Rates


Quoted rates, dividends, annual percentage yields (APY) and annual percentage rates (APR) are subject to change daily at the discretion of the Board of Directors. Fees, early withdrawal penalties or other conditions may reduce earnings on an account(s).


Deposit Accounts

Non-Profit Accounts

Mortgage Lending
Effective Date: 09/01/2017
Personal Lending
Effective Date: 08/15/2017






APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. This is not your interest rate.
ARM = Adjustable Rate Mortgage

For all mortgage loans, a loan origination fee of .75% of the loan amount is charged (no cap).

1Initial checking deposit must cover the first box of checks and first $1 monthly service charge.
2Minimum deposit must be maintained to earn interest.
3Not available for Non-Profit Accounts.
4Initial checking deposit must cover the first box of checks and first $10 monthly service charge.
5Future Interest Rate changes will be determined based on the five year Constant Maturity Treasury (CMT) yield.
6The interest rate on the 5 Year ARM cannot change by more than 2.0% every 5 years or 8% over the life of the loan.
7For a purchase, the member must always contribute the greater of 5% of the purchase price or appraised value, whichever is less, or $5,000 toward the down payment.
8New vehicle is defined as current, prior or upcoming year model with less than 10,000 miles.
9Minimum loan amount for greater than 72-month financing is $25,000.
10STC Term Note rate is the Share Term Certificate interest rate plus 2% rounded up to the nearest 1/4%.



*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.