Deposit Rates
Active as of 06.01.2023
Personal Checking Accounts
| Product | Minimum to Open | Minimum Daily Balance to Earn APY | APY* | How to Open |
|---|---|---|---|---|
| myFree Checking | $25.00 | n/a | n/a | Open Now |
| myPrime Checking | $25.00 | n/a | n/a | Open Now |
| Max Yield Checking** | $25.00 | $1,500.00 | .10% | Open Now |
| $0.01 | .05% | |||
| myDirect Interest Checking*** | $25.00 | $0.01 | .05% | Open Now |
| Student Checking | $25.00 | n/a | n/a | Open Now |
DISCLOSURES*
Interest Rates are subject to change without notice after account opening.
**Must maintain a minimum daily balance of $1,500.00 to avoid the $15.00 monthly service charge and to obtain the disclosed Annual Percentage Yield (APY). Annual Percentage Yield (APY) subject to change without notice after account opening. Fees could reduce the earnings on selected accounts listed above.
***$10.00 monthly service charge without Direct Deposit. First direct deposit must occur within 30 days after account is opened. Must have an automatic direct deposit credited to the account at least once per month. Annual Percentage Yield (APY) subject to change without notice after account opening. Fees could reduce the earnings on selected accounts listed above.
Personal Saving Accounts
| Product | Minimum to Open | Minimum Daily Balance to Earn APY | APY* | How to Open |
|---|---|---|---|---|
| Save myChange** | $5.00 | $5,000.00 | .05% | Contact Us |
| $0.01 | .50% | |||
| Basic Savings | $5.00 | $0.01 | .05% | Open Now |
| Personal Money Market*** | $2,500.00 | $75,000.00 | .25% | Contact Us |
| $50,000.00 | .15% | |||
| $25,000.00 | .10% | |||
| $2,500.00 | .05% | |||
| Max Yield Money Market**** | $2,500.00 | $500,000.00 | 3.00% | Contact Us |
| $50,000.00 | 3.00% | |||
| $2,500.00 | 3.00% | |||
| Individual Retirement Statement Savings | $100.00 | $100.00 | .05% | Contact Us |
| Holiday Club Savings | $1.00 | $0.01 | .05% | Contact Us |
DISCLOSURES
Interest Rates are subject to change without notice after account opening. Annual Percentage Yield (APY) subject to change without notice after account opening. Fees could reduce the earnings on selected accounts listed above.
**Must conduct 4 debit transactions per statement cycle in associated checking account to earn the higher rate. Otherwise, the rate will be calculated using the lowest tier.
***Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed Annual Percentage Yield (APY).
****Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed Annual Percentage Yield (APY). Must have an active Max Yield Checking Account to obtain the higher rate of interest. If the checking is closed at anytime of the month, the account will pay the current Personal Money Market rate of interest.
| Product | Minimum to Open | Minimum Daily Balance to Earn APY | APY* |
|---|---|---|---|
| Business Interest Checking^ | $25.00 | $0.01 | .05% |
| $5,000.00 | .10% |
DISCLOSURES*
*Annual Percentage Yield (APY) subject to change without notice. Fees could reduce the earnings on selected accounts listed above.
^Must maintain a minimum daily balance of $5,000.00 to avoid the $10.00 monthly service charge and to obtain the disclosed Annual Percentage Yield (APY).
Business Savings Accounts
| Product | Minimum to Open | Minimum Daily Balance to Earn APY | APY* |
|---|---|---|---|
| Business Savings Account | $5.00 | $100.00 | .05% |
| Business Money Market** | $2,500.00 | $75,000.00 | .25% |
| $50,000.00 | .15% | ||
| $50,000.00 | .15% | ||
| $25,000.00 | .10% | ||
| Business Max Yield Money Market*** | $2,500.00 | $500,000.00 | 3.00% |
| $50,000.00 | 3.00% | ||
| $2,500.00 | 3.00% |
DISCLOSURES*
*Annual Percentage Yield (APY) subject to change without notice. Fees could reduce the earnings on selected accounts listed above.
**Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed Annual Percentage Yield (APY).
***Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed Annual Percentage Yield (APY). Must have an active Business Checking Account to obtain the higher rate of interest. If the checking is closed at anytime of the month, the account will pay the current Personal Money Market rate of interest.
Certificates of Deposit
| Term | Minimum to Open | Minimum Daily Balance to Earn APY | APY* |
|---|---|---|---|
| 3 Months | $500.00 | $500.00 | .10% |
| 6 Months | $500.00 | $500.00 | 1.50% |
| 9 Months | $500.00 | $500.00 | .20% |
| 11 Months | $500.00 | $500.00 | 5.00% |
| 12 Months | $500.00 | $500.00 | 1.50% |
| 18 Months | $500.00 | $500.00 | 3.51% |
| 24 Months | $500.00 | $500.00 | .35% |
| 30 Months | $500.00 | $500.00 | .40% |
| 36 Months | $500.00 | $500.00 | .45% |
| 48 Months | $500.00 | $500.00 | .55% |
| 60 Months | $500.00 | $500.00 | .65% |
DISCLOSURES
Interest Rates are subject to change without notice and offer may be withdrawn at any time.
*Annual Percentage Yield (APY) effective as of 04.21.2023 APY assumes principal and interest remain on deposit for the term of the certificate. Minimum to open a Certificate of Deposit (CD) or earn APY is $500. All CDs are available for Individual Retirement (IRA) deposits. Fees could reduce the earnings. A penalty will be imposed for early withdrawal. For IRA accounts, additional IRS penalties may apply. Consult your tax advisor.
Personal & Auto Loans
Active as of 06.01.2023
Auto Loans
New Vehicles
DISCLOSURES
Interest Rates are subject to change without notice.
*Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 720 and a maximum Loan-To-Value (LTV) of 120%. Published rate includes a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
**Minimum loan amount of $25,000 with maximum mileage of 25,000 with terms of 84 months.
Auto Loans
Used Vehicles
| Program | Term | APR* | Monthly Payment Per $1,000 Borrowed | Apply |
|---|---|---|---|---|
| Model Years 2018-2019 | 66 Months | 5.74% | $17.70 | Apply Now |
| Model Years 2018-2019 | 75 Months | 6.74% | $16.38 | Apply Now |
| Model Years 2017 | 66 Months | 6.00% | $17.83 | Apply Now |
| Model Years 2017 | 72 Months | 7.00% | $17.05 | Apply Now |
| Model Years 2015-2016 | 48 Months | 6.74% | $23.83 | Apply Now |
| Model Years 2015-2016 | 60 Months | 7.74% | $20.15 | Apply Now |
| Model Years 2014 | 48 Months | 11.75% | $26.21 | Apply Now |
DISCLOSURES
Interest Rates are subject to change without notice.
* Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 720 and a maximum Loan-To-Value (LTV) of 120%. Published rates includes a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
Motorcycle Loans
New & Used
DISCLOSURES
Interest Rates are subject to change without notice.
* Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 720 and a maximum Loan-To-Value (LTV) of 100%. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan. New loans only.
Energy Loan
| Product | APR* as low as | Monthly Payment per $1,000 Borrowed for 48 Months | Apply |
|---|---|---|---|
| Energy Loan | 7.99% | $24.41 | Apply Now |
DISCLOSURES
Interest Rates are subject to change without notice.
* Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on a credit score of 720 or higher. Other rates available based on creditworthiness. Maximum term is 48 months. Maximum amount of loan is $15,000. Please contact the Credit Union for full details on qualifying purchases.
Heating Loan
| Product | APR* as low as | Monthly Payment Per $1,000 Borrowed for 12 Months | Apply |
|---|---|---|---|
| Home Fuel Loan | 5.00% | $85.61 | Apply Now |
DISCLOSURES
Interest Rates are subject to change without notice.
* Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on a credit score of 720 or higher. Rate shown is the lowest available based on credit. Other rates available based on creditworthiness. Maximum amount of loan: $2,500.
Personal Loan
| Product | APR* as low as | Monthly Payment Per $1,000 Borrowed for 24 Months | Apply |
|---|---|---|---|
| Any Purpose Loan | 9.99% | $46.14 | Apply Now |
DISCLOSURES
Interest Rates are subject to change without notice.
* Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on a credit score of 720 or higher. Rate shown is the lowest available based on credit. Other rates available based on creditworthiness. Maximum amount of loan: $15,000.
Personal Line of Credit
Adjustable Rate
| Product | APR* as low as | Monthly Payment Per $1,000 Borrowed | Apply |
|---|---|---|---|
| Line of Credit | 9.25% | Varies | Apply Now |
DISCLOSURES
Interest Rates are subject to change without notice.
* Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on a credit score of 720 or higher. Rate shown is lowest available based on credit. Other rates available based on creditworthiness. Maximum amount of line: $15,000.
Mortgage & Home Equity Rates
Active as of 06.01.2023
Featured Mortgage
Fixed Rate
| Product | Interest Rate | Points | APR* | Monthly Payments Per $100,000 |
|---|---|---|---|---|
| 15 Year Fixed Rate* | 5.875% | 0 | 6.17% | $837.12** |
| 20 Year Fixed Rate* | 6.00% | 0 | 6.23% | $716.43** |
| 30 Year Fixed Rate* | 6.375% | 0 | 6.56% | $623.87** |
DISCLOSURES
Interest Rates are subject to change without notice.
*Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on a credit score of 740 or higher. Other rates and terms available based on creditworthiness. Escrow is required for Loan to Value (LTV) over 80%. Monthly payments are disclosed per $100,000 and LTV of 80% or less. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. APR is accurate as of the effective date. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which could increase your monthly payment and APR.
Featured Refinancing
Fixed Rates
| Product | Interest Rate | Points | APR* | Monthly Payments Per $100,000 |
|---|---|---|---|---|
| 15 Year Fixed Rate* | 5.875% | 0 | 6.17% | $837.12** |
| 20 Year Fixed Rate* | 6.00% | 0 | 6.23% | $716.43** |
| 30 Year Fixed Rate* | 6.375% | 0 | 6.56% | $623.87** |
DISCLOSURES
Interest Rates are subject to change without notice.
*Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on a credit score of 740 or higher. Other rates and terms available based on creditworthiness. Escrow is required for Loan to Value (LTV) over 80%. Monthly payments are disclosed per $100,000 and LTV of 80% or less. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. APR is accurate as of the effective date. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which could increase your monthly payment and APR.
Featured Refinancing
Adjustable Rates
| Product | Interest Rate | Term | Points | Monthly Payment per $100,000 | APR** |
|---|---|---|---|---|---|
| 5/1 ARM* | 5.75% / 5.75%* | Months 1-60 / Months 61-360 | 0 | $583.57 | 7.11% |
| 7/1 ARM* | 6.00% / 6.00%* | Months 1-84 / Months 85-360 | 0 | $599.55 | 7.02% |
| 10/1 ARM** | 6.25% / 6.25%* | Months 1-120 / Months121-360 | 0 | $615.72 | 6.95% |
DISCLOSURES
Interest Rates are subject to change without notice.
**Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on credit score of 740 or higher. All payments quoted with beginning balance of $100,000. 5/1, 7/1 Adjustable Caps 2% – 6%. Margin 2.50% and current index 5.15%. ***The second payment stream will be based on fully indexed rate or the floor rate if the floor rate is greater than the fully indexed rate. Escrow is required for Loan to Value (LTV) over 80%. Monthly payments are disclosed per $100,000 with a 30 year term and LTV of 80% or less. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. APR is accurate as of the effective date. The APR is subject to increase after closing. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which would increase your monthly payment and APR. Other ARM products may be available.
10/1 **Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on credit score of 740 or higher. All payments quoted with beginning balance of $100,000.10/1 Adjustable Caps 5% after initial 10 years, then 2%-5%. Margin 2.50% and current index 5.15%. ***The second payment stream will be based on fully indexed rate or the floor rate if the floor rate is greater than the fully indexed rate. Escrow is required for Loan to Value (LTV) over 80%. Monthly payments are disclosed per $100,000 with a 30 year term and LTV of 80% or less. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. APR is accurate as of the effective date. The APR is subject to increase after closing. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which would increase your monthly payment and APR. Other ARM products may be available.
| PRODUCT | INTEREST RATE | TERM | POINTS | MONTHLY PAYMENT PER $100,000 | APR** |
|---|---|---|---|---|---|
| 5 TO 1 ARM | 2.875%/2.875% | Months 1-60/Months 61-360 | 0 | $414.89 | 2.97% |
| 7 TO 1 ARM | 2.875%/2.875% | Months 1-84/Months 85-360 | 0 | $414.89 | 2.97% |
| 10 TO 1 ARM | 3.25%/3.25% | Months 1-120/Months 121-360 | 0 | $435.21 | 3.35% |
DISCLOSURES
5 to 1 **Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on credit score of 750 or higher. All payments quoted with beginning balance of $100,000. 5 to 1 Adjustable Caps 2% – 6%. Current margin 2.50% and current index 0.10%. ***The second payment stream will be based on fully indexed rate or the floor rate if the floor rate is greater than the fully indexed rate. Escrow is required for Loan to Value (LTV) over 80%. Monthly payments are disclosed per $100,000 with a 30 year term and LTV of 80% or less. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. APR is accurate as of the effective date. The APR is subject to increase after closing. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which would increase your monthly payment and APR. Other ARM products may be available.
7 to 1 **Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on credit score of 750 or higher. All payments quoted with beginning balance of $100,000. 7 to 1 Adjustable Caps 2% – 6%. Current margin 2.50% and current index 0.10%. ***The second payment stream will be based on fully indexed rate or the floor rate if the floor rate is greater than the fully indexed rate. Escrow is required for Loan to Value (LTV) over 80%. Monthly payments are disclosed per $100,000 with a 30 year term and LTV of 80% or less. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. APR is accurate as of the effective date. The APR is subject to increase after closing. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which would increase your monthly payment and APR. Other ARM products may be available..
10 to 1 **Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on credit score of 750 or higher. All payments quoted with beginning balance of $100,000.10 to 1 Adjustable Caps 5% after initial 10 years, then 2%-5%. Current margin 2.50% and current index 0.10%. ***The second payment stream will be based on fully indexed rate or the floor rate if the floor rate is greater than the fully indexed rate. Escrow is required for Loan to Value (LTV) over 80%. Monthly payments are disclosed per $100,000 with a 30 year term and LTV of 80% or less. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. APR is accurate as of the effective date. The APR is subject to increase after closing. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which would increase your monthly payment and APR. Other ARM products may be available.
Home Equity Line of Credit
| Product | Interest Rate | Points | APR* |
|---|---|---|---|
| Home Equity Line of Credit | 8.25% | 0 | 8.25%* |
DISCLOSURES
Interest Rates are subject to change without notice.
*Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on a credit score of 720 or higher. The APR is a variable rate based on the Prime Rate as published in The Wall Street Journal on the first business day of the month. Maximum APR is 18%. Other rates and terms available on creditworthiness. Maximum loan amount of $250,000; maximum loan term is 180 months. 1-4 family, owner-occupied, primary residence properties only; no closing costs. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. Your tax advisor should be consulted as any interest expense incurred may be tax deductible. Properties with a loan-to-value (LTV) of 80% or less only. APR will not fall below 3.25%. No annual fee. Additional fees may apply if held in trust or with power of attorney.
Centennial Home Equity Line of Credit Special
| Product | Interest Rate | Points | APR* |
|---|---|---|---|
| Centennial Home Equity Line of Credit Special | 7.25% | 0 | 7.25% |
DISCLOSURES
Interest Rates are subject to change without notice.
*Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on a credit score of 720 or higher. The APR is a variable rate based on the Prime Rate minus -1.00% as published in The Wall Street Journal on the first business day of the month. The rate will not go below the 3.25% floor rate. Maximum APR is 18%. Other rates and terms are available on creditworthiness. The maximum term of the loan is 300 months. 120 months interest only, and 180 months are principal and interest. Owner occupied 1-4 family, primary residence properties only. PCU to pay closing costs on most loans except for loan amounts exceeding $250,000. Property insurance (and flood insurance if applicable) required. Your tax advisor should be consulted as any interest expense incurred may be tax deductible. Properties with a loan-to-value (LTV) of 80% or less only. No annual fee. Additional fees may apply if held in trust or with power of attorney. Investment properties and Second Homes do not qualify for this product. Loans exceeding $250,000 costs would be paid for by the borrower the range of fees $125.00 – $1000.
Home Equity Loan
Fixed Rate, First Position
| Product | Interest Rate | Points | APR* | Monthly Payment Per $1,000 Borrowed |
|---|---|---|---|---|
| *10 Years | 5.00% | 0 | 5.00% | $10.61 |
| **10 Years | 5.25% | 0 | 5.25% | $10.73 |
DISCLOSURES
Interest Rates are subject to change without notice.
*Annual Percentage Rate (APR) is subject to change without notice. Advertised APR based on a credit score of 720 or higher with a maximum Loan-To-Value (LTV) of 70% and first lien position. Other rates and terms available based on creditworthiness. Account subject to individual approval. 1-4 Family Owner-Occupied, Condominium or Second Home (which is not a rental property) only. Property insurance (and flood insurance if applicable) is required. All loans over $250,000 will require a full appraisal and attorney closing. Additional fees will apply if held in trust or with power of attorney. Monthly payments do not include insurance and taxes. The monthly payment for loans with a maximum LTV of 70% is $10.61 per thousand borrowed for 120 months. The monthly payment advertised is for a 120-month term. Other conditions may apply. Please consult a tax advisor regarding the deductibility of interest. See branch for full details.
**Annual Percentage Rate (APR) is subject to change without notice. APR will be based on a credit score of 719 with a maximum Loan-To-Value (LTV) of 80% and a first lien position. Other rates and terms available based on creditworthiness. Account subject to individual approval. 1-4 Family Owner-Occupied, Condominium or Second Home (which is not a rental property) only. Property insurance (and flood insurance if applicable) is required. All loans over $250,000 will require a full appraisal and attorney closing. Additional fees will apply if held in trust or with power of attorney. Payments do not include taxes or insurance and actual payment may be greater. The monthly payment for loans with a maximum LTV of 80% is $10.73 per $1,000 borrowed for 120 months. The monthly payment advertised is for 120-month term. Other conditions may apply. Please consult a tax advisor regarding the deductibility of interest. See branch for full details.
Home Equity Loan
Fixed Rate, Second Position
| Product | Interest Rate | Points | APR* | Monthly Payment Per $1,000 Borrowed |
|---|---|---|---|---|
| Up to 8 Years | 5.375% | 0 | 5.375% | $12.84 |
| 10 years | 5.375% | 0 | 5.375% | $10.55 |
| 15 Years | 5.75% | 0 | 5.75% | $8.10 |
| 20 Years | 6.375% | 0 | 6.375% | $7.38 |
DISCLOSURES
Interest Rates are subject to change without notice.
*Annual Percentage Rate (APR) subject to change without notice. Rate offered with maximum Loan-To-Value (LTV) of 80%.
Advertised APR based on a credit score of 720 or higher with a maximum Loan-To-Value (LTV) of 80% and second lien position. Other rates and terms available based on creditworthiness. Account subject to individual approval. 1-4 Family Owner-Occupied, Condominium or Second Home (which is not a rental property) only. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. All loans over $250,000 will require a full appraisal and attorney closing. Monthly payments do not include insurance and taxes. Other conditions may apply. Please consult a tax advisor regarding the deductibility of interest. Additional fees may apply if held in trust or with power of attorney.
Featured Construction and Land Loans
| Product | Interest Rate | TERM | POINTS | MONTHLY PAYMENT PER $100,000 | APR** |
|---|---|---|---|---|---|
| Construction to Permanent Fixed Rate | 6.625% | 0 | .50 | $552.08 | 6.77%** |
| Land Loan | Rates quoted individually - Call for rate |
DISCLOSURES
**Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on credit score of 750 or higher. All payments quoted with beginning balance of $100,000.
Land Loan – Maximum LTV 70%. 15 Year Term. Borrower must provide proof that residential construction will be allowed.
