Savings Rates

Rates were approved November 18, 2008. Rates are subject to change without notice.

Savings (Shares) Dividend Rates

Click here for the printable format of these rates.


 Savings Balance


APR*


MAX APY*

 $25 to $999

1.00%

1.00%

 $1,000 to $2,499

1.00% 

1.00%

 $2,500 to $4,999

1.00%

1.00%

 $5,000 and above

1.00%

1.00%

*APR = Annual Percentage Rate. *APY = Annual Percentage Yield.

Club Savings Account Rates


 Club Type


APR*


MAX APY*

 Christmas Club 1 2

1.25%

1.26%

 Vacation Club 1 2

1.25% 

1.26%

 Brethren Youth Mission Club 1

1.25%

1.26%

 Kids Club (up to 12 years old)

1.25%

1.26%

 Youth Club (13 to 18 years old)

1.25%

1.26%

*APR = Annual Percentage Rate. *APY = Annual Percentage Yield.
1 Accounts are limited to no more than four withdrawals per year.
2 Monthly deposit required.

Money Market Account Rates


 Balance


APR*


MAX APY*

 $2,500 to $4,999

1.25%

1.26%

 $5,000 to $9,999

1.35% 

1.36%

 $10,000 to $24,999

1.65%

1.66%

$25,000 and above

1.85%

1.86%

Traditional IRA, Roth IRA, and Coverdell ESA Money Market accounts also available.

*APR = Annual Percentage Rate. *APY = Annual Percentage Yield.

CD/IRA Interest Rates


Term of Certificate
(Balances Between $500 and above)


APR*


MAX APY*
 6 Months
2.25%
2.27%

12 Months

2.40%

2.42%

18 Months

2.50%

2.52%

24 Months

2.65%

2.68%

36 Months

2.90%

2.93%

48 Months

3.05%

3.09%

60 Months

 3.35% 3.39%

*APR = Annual Percentage Rate. *APY = Annual Percentage Yield.
Minimum CD Investment: $500.00.

Early Withdrawal Penalty:
90 days interest
Checking Rates
Rates were approved November 18, 2008. Rates are subject to change without notice.

$500 to $9,999

$10,000 and above
0.50%
1.00%

Loan Rates
Rates were approved September 23, 2008. Rates are subject to change without notice.

Auto Loan Rates (3 year)

NEW AUTO LOANS

USED AUTO LOANS

BOATS & MOTORCYCLES

4.75% 2

4.99% 2

4.99% 2



Auto Loan Rates (5 year)

NEW AUTO LOANS

USED AUTO LOANS

BOATS & MOTORCYCLES

 5.49% 2

5.49% 2

5.49% 2

HYBRID VEHICLE DISCOUNT
To support the Church of the Brethren’s value of caring for creation, the Credit Union will discount loan interest rates for hybrid vehicles by 0.50%.

Other Loan Rates
 LOAN TYPE
RATE
SHARE-SECURED*:

 4.99%
CD-SECURED*: These loan rates are based on the original term of the CD, with the loan maturity date matching the CD maturity date.
 3% above your APR Rate
SIGNATURE: These loan rates assume no collateral/security.
One year
8.99% 1 2
Two years
9.99% 1 2
Three years
10.99% 1 2
Four years
11.99% 1 2

* Members may use shares on deposit at the Credit Union as collateral for their loan. Certificate-secured loan rates are 3% higher than the rate on the certificate.

1 Limit of $10,000 loan amount for personal loans.

2 Rate increases 0.5% if loan is not on automatic payment.
Additional increases subject to credit scores.