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Rates

New and Used Vehicles

As of January 1, 2025 

  Loan Term (Year of Vehicle)   Daily Periodic 
 as low as		  APR
 as low as 
New Vehicles (Model Years: 2023 and Newer)
- Term of 72 months or less*
- Term of 73 to 84 months* 
.015041% 
.016411%
5.49%* 
5.99%*

Used Vehicles (Model Years: 2021 and Newer) 
- Term of 66 months or less* 
- Term of 67 to 72 months*

 -Term of 73 to 78 months*
- Term of 79 to 84 months*


.015041%
.016411%

.017096%
.017781%


5.49%* 
5.99%* 

6.24%*
6.49%*

Used Vehicles (Model Years: 2019-2020) 
- Term of 60 months or less*

- Term of 61 to 66 months

- Term of 67 to 78 months


.015041% 

.016411%      

.017781%  


5.49%*

5.99%*

6.49%*

Used Vehicles (Model Years: 2016-2018) 
- Term of 48 months or less*

- Term of 49 to 54 months

-Term of 55 to 66 months


.015041%

.016411%

.017781%


5.49%*

5.99%*

6.49%*

Used Vehicles (Model Years: 2015 and Older) 
- Term of 36 months or less*

- Term of 37 to 42 months

- Term of 43 to 48 months    


.017781%

.019151%

.020521%


6.49%*

6.99%*

7.49%*

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RV's/Boats

  Loan Term  APR as low as 
120 months or less (less than 10 years old)*    7.39%
121 months to 180 months (less than 10 years old)*            8.39%
60 months or less (10 years and older)* 10.39%

Others

  Loan Term  APR as low as 
Personal*  APR as low as  9.74%
Share (saving) Secured*          APR as low as 2.80%
Checking Account Lines of Credit 14.0% APR
1st Mortgage Call for Rates
Home Equity Lines of Credit - Prime rate plus 0 (variable rate)    Call for Rates
VISA 14.99% APR
Grade School, High School and College Tuition Loans* APR as low as 5.24%
Mobile Homes - New* APR as low as 9.14%
Mobile Homes - Used* APR as low as 10.64%

APR = Annual Percentage Rate

*Rates are subject to change. Actual rate and term are based on each individual members credit worthiness and collateral being offered. Terms or conditions may apply. Please contact a credit union loan processor/officer for details. For more information contact the credit union at 419-407-4140.

Deposit and Investment Accounts, Rates and Terms

Share & Share Draft

As of January 1, 2025 

 Account Type      Dividend  Rate  /  Annual Percentage Yield (APY)
 Regular Share*  0.05%  /  0.05%

 Share 02*

 Share 03*  

  0.05%  /  0.05%
 Holiday Club*  0.05%  /  0.05%
 Vacation Club*  0.05%  /  0.05%
 Spring Vacation Club*  0.05%  /  0.05%
 IRA Share*  1.00%  /  1.00%
 Young Savers Club*  0.05%  /  0.05%
 Escrow*  0.05%  /  0.05%
 Money Management*

$5.00 to $9,999.9

0.05%  /  0.05%

 

$10,000.00 to $24,999.99

1.25%  /  1.26%

 

$25,000.00 or greater

2.75%  / 2.78%
 Share Draft
 0.01%  /  0.01%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

*Account transfer and withdrawal limitations apply.

Certificate & IRAs*

As of February 5, 2024 

Term Share Certificate Accounts Dividend Rate % Annual Percentage Yield (APY) %
 6 Month  1.98% 2.00%
 12 Months (1 Year)  2.96% 3.00%
 18 Months  2.96% 3.00%
 24 Months (2 Year)  2.96% 3.00%
 36 Months (3 Year)  3.20% 3.25%
 48 Month (4 Year)  3.20%  3.25%
 IRA Certificate Accounts    
 12 Months (1 Year)  2.96%  3.00%
 18 Months  2.96%   3.00% 
 24 Months (2 Year) 2.96%   3.00% 
 36 Months (3 Year)  3.20%  3.25%
 48 Month (4 Year)  3.20%    3.25% 
 Young Savers Certificate Accounts    
 12 Months (1 Year)  0.55%  0.55%

 

 

 

 

 

 

 

 

 

 

 

 

*Transaction Limitations Apply