Rates as of 12/01/24

Share Rates

Amount
Dividend Rate
Annual % Yield
$25 - $999.99
0.10%
0.10%
$1000 - $9,999.99
0.25%
0.25%
$10,000 and above
0.35%
0.35%

Super Share Rates

Amount
Dividend Rate
Annual % Yield
$1,000 - $4,999.99
0.25%
0.25%
$5,000 - $9,999.99
0.45%
0.45%
$10,000 - $24,999.99
0.60%
0.60%
$25,000 - $49,999.99
0.75%
0.75%
$50,000 - $99,999.99
1.00%
1.00%
$100,000 and above
1.50%
1.51%

Share Draft

Amount
Dividend Rate
Annual % Yield
$100 - $999.99
0.05%
0.05%
$1000 - $9999.99
0.10%
0.10%
$10,000 and above
0.15%
0.15%

Christmas Club

Projected for 2025 - Penalty for early withdrawal
Amount
Dividend Rate
Annual % Yield
$25 - $5000.00
0.50%
0.50%
$5000 & Above
0.35%
0.35%

Club 18

Early withdrawal may be allowed. Speak with a staff member for details.
Amount
Dividend Rate
Annual % Yield
3.00%
3.03%

IRA Shares

Amount
Dividend Rate
Annual % Yield
$25 - $999.99
0.75%
0.75%
$1000 - $4999.99
1.00%
1.00%
$5000 - $9999.99
1.25%
1.26%
$10,000 and above
1.75%
1.76%

Share Certificates

Special terms/higher rates may apply
Amount
Dividend Rate
Annual % Yield
6 Month
3.00%
3.02%
12 Month
3.45%
3.45%
18 Month
3.25%
3.25%
24 Month
3.00%
3.00%
36 Month
3.00%
3.00%

Certificate Plus

Option to increase rate once during term *** Higher balance certificates qualify for an increase on all certificates.  See CU staff for details.
Amount
Dividend Rate
Annual % Yield
60 Month
3.00%
3.00%

Certificate Specials

$500 minimum. Penalty for early withdrawal. Rates increase by 0.10% for $50-$100K. Rates increase 0.20% for $100K or more.
Amount
Dividend Rate
Annual % Yield
3 Month
4.00%
4.06%
13 Month
3.50%
3.50%
3 Month IRA
4.25%
4.32%
13 Month IRA
3.75%
3.75%

Jumbo Certificates

Aggregate account balance over $200,000 may qualify for a higher CD Rate. See CU staff for details.

IRA Certificates

0.25% above share certificate rates

Early withdrawal penalty: We may impose a penalty if you withdraw funds from your account before the maturity date. Fees could reduce earnings on the account.

Credit Cards

Type
APR
Classic VISA
13.9%
Platinum VISA
9.9%

Loans

Type
Base Rate
Lowest Rate
Secured
8.75%
6.25%
Non-Titled Secured
11.50%
9.00%
Unsecured
(See Loan Officer for maximum amounts and terms.)
15.00%
10.00%
Overdraft Protection Loans
15.00%
15.00%
Guaranteed Student Loans
(Stafford and Parent Plus)
-
set by Dept of Ed.
Home Equity & In-House First Mortgage Loans
-
call for current rates / terms
Secondary Market First Mortgages
-
call for current rates

Simple interest is charged on the outstanding balance of the loan.  There are no prepayment penalties. Credit Disability, Credit Life, Joint Credit Disability, Involuntary Unemployment Insurance, and Joint Credit Life insurance may be available. All consumer loans are charged a $40 loan application fee. All secured title loans will be charged $15 per vehicle to note the lien and all secured non-titled loans will be charged a UCC fee of $25 per filing. A fee of $20 per loan will be charged to defer a loan payment. A $50 fee will be charged to refinance to lower an interest rate on a current loan.

All rates are based on APR (Annual Percentage Rate).

A security interest is required on all secured loans. Insurance is required on all secured loans over $3000 except for share or share certificate secured loans. Healthcare Plus FCU is to be  listed as the lien holder on the title or UCC-1 lien instrument as well as on the insurance policy. Your minimum payment will never be less than $30.00 per month.

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