Rates

Savings & Deposit Accounts

Share Account Rates

Share Account Rates
Effective Date: Monday, April 1, 2023
NameDividend RateAnnual Percentage Yield APYMinimum Opening DepositMinimum Balance to Avoid Service FeesMinimum Balance to Earn Stated APYBalance Method
Share/All About Me
Tier I 0.00% 0.00% $5.00 $0.00 $0-$25 Daily
Tier II 0.00% 0.00% $5.00 $0.00 $25.01- $250 Daily
Tier III 0.10% 0.10% $5.00 $0.00 $250.01 - $1,000 Daily
Tier IV 0.15% 0.15% $5.00 $0.00 $1,000.01 & over Daily

Dividend Rate and Annual Percentage Yield were accurate as of the effective date above. Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. All deposits are federally insured up to $250,000.00 by the National Credit Union Administration (NCUA), a U.S. Government agency. Please visit their site for details. If you have any questions or require assistance, please call the Credit Union at 757.333.7787.

Disclosures and other details.

Long John Saver & The Pipeline Account Rates
Effective Date: Monday, April 1, 2023
NameRateAPYMinimum Opening DepositMinimum Balance to Avoid Service FeesMinimum Balance to Earn Stated APYBalance Method
Share/Long John Saver & The Pipeline
Long John Saver & The Pipeline 0.15% 0.15% $5.00 $0.00 $5.00 Daily

Dividend Rate and Annual Percentage Yield were accurate as of the effective date above.  Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement.  All deposits are federally insured up to $250,000.00 by the National Credit Union Administration (NCUA), a U.S. Government agency. Please visit their site for details.  If you have any questions or require assistance, please call the Credit Union at 757.333.7787.

Disclosures and other details.

Share Vacation & Holiday Rates
Effective Date: Monday, April 1, 2023
NameRateAPYMinimum Opening DepositMinimum Balance to Avoid Service FeesMinimum Balance to Earn Stated APYBalance Method
Share/Vacation & Holiday
Holiday & Vacation 0.15% 0.15% $5.00 $0.00 $5.00 Daily

Dividend Rate and Annual Percentage Yield were accurate as of the effective date above.  Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement.  All deposits are federally insured up to $250,000.00 by the National Credit Union Administration (NCUA), a U.S. Government agency. Please visit their site for details.  If you have any questions or require assistance, please call the Credit Union at 757.333.7787.

Disclosures and other details.

Checking Account Rates

Checking Account Rates
Effective Date: Monday, April 1, 2023
NameRateAPYMinimum Opening DepositMinimum Balance to Avoid Service Fees**Minimum Balance to Earn Stated APYBalance Method
Checking Account 0.05% 0.05% $0.00 $0.00 $500.00 Daily

Dividend Rate and Annual Percentage Yield were accurate as of the effective date above.  Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement.  All deposits are federally insured up to $250,000.00 by the National Credit Union Administration (NCUA), a U.S. Government agency. Please visit their site for details.  If you have any questions or require assistance, please call the Credit Union at 757.333.7787.

Disclosures and other details.

Money Market Account Rates

Money Market Account Rates
Effective Date: Wednesday, November 1, 2023
NameRateAPYMinimum Opening DepositMinimum Balance to Avoid Service FeesMinimum Balance to Earn Stated APYBalance Method
Tier I 0.15% 0.15% $2,500.00 $0.00 $0 -$2,499.99 Daily
Tier II 0.60% 0.60% $2,500.00 $0.00 $2,500 -$9,999.99 Daily
Tier III 0.75% 0.75% $2,500.00 $0.00 $10,000 -$24,999.99 Daily
Tier IV 1.10% 1.11% $2,500.00 $0.00 $25,000 -$99,999.99 Daily
Tier V 1.70% 1.71% $2,500.00 $0.00 $100,000 & over Daily

Dividend Rate and Annual Percentage Yield were accurate as of the effective date above.  Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement.  All deposits are federally insured up to $250,000.00 by the National Credit Union Administration (NCUA), a U.S. Government agency. Please visit their site for details.  If you have any questions or require assistance, please call the Credit Union at 757.333.7787.

Disclosures and other details.

Share Certificate Rates

Share Certificates Rates
Effective Date: Tuesday, February 20th, 2024
TermMinimum BalanceRateAPY*
6 months $500.00 1.03% 1.03%
12 months $500.00 1.17% 1.18%
30 months $500.00 1.34% 1.35%
60 months $500.00 4.13% 4.19%
91 days $1,000.00 0.90% 0.90%
6 months $1,000.00 1.92% 1.92%
12 months $1,000.00 2.56% 2.58%
18 months $1,000.00 2.78% 2.81%
30 months $1,000.00 2.93% 2.96%
6 months $10,000.00 1.55% 1.55%
12 months $10,000.00 4.40% 4.47%
18 months $10,000.00 4.40% 4.47%
24 months $10,000.00 4.25% 4.32%
30 months $10,000.00 4.30% 4.37%

*APY = Annual Percentage Yield.  Dividend Rate and Annual Percentage Yield were accurate as of the effective date above.  Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Declared minimum balance is required to both open the account and earn the stated APY.  Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. Federally insured by NCUA. Early withdrawal penalties may apply. If you have any questions or require assistance, please call the Credit Union at 757.333.7787.

Youth Share Certificate Rate
Effective Date: Thursday, June 29, 2023
Part of Long John Saver Kids Club & Pipeline for Teens
TermAvailable OptionsRateAPY
60 months $50 and $100 only 4.91% 5.00%

*APY = Annual Percentage Yield.  Dividend Rate and Annual Percentage Yield were accurate as of the effective date above.  Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Declared minimum balance is required to both open the account and earn the stated APY.  Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. Federally insured by NCUA. Early withdrawal penalties may apply. If you have any questions or require assistance, please call the Credit Union at 757.333.7787.

 

Me Too Share Certificate Rate
Effective Date: Thursday, June 29, 2023
Part of our All About Me & Long John Saver Kids Club
TermMinimum Opening DepositRateAPY*
See disclosure $50.00 1.34% 1.35%

*APY = Annual Percentage Yield.  Dividend Rate and Annual Percentage Yield were accurate as of the effective date above.  Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Declared minimum balance is required to both open the account and earn the stated APY.  Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. Federally insured by NCUA. Early withdrawal penalties may apply. If you have any questions or require assistance, please call the Credit Union at 757.333.7787.

 

IRA Share & IRA Share Certificate Rates

IRA Share Rates
Effective Date: Sunday, January 1, 2023
NameRateAPYMinimum Opening DepositMinimum Balance to Avoid Service FeesMinimum Balance to Earn Stated APYBalance Method
IRA Share 0.50% 0.50% $0.00 $0.00 $0.00 Daily

Dividend Rate and Annual Percentage Yield were accurate as of the effective date above.  Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. This Credit Union is federally insured by the National Credit Union Administration (NCUA), a U.S. Government agency. Please visit their site for details. If you have any questions or require assistance, please call the Credit Union at 757.333.7787.

Disclosures and other details

IRA Share Certificate Rates
Effective Date: Tuesday, February 20th, 2024
TermMinimum Opening DepositRateAPY*
12 months $500.00 2.16% 2.16%
12 months $2,500.00 4.45% 4.45%

*APY = Annual Percentage Yield.  Dividend Rate and Annual Percentage Yield were accurate as of the effective date above.  Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Declared minimum balance is required to both open the account and earn the stated APY.  Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. Federally insured by NCUA. Early withdrawal penalties may apply. If you have any questions or require assistance, please call the Credit Union at 757.333.7787.

Disclosures and other details.

Loans

Consumer Loans 

Auto Loan Rates

Auto & Recreational Vehicle Loan Rates
Effective Date: Wednesday, May 1, 2024
Type of LoanAnnual Percentage Rate*
Apply for a loan online
Vehicles: New, Used & Classic 3.25% - 17.99%
Recreation Vehicles: New & Used Boats, RV's & Travel Trailers 6.25% - 17.99%

*Annual Percentage Rate (APR) varies according to loan term and loan amount. All loans are subject to approval. Some restrictions may apply. Rates are subject to change without notice. Rates are accurate as of the effective date above.  Relationship discounts may apply; however, a floor rate of 2.75% APR is in effect. Floor rate does not apply to Certificate or Share Secured loans.  Rates, terms and conditions are subject to change and may vary based on credit score, qualifications and collateral conditions. Please contact us for details.

Auto Loan Calculator

What would my auto payments be?

Many factors go into determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer's rebate, the trade-in value of your old vehicle less any outstanding balance, your down payment, etc. Once the loan amount is determined the interest rate and the term of the loan will be used to estimate your vehicle payment.

Loan Amount

Assumptions

 

Credit Card Rates

Credit Card Rates
Effective Date: Sunday, October 1, 2023
NameLoan AmountAnnual Percentage Rate for Cash Advances, Balance Transfers and Purchases
Apply Now
Visa® Platinum $5,000 - $20,000 10.49% Variable*
Mastercard Gold $2,500 - $15,000 12.99%
Mastercard Classic $250 -$7,500 14.49%
Take Charge Secured Mastercard $250-$1,000 based on amount of secured funds 15.24%

Application and Solicitation Disclosure

Card-type issued is determined by credit history. Lines of credit are subject to approval. Please refer to your credit card disclosures for additional information. *Variable Annual Percentage Rate (APR) is based on the index of prime plus margin. Prime as of  08.15.2023 = 8.50%. Rate is subject to change quarterly. Rates are accurate as of the effective date above. Rates are subject to change without notice. Rates, terms and conditions are subject to change and may vary based on credit score, qualifications and collateral conditions. Please contact us for details.

Personal Loan Rates

Personal Loan Rates
Effective Date: Monday, August 1, 2023
Type of LoanAnnual Percentage Rate*
Apply for a loan online
Unsecured Personal Loans 8.95% - 17.95%
Line of Credit Loans 8.95% - 17.95%
Overdraft Line of Credit Loans 9.95% - 17.95%
Share Secured Loans 3.00% above share dividend rate in effect at the time of loan
Certificate Secured Loans 2.00% above share dividend rate in effect at the time of loan

*APR=Annual Percentage Rate. All loans are subject to approval. Some restrictions may apply. Rates are subject to change without notice. Rates are accurate as of the effective date above. Relationship discounts may apply; however, a floor rate of 2.75% APR is in effect. Floor rate does not apply to Certificate or Share Secured loans. Rates, terms and conditions are subject to change and may vary based on credit score, qualifications and collateral conditions. Please contact us for details.


Real Estate Loans 

First Mortgage Rates

First Mortgages
Effective Date: Thursday, May 23rd, 2024
First Mortgages

Rates are subject to change daily. To access today's first mortgage rates, please click here or call our Mortgage Department at 877.349.5086.

Apply Online

Home Equity Lines of Credit Rates

Home Equity Lines of Credit Rates*
Effective Date: Sunday, October 1, 2023
NO CLOSING COSTS**
TypeLoan To ValueAnnual Percentage Rate
Apply Online
HELOC Up to 90% 8.50% - 13.50%

Rates apply to owner-occupied property only. For investment or unimproved property rates and terms, or for LTVs above 90%, please contact the Mortgage Department.

LTV = Loan To Value.
APR = Annual Percentage Rate.

Rates are accurate as of the effective date above and are subject to change without notice. Fees and closing costs may be incurred. Fee amounts based on appraisals, loan amount, flood certifications, title insurance and other determining factors. Rates may vary based on credit score, loan term and amount and collateral conditions (LTV). Please contact the Mortgage Department for complete details. Maximum APR is 18.00%. Minimum APR not to go below our current floor rate of 4.00%.  

*Variable equity line rate is based on the index of prime plus margin. Prime as of 08.15.2023 = 8.50%. Rate is subject to change quarterly.

**The Credit Union pays all closing costs except for the appraisal fee. Reimbursement of all closing costs required if the loan is paid off and closed within two years of funding. 

HELOC Payment Examples
Up to 90% LTV based on a loan amount of $50,000.
Maximum payment of $625 for all rates.
HELOC payment is based on $12.50 per $1,000 borrowed with a minimum payment of $100.

Second Mortgage Rates

Second Mortgage Rates
Effective Date: May 1, 2024
NO CLOSING COSTS*
TermMaximum LTVAnnual Percentage Rate
0-60 months up to 90% 5.50% - 8.00%
61-120 months up to 90% 6.25% - 8.75%
121 - 180 months up to 90% 7.00% - 9.50%

Rates apply to owner-occupied property only. For investment or unimproved property rates and terms, or for LTVs above 90%, please contact the Mortgage Department.

LTV = Loan To Value.
APR = Annual Percentage Rate.

Rates are accurate as of the effective date above and are subject to change without notice. Fees and closing costs may be incurred. Fee amounts based on appraisals, loan amount, flood certifications, title insurance and other determining factors. Rates may vary based on credit score, loan term and amount and collateral conditions (LTV). Please contact the Mortgage Department for complete details. Maximum APR is 18.00%. Minimum APR not to go below our current floor rate.  

*The Credit Union pays all closing costs except for the appraisal fee. Reimbursement of all closing costs required if the loan is paid off in full within two years of funding. 

Second Mortgage Payment Examples

up to 80% LTV with a base loan amount of $50,000
Term Average Rate Payment
60 months 6.00% $967.02
61 months 6.75% $971.03
120 months 6.75% $574.44
121 months 7.50% $590.57
180 months 7.50% $463.83
up to 90% LTV with a base loan amount of $50,000
Term Average Rate Payment
60 months 6.50% $978.72
61 months 7.25% $982.88
120 months 7.25% $587.35
121 months 8.00% $603.76
180 months 8.00% $478.18

 

 

 

 

 

 

 

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