Savings & Deposit Accounts
| Name | Dividend Rate | Annual Percentage Yield APY | Minimum Opening Deposit | Minimum Balance to Avoid Service Fees | Minimum Balance to Earn Stated APY | Balance 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. | ||||||
| Name | Rate | APY | Minimum Opening Deposit | Minimum Balance to Avoid Service Fees | Minimum Balance to Earn Stated APY | Balance 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. | ||||||
| Name | Rate | APY | Minimum Opening Deposit | Minimum Balance to Avoid Service Fees | Minimum Balance to Earn Stated APY | Balance 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. | ||||||
| Name | Rate | APY | Minimum Opening Deposit | Minimum Balance to Avoid Service Fees | **Minimum Balance to Earn Stated APY | Balance 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. | ||||||
| Name | Rate | APY | Minimum Opening Deposit | Minimum Balance to Avoid Service Fees | Minimum Balance to Earn Stated APY | Balance 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. | ||||||
| Term | Minimum Balance | Rate | APY* |
|---|---|---|---|
| 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. | |||
| Term | Available Options | Rate | APY |
|---|---|---|---|
| 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.
| |||
| Term | Minimum Opening Deposit | Rate | APY* |
|---|---|---|---|
| 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.
| |||
| Name | Rate | APY | Minimum Opening Deposit | Minimum Balance to Avoid Service Fees | Minimum Balance to Earn Stated APY | Balance 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. | ||||||
| Term | Minimum Opening Deposit | Rate | APY* |
|---|---|---|---|
| 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. | |||
Loans
Consumer Loans
| Type of Loan | Annual Percentage Rate* |
|---|---|
| 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. | |
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.
| Name | Loan Amount | Annual Percentage Rate for Cash Advances, Balance Transfers and Purchases |
|---|---|---|
| Visa® Platinum | $5,000 - $20,000 | 9.49% 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 12.18.24 = 7.50%. 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. | ||
| Type of Loan | Annual Percentage Rate* |
|---|---|
| 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 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. |
| Type | Loan To Value | Annual Percentage Rate |
|---|---|---|
| HELOC | Up to 90% | 7.50% - 12.50% |
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. 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 12.18.24 = 7.50%. 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 | ||
| Term | Maximum LTV | Annual 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. 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. | ||
| 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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