.335% APR)
3.875% @ 3 Points* (4.214% APR)

FHA

15 Year FHA/VA 3.500% @ 0 Points (4.591% APR)
3.125% @ 3 Points (4.684% APR)
30 Year FHA/VA 3.875% @ 0 Points (4.798% APR)
3.500% @ 3 Points (4.691% APR)

Adjustable Rate Mortgages

1 Year ARM N/A @ 0 Points (N/A)
3 Year ARM 4.000% @ 0 Points (4.468% APR)
5 Year ARM 3.500% @ 0 Points (4.221% APR)
7 Year ARM 3.625% @ 0 Points (4.167% APR)
10 Year ARM 3.875% @ 0 Points (4.195% APR)

Mortgages on investment properties are higher!
Please contact a Mortgage Representative for the interest rates and fees for investment properties and for loans less than $40,000 or more than $417,000.

Personal Loan Rates

Signature Loans

Term APR*
12 Month Short Term Loan 7.90%
EXPRESS 11.00%
Up to 60 Months 9.90%
61-72 Months ($20,000 +) 11.90%
73-84 Months ($20,000 +) 12.50%

All loan rates are subject to change without prior notice. Rate reflects Member Rewards. The actual interest rate you receive could be higher depending on credit.

Combined Signature/Collateral Loan Rates

Rate could be higher depending on credit.

Collateral/Term APR*
50% or More Collateralized; Up to 60 Months 8.99%
50% or More Collateralized; Over 60 Months 9.75%
Less than 50% Collateralized; Over 60 Months 10.75%

VISA Rates

Rate

Loan Type APR*
VISA Classic
VISA Gold
VISA Platinum
12.90%
9.90%
6.90%
APR for Balance Transfers Same as above
APR Cash Advances Same as above
Repayment of Balance for Purchases 25 Days
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle.
How to Avoid Continued We will not charge you any interest on purchases if you pay your entire balance by the due date.
Minimum Interest Charge None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying or using a credit card, visit federalreserve.gov

Fees

Fee APR*
Annual Fee None
Balance Transfer None
Cash Advance None
Foreign Transaction Currently a 1.0% fee is assessed only on International Transactions when a currency conversion occurs. VISA will also impose a 0.8% fee where a conversion is not preformed.
Late Payment
Cash Advance
Over-The-Limit
Returned Payment
$15.00
None
None
$30.00
Cards express mail at member’s request $30.00
Call Fidelity to Pay Bill $10.00
Repayment of Balance for Purchases 25 Days
How to Avoid Paying Interest on Purchases You’re due date is at least 25 days after the close of each billing cycle. We will not charge you in any interest on purchases if you pay your entire balance by the due date.
Minimum Interest Charge None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying or using a credit card, visit federalreserve.gov

The type of card and credit limit will be established based on income, employment and credit report at the time the application is reviewed.

Other Secured Loan Rates

RVs, Boats, Share Secured and Certificate Secured

New 1 – 60 Months 5.99%
New 61 – 72 Months 6.49%
New 73 – 84 Months 7.49%

 

Used 1 – 60 Months 6.74%
Used 61 – 72 Months 7.24%
Used 73 – 84 Months 8.24%

 

Share Secured 3.15%
Certificate Secured Call

100% Financing plus Tax and Tags

Certificate Rates

Share Certificate Rates

Bronze Level

$50 to $9,999
Bronze Bronze Plus
Dep $ min Rate APY* Rate APY*
+.05 with CK/DD
6 Months $500.00 0.15% 0.15% 0.20% 0.20%
12 Months $500.00 0.20% 0.20% 0.25% 0.25%
18 Months $500.00 0.25% 0.25% 0.30% 0.30%
30 Months $500.00 0.30% 0.30% 0.35% 0.35%
60 Months $500.00 1.00.% 1.01% 1.05% 1.06%

Silver Level

$10,000 to $24,999
Silver Silver Plus
Dep $ min Rate APY* Rate APY*
+.05 +.10 with CK/DD
6 Months $500.00 0.20% 0.20% 0.25% 0.25%
12 Months $500.00 0.25% 0.25% 0.30% 0.30%
18 Months $500.00 0.30% 0.30% 0.35% 0.35%
30 Months $500.00 0.35% 0.35% 0.40% 0.40%
60 Months $500.00 1.05% 1.06% 1.10% 1.11%

Platinum Level

$25,000 to $49,999
Platinum Platinum Plus
Dep $ min Rate APY* Rate APY*
+.10 +.15 with CK/DD
6 Months $500.00 0.25% 0.25% 0.30% 0.30%
12 Months $500.00 0.30% 0.30% 0.35% 0.35%
18 Months $500.00 0.35% 0.35% 0.40% 0.40%
30 Months $500.00 0.40% 0.40% 0.45% 0.45%
60 Months $500.00 1.10% 1.11% 1.15% 1.16%

Diamond Level

$50,000 and over
Diamond Diamond Plus
Dep $ min Rate APY* Rate APY*
+.20 +.25% with CK/DD
6 Months $500.00 0.35% 0.35% 0.40% 0.40%
12 Months $500.00 0.40% 0.40% 0.45% 0.45%
18 Months $500.00 0.45% 0.45% 0.50% 0.50%
30 Months $500.00 0.50% 0.50% 0.55% 0.55%
60 Months $500.00 1.20% 1.21% 1.25% 1.26%

IRA Roth & Traditional Certificate Rates

Bronze Level

$50 to $9,999
Bronze Bronze Plus
Dep $ min Rate APY* Rate APY*
+.05 with CK/DD
18 Months $2,000.00 0.25% 0.25% 0.30% 0.30%
30 Months $2,000.00 0.30% 0.30% 0.35% 0.35%
60 Months $2,000.00 1.00% 1.01% 1.05% 1.06%

Silver Level

$10,000 to $24,999
Silver Silver Plus
Dep $ min Rate APY* Rate APY*
+.05 +.10 with CK/DD
18 Months $2,000.00 0.30% 0.30% 0.35% 0.35%
30 Months $2,000.00 0.35% 0.35% 0.40% 0.40%
60 Months $2,000.00 1.05% 1.06% 1.10% 1.11%

Platinum Level

$25,000 to $49,999
Platinum Platinum Plus
Dep $ min Rate APY* Rate APY*
+.10 +.15 with CK/DD
18 Months $2,000.00 0.35% 0.35% 0.40% 0.40%
30 Months $2,000.00 0.40% 0.40% 0.45% 0.45%
60 Months $2,000.00 1.10% 1.11% 1.15% 1.16%

Diamond Level

$50,000 and over
Diamond Diamond Plus
Dep $ min Rate APY* Rate APY*
+.20 +.25% with CK/DD
18 Months $2,000.00 0.45% 0.45% 0.50% 0.50%
30 Months $2,000.00 0.50% 0.50% 0.55% 0.55%
60 Months $2,000.00 1.20% 1.21% 1.25% 1.26%

Education IRA Certificate Rates

Bronze Level

$50 to $9,999
Bronze Bronze Plus
Dep $ min Rate APY* Rate APY*
+.05 with CK/DD
18 Months $500.00 0.25% 0.25% 0.30% 0.30%
30 Months $500.00 0.30% 0.30% 0.35% 0.35%
60 Months $500.00 1.00% 1.01% 1.05% 1.06%

Silver Level

$10,000 to $24,999
Silver Silver Plus
Dep $ min Rate APY* Rate APY*
+.05 +.10 with CK/DD
18 Months $500.00 0.30% 0.30% 0.35% 0.35%
30 Months $500.00 0.35% 0.35% 0.40% 0.40%
60 Months $500.00 1.05% 1.06% 1.15% 1.16%

Platinum Level

$25,000 to $49,999
Platinum Platinum Plus
Dep $ min Rate APY* Rate APY*
+.10 +.15 with CK/DD
18 Months $500.00 0.35% 0.35% 0.40% 0.40%
30 Months $500.00 0.40% 0.40% 0.45% 0.45%
60 Months $500.00 1.10% 1.11% 1.15% 1.16%

Diamond Level

$50,000 and over
Diamond Diamond Plus
Dep $ min Rate APY* Rate APY*
+.20 +.25% with CK/DD
18 Months $500.00 0.45% 0.45% 0.50% 0.50%
30 Months $500.00 0.50% 0.50% 0.55% 0.55%
60 Months $500.00 1.20% 1.21% 1.25% 1.26%