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Loans | Savings | Certificates

Rates can be as low as the following:

 

Loans Rate APR* Term  
New & Used Vehicle 4.25 4.25  48 Calculator
VISA Bonus Point Platinum Card 8.90 8.90 n/a Calculator
New Recreational/RV/Farm Equipment 4.50 4.50 48 Calculator
Used Recreational/RV/Farm Equipment (Less than 4 years old) 4.50 4.50 48 Calculator
Call AOD for Today's Current Mortgage Rates!     n/a Calculator
Signature Loans 8.25 8.25 36 Calculator

 

* APR - Annual Percentage Rate

Your exact ANNUAL PERCENTAGE RATE for a signature or secured loan will be determined at the time you apply for a particular loan, based upon the term of the loan and your creditworthiness at that time and will be disclosed on your Advance Request Voucher/Disbursement Voucher. New vehicle and RV loans are available for estimated terms up to 72 months with a minimum advance of $15,000 for terms greater than 60 months. Vehicle loans are available for estimated terms between 73 to 84 months with a minimum advance of $25,000 and the vehicle must have less than or equal to 30,000 miles.  Loans for vehicles older than 2005 will be subject to different terms and rates than listed.  RV loans are available for estimated terms up to 84 months. All rates are variable and may change based on credit history.  Rates accurate as of: 
November  01, 2008




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Savings rates subject to change without notice after account is opened:

 

Savings Dividend Rate APY* Term
IRA Club (Minimum deposit of $100) 1.736 1.750 n/a
Christmas Club 1.736 1.750 n/a
Share Savings 1.736 1.750 n/a
Dividend Draft (Minimum balance to earn dividends of $500) 0.747 0.750 n/a

 

*APY - Annual Percentage Yield

You will receive a comprehensive periodic statement listing the APY, amount of dividends paid on the account, fees imposed (itemized by type and dollar amount), the balance and all transactions on your account.
The APY is based on the assumption that a $25 minimum balance and other requirements will be met. Your statement will show the actual APY. This may be different from the APY if the actual conditions are different from the above assumptions. The above rate may change after the account is opened. Fees incurred could reduce the earnings on the account. Please check your Member Services Agreement Booklet for additional terms and conditions. Rates are accurate as of:
November  01, 2008


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Certificate rates subject to change without notice:

 

Certificates Dividend Rate Dividend Frequency APY*

Minimum Deposit

Term
6 Month Certificate 3.203 Monthly 3.25  $500  6
12 Month Certificate 3.251 Monthly  3.30 $1000 12
18 Month Certificate** 3.300 Monthly 3.35

$1000

18
24 Month Certificate 3.300 Monthly 3.35 $1000 24
36 Month Certificate 3.348 Monthly 3.40 $1000 36
48 Month Certificate 3.397 Monthly 3.45 $1000 48
60 Month Certificate

3.445

Monthly 3.50 $1000 60
18 Month IRA Certificate 3.300 Monthly 3.35 $2000 18
36 Month IRA Certificate 3.348 Monthly  3.40 $2000 36
48 Month IRA Certificate 3.397 Monthly 3.45 $2000 48
60 Month IRA Certificate 3.445 Monthly  3.50 $2000 60

 

*APY - Annual Percentage Yield

**Renewal Rate only, no new 18 month Certificates.  You will receive a comprehensive periodic statement listing the APY, amount of dividends paid on the account, fees imposed (itemized by type and dollar amount), the balance and all transactions on your account. The APY is based on the assumption that minimum balance and other requirements will be met. Your statement will show the actual APY. This may be different from the APY if the actual conditions are different from the above assumptions. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. A penalty will be imposed for early withdrawal. Please check your Member Services Agreement Booklet for additional terms and conditions. Rates are accurate as of:
November  01, 2008


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