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.


Deposit Accounts

Non-Profit Organization Accounts

Mortgage Lending
Effective Date: 07/03/2017
Personal Lending
Effective Date: 06/26/2017






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).

1Minimum deposit must be maintained to earn interest.
2Future Interest Rate changes will be determined based on the five year Constant Maturity Treasury (CMT) yield.
3The 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.
4For 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.
5STC 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.