Current Rates

                                                                                 680 Union Street, Hobart, Indiana 46342    

           Officially Chartered in 1960                                      Contact Us at: 800-543-5785      Fax: 219-942-3447                

Current Rates

Effective Date JULY 1, 2016


IRAs:
Traditional / Roth - 1.00% APR / 1.01% APY
Educational - 1.75% APR / 1.77% APY

Savings:

IRA Certificates:

.10% APR Funds under $2000 2.5 Year IRA Certificate - 1.40% APR / 1.41% APY
.25% APR Funds over $2000 5.0 Year IRA Certificate - 1.75% APR / 1.77% APY
Rates Compounded Daily / Paid Quarterly
Member Life Insurance Up to $2000
*New Program* 12 month IRA Certificate 1.15% APR / 1.16% APY
Requires Minimum Deposit of $5,000 to Open
Classic VISA Program: VISA Gold Card Program:
10.9% APR / No Annual Fee / 25 day grace 9.9% APR / No Annual Fee / Reward Program
Specific Finance Charges / Periodic Rates / Billing Rights are explained on monthly billing cycle statement

Certificates:

6 Month $5000 Minimum .75% APR .75% APY
12 Month $1000 Minimum .90% APR .91% APY
24 Month $1000 Minimum 1.05% APR 1.06% APY
48 Month $1000 Minimum 1.40% APR 1.42% APY
APR = Annual Percentage Rate APY = Annual Percentage Yield
Early withdrawal of principle funds may result in a penalty

Money Market Accounts:

#91 Checking (Transaction) Account (Min. Balance $2500) - .30% APY
#92 Money Market (Savings) Account (Min. Balance $2500) - .60% APY
Both Compounded Daily & Paid Monthly - Variable rates are subject to change
Fees may reduce earnings - Actual APY are posted on Individual Financial Statements

Vehicle Rates:

NEW 2017 / 2016 / 2015 Vehicles
APR on new purchase / refinanced vehicles is based on member credit score as follows:

Free Quotes for Mechanical Breakdown Warranty Protection

  1.99% APR (credit scores 700-850) for up to 72 months

  2.99% APR (credit scores 660-699) for up to 72 months

  3.49% APR (credit scores 620-659) for up to 72 months

  3.99% APR (all other scores approved by loan officers)

84 month financing available @ 50 Bps higher APR and/or GAP Coverage

 
Used Vehicle Rates
2014 - 2011 4.99% APR up to 60 Months*
2010 - 2009 5.99% APR up to 48 Months*
2008 - 2006 6.99% APR up to 42 Months
2005 & Older 9.75% APR up to 36 Months
* Internal debt refinancing and buy-downs available. Some restrictions apply
* Rates Available On New Purchase or Refinance
*Rates are subject to change  *Effective Immediately

 

FREE EXTENDED WARRANTY QUOTE

 
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Share Pledged Loan (Best Loan Program):
3.50% APR based on SAVINGS
4.00% APR based on CERTIFICATES
Debt Protection Insurance / Life and Disability Insurance available to all Loans is provided by Credit Union and is not underwritten or guaranteed by NCUA.
 
 
All Savings Insured by NCUA up to $250,000

 
FEE SCHEDULE
TRUTH IN SAVINGS ACCOUNT DISCLOSURES