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Loan Rates

Effective as of: August 1, 2017

Rates, fees, and terms are subject to change without notice.

Loan TypeAPR*Loan Term (in months)Monthly Payment (per $1000)
Auto, RV, Boat, Motorcycle
New 
(less than 15,000 miles)
As low as 3.99% up to 24 $43.42
As low as 4.09% 25 to 36 $29.56
As low as 4.34% 37 to 48 $22.73
As low as 4.59% 49 to 60 $18.68
Auto, RV, Boat, Motorcycle
Used 
As low as 4.49% up to 24 $43.64
As low as 4.59% 25 to 36 $29.79
As low as 4.84% 37 to 48 $22.96
As low as 5.09% 49 to 60 $18.91
Personal Line of Credit (unsecured) 15.95% Revolving Line of Credit
Short Term Loans 18.00% Up to 12 months
Share Secured Loans 5.00% Up to 120
Certificate Secured                                           Prime plus 1.25%
Life Style Loans As low as 6.49% Up to 84 months

*The annual percentage rate you pay will be based on the number of months your loan is financed, loan type, the type of collateral, the loan-to value ratio, and your credit history.

 

Deposit Account Rates

Effective as of: September 13, 2017

Savings Accounts

 Annual Percentage YieldInterest/Dividend RateMinimum Balance
Tier 1 0.05% 0.05% $100.00
Tier 2 0.15% 0.15% $1,000.00

Savings Accounts: Share, Special Savings, Christmas/Holiday Club, Summer Paycheck/Vacation, COINK

 

Checking Accounts

 APYInterest RateMinimum Balance
Tier 1 0.00% 0.00% $1,000.00
Tier 2 0.05% 0.05% $2,500.00
Tier 3 0.10% 0.10% $5,000.00

*Deposits are paid interest at the disclosed rate. All savings/deposits are insured to at least $250,000.00 per member by the National Credit Union Administration (NCUA), an agency of the federal government. All rates and terms are subject to change at any time.

Certificate Rates

Certificate TypeAnnual Percentage YieldInterest RateMinimum BalanceTermInterest Penalty
3M OR IRA3 0.25% 0.25% $1,000.00 3 months 31 days
6M OR IRA6 0.30% 0.30% $1,000.00 6 months 31 days
12M or IRA12 0.35% 0.35% $500.00 9-15 months 91 days
24M or IRA24 0.55% 0.55% $500.00 21-27 months 91 days
36M or IRA36 0.75% 0.75% $500.00 33-39 months 182 days
48M or IRA48 1.06% 1.05% $500.00 45-51 months 182 days

All Credit Union deposits are insured to at least $250,000 per member by the National Credit Union Administration (NCUA) Share Insurance Fund, an agency of the Federal Government. [Legal disclaimer]

IRA Rates

 Annual Percentage YieldInterest RateMinimum Balance
Tier 1 0.05% 0.05% $100.00
Tier 2 0.15% 0.15% $2,500.00
Tier 3 0.25% 0.25% $5,000.00
Tier 4 0.30% 0.30% $10,000.00

All Credit Union deposits are insured to at least $250,000 per member by the National Credit Union Administration (NCUA) Share Insurance Fund, an agency of the Federal Government. [Legal disclaimer]

Sterling Fund Money Market Accounts

 Annual Percentage YieldInterest RateMinimum Balance
Tier 1 0.20% 0.20% $2,000.00
Tier 2 0.25% 0.25% $10,000.00
Tier 3 0.30% 0.30% $25,000.00

Sterling Plus Fund Money Market Accounts

 Annual Percentage YieldInterest RateMinimum Balance
Tier 1 0.25% 0.25% $10,000.00
Tier 2 0.35% 0.35% $25,000.00
Tier 3 0.40% 0.40% $50,000.00

Monthly fee charged for balances under $25,000.00 All Credit Union deposits are insured to at least $250,000 per member by the National Credit Union Administration (NCUA) Share Insurance Fund, an agency of the Federal Government. [Legal disclaimer]

Business Account Rates

Savings Rates

Membership Share*Interest RateAPYMinimum Balance
Tier 1 0.05% 0.05% $100.00
Tier 2 0.15% 0.15% $1,000.00
Special Savings Interest Rate APY Minimum Balance
Tier 1 0.05% 0.05% $100.00
Tier 2 0.15% 0.15% $1,000.00
Sterling Fund Interest Rate APY Minimum Balance
Tier 1 0.20% 0.20% $2,500.00
Tier 2 0.25% 0.25% $10,000.00
Tier 3 0.30% 0.30% $25,000.00
Sterling Plus Fund Interest Rate APY Minimum Balance
Tier 1 0.25% 0.25% $10,000.00
Tier 2 0.35% 0.35% $25,000.00
Tier 3 0.40% 0.40% $50,000.00

Checking Rates

Business EssentialsInterest RateAPYMinimum Balance
Tier 1 0.00% 0.00% $5,000.00
Tier 2 0.05% 0.05% $7,500.00
Tier 3 0.10% 0.10% $10,000.00
Business Plus Interest Rate APY Minimum Balance
Tier 1 0.00% 0.00% $5,000.00
Tier 2 0.05% 0.05% $7,500.00
Tier 3 0.10% 0.10% $10,000.00
Business Advantage Interest Rate APY Minimum Balance
Tier 1 0.00% 0.00% $5,000.00
Tier 2 0.05% 0.05% $7,500.00
Tier 3 0.10% 0.10% $10,000.00

Certificate Rates

TermMinimum BalanceInterest RateAPYInterest Penalty
3M $1,000.00 0.25% 0.25% 31 days
6M $1,000.00 0.30% 0.30% 31 days
12M $500.00 0.35% 0.35% 91 days
24M $500.00 0.55% 0.55% 91 days
36M $500.00 0.75% 0.75% 182 days
48M $500.00 1.05% 1.06% 182 days

*Membership Shares (suffix 0) earns dividends and reflects a dividend rate. All other savings/deposits are paid interest at the disclosed rate.
All savings/deposits are insured to at least $250,000 per membership by the National Credit Union Administration (NCUA), an agency of the federal government. All rates and terms are subject to change at any time.
[Legal disclaimer]