Current Rates
Vehicles
- New/Used Cars & Trucks
- Motorcycles
- RVs, Motor Homes, Travel Trailers, Pop Up Campers
- Boats
- ATVs, Jetskis, Snowmobiles, Lawn Tractors
Real Estate
Credit Cards
Deposit Accounts
Savings Accounts
- Share Savings & Sub-Share Savings
- Money Market Savings
- IRA Savings, Holiday/Vacation Club, Escrow
- Business Share Savings
- Health Savings Accounts
New/Used Cars & Trucks
Rates As Low As*
| Model Year | 37 Months | 50 Months | 65 Months | 78 Months |
|---|---|---|---|---|
| 2013 - 2011 | 1.49% | 1.49% | 1.49% | 1.49% |
| 2010 - 2009 | 1.99% | 2.24% | 2.49% | -- |
| 2008 - 2006 | 3.49% | 3.74% | -- | -- |
*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 80% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Rate also includes a .25% discount for qualifying SmartWaySM vehicles.
Loans for over 80% LTV and older models with flexible payments also available at similar money saving rates.
Motorcycles
Rates As Low As*
1200cc or larger
| Model Year | 37 Months | 50 Months | 65 Months | 78 Months |
|---|---|---|---|---|
| 2013 - 2011 | 1.74% | 1.74% | 1.74% | 1.74% |
| 2010 - 2009 | 2.74% | 2.99% | 3.24% | -- |
| 2008 - 2006 | 3.74% | 3.99% | -- | -- |
under 1200cc
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2013 - 2011 | 4.24% | 4.49% | 4.74% |
| 2010 - 2008 | 6.74% | -- | -- |
*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 80% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 80% LTV and older models with flexible payments also available at similar money saving rates.
RVs, Motor Homes, Travel Trailers, Pop Up Campers
Rates As Low As*
RVs/Motor Homes
|
Model Year
| 37 Months | 50 Months | 65 Months | 78 Months |
|---|---|---|---|---|
| 2013 - 2011 | 1.74% | 1.74% | 1.74% | 1.74% |
| 2010 - 2009 | 2.74% | 2.99% | 3.24% | -- |
| 2008 - 2006 | 3.74% | 3.99% | 5.24% | -- |
Travel Trailers
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2013 - 2011 | 3.99% | 4.24% | 4.49% |
| 2010 - 2008 | 5.49% | 5.74% | -- |
Pop Up Campers
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2013 - 2011 | 4.24% | 4.49% | 4.74% |
| 2010 - 2008 | 6.74% | -- | -- |
*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 80% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 80% LTV and older models with flexible payments also available at similar money saving rates.
Boats
Rates As Low As*
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2013 - 2011 | 3.99% | 4.24% | 4.49% |
| 2010 - 2008 | 5.49% | 5.74% | -- |
*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 80% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 80% LTV and older models with flexible payments also available at similar money saving rates.
ATVs, Jetskis, Snowmobiles, Lawn Tractors
Rates As Low As*
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2013 - 2011 | 4.24% | 4.49% | 4.74% |
| 2010 - 2008 | 6.74% | -- | -- |
*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 80% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 80% LTV and older models with flexible payments also available at similar money saving rates.
Mortgage Rates
Real Estate rates are accurate as of the date shown and subject to change without notice.
Some rates may require the payment of points.
Please contact our Real Estate Department at (563) 557-5001 ext. 4840 or (800) 475-1331 for up to the minute information.
Rates last updated: May 23, 2013
| Type | Term | Points | Rate | Annual Percentage Rate (APR) |
|---|---|---|---|---|
| 3 Year ARM** | 30 Years | 0 | 2.500% | 2.8571%* |
| 5 Year ARM** | 30 Years | 0 | 2.500% | 2.8101%* |
| 7 Year ARM** | 30 Years | 0 | 2.500% | 2.7681%* |
| 15 Year Fixed (Loan Amount $150,000) | 15 Years | 0 |
2.875%
|
2.9909% |
| 15 Year Fixed (Loan Amount $200,000) | 15 Years | 0 |
2.875%
|
2.9576% |
| 30 Year Fixed (Loan Amount $150,000) | 30 Years | 0 | 3.750% | 3.8158% |
| 30 Year Fixed (Loan Amount $200,000) | 30 Years | 0 | 3.750% | 3.7961% |
| 30 Year Fixed (Loan Amount $300,000) | 30 Years | .500 | 3.625% | 3.6925% |
| VA 30 Year Fixed (Loan Amount $150,000) | 30 Years | 0 | 3.250% | 3.4084% |
*APR's are based on a $150,000 purchase loan.
**Rate and APR subject to change after the initial 3, 5 or 7 year fixed period.
3/1, 5/1, 7/1, ARM loans:
What is an ARM? “ARM” stands for Adjustable Rate Mortgage. With this type of loan, your rate is locked in for 3, 5, or 7 years and then adjusts once a year thereafter. Your rate can adjust up or down depending on the limits of your loan terms and the position of the market. These loans are great for buyers who want to lock in a low rate for a set number of years. A buyer may choose to refinance (pay off the existing loan with a new loan, especially if the interest rate is lower) at any time to a fixed rate. View additional loan descriptions & disclosures
Mortgage Rates for conventional loans are based on the loan amount indicated within the table with an 80% loan-to-value. If the loan-to-value is greater than 80%, mortgage insurance may be needed which could increase the APR.
Example Terms of Repayment based on loan amount of $150,000
15-year fixed rate mortgage at the stated rate equals 180 payments of $6.84 per $1,000.00 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $4.62 per $1,000.00 borrowed.
Other rates and terms available. Please call (563) 582-1331 or (800) 475-1331.
Home Equity Plus Line of Credit/Loan
Rates As Low As*
| Rate | Type | Term | |
|---|---|---|---|
| Home Equity Plus Line of Credit | 1.99% | Variable** | Depends on the amount of the loan. |
**Adjusts quarterly. 13 week T-Bill rounded up to the next 1/4% + Margin (Floor = 4.99%, Ceiling = 18%)
| Home Equity Plus Loan |
60 Months | 84 Months | 120 Months | 180 Months |
| Fixed Rates As Low As: | 3.50% | 4.49% | 4.99% | 7.49% |
*Rates are stated as Annual Percentage Rate (APR). The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
Home Equity Plus Loans - Example terms of repayment:
5-year fixed rate home equity loan at the stated rate equals 60 monthly payments of $18.16 per $1,000.00 borrowed.
7-year fixed rate home equity loan at the stated rate equals 84 monthly payments of $13.87 per $1,000.00 borrowed.
10-year fixed rate home equity loan at the stated rate equals 120 monthly payments of $10.58 per $1,000.00 borrowed.
15-year fixed rate home equity loan at the stated rate equals 180 monthly payments of $9.26 per $1,000.00 borrowed.
Only 10 Mortgage
Rates As Low As*
| Only 10 Mortgage |
60 Months | 84 Months | 120 Months |
| Fixed Rates As Low As: | 2.99% | 2.99% | 2.99% |
*Rates are stated as Annual Percentage Rate (APR). The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
Only 10 Mortgage - Example terms of repayment:
5-year fixed rate loan at the stated rate equals 60 monthly payments of $17.98 per $1000 borrowed.
7-year fixed rate loan at the stated rate equals 84 monthly payments of $13.22 per $1000 borrowed.
10-year fixed rate loan at the stated rate equals 120 monthly payments of $9.66 per $1000 borrowed.
Lot Loans
| Type | Term | Points | Rate | Annual Percentage Rate (APR) |
|---|---|---|---|---|
| Lot Loan - $35,000 | 3 year balloon, 10 year amortization |
0.50 (min. $250) |
5.75% | 6.4721% |
*Rates are stated as Annual Percentage Rate (APR). The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
Credit Cards
Rates Effective February 21, 2013
| Card Type | Annual Percentage Rate | Rate Type |
|---|---|---|
| MasterCard | 14.90% | Non-Variable |
| VISA | 9.49% | Variable* |
| VISA Platinum | 7.99% | Variable** |
| Business VISA Platinum | 8.24% | Variable*** |
*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next highest 1/4% plus a margin of 9.24%. The effective date of any changes will be on the cycle date in February, May, August and November.
**VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 7.74%. The effective date of any changes will be on the cycle date in February, May, August and November.
***VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 5.49%. The APR will not be lower than 8.24%. The effective date of any changes will be on the cycle date in February, May, August and November.
Certificates of Deposit (CD)
Rates Effective May 1, 2013
| Standard | EcoPlus Account Bonus*** | |||
|---|---|---|---|---|
| Dividends Calculated | Quarterly | Quarterly | ||
| Dividends Paid | Quarterly | Quarterly | ||
| Minimum Opening Deposit | $1,000.00** | $1,000.00 | ||
| Term of Certificate | Interest Rate | APY* | Interest Rate | APY* |
| 6 Months | 0.40% | 0.40% | 0.65% | 0.65% |
| 12 Months | 0.65% | 0.65% | 0.90% | 0.90% |
| 18 Months | 0.75% | 0.75% | 1.00% | 1.00% |
| 24 Months | 0.90% | 0.90% | 1.15% | 1.15% |
| 30 Months | 1.00% | 1.00% | 1.25% | 1.26% |
| 36 Months | 1.29% | 1.30% | 1.54% | 1.55% |
| 48 Months | 1.49% | 1.50% | 1.74% | 1.75% |
| 60 Months | 1.89% | 1.90% | 2.14% | 2.16% |
*APY = Annual Percentage Yield
**Minimum opening deposit for members under age 21 is $500.00.
***Electronic statements and recurring direct deposit required to receive EcoPlus Account. Other eligibility requirements may apply. EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account.
Early withdrawal penalties may apply.
Rates subject to change without notice.
IRA certificate accounts have the same rates, yields and requirements as those stated in the above table.
Checking Account
Dividend Yields as of March 31, 2013
| Relationship Checking Account Balance* | Dividend Rate | APY** | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| <$1,000 | 0.00% | 0.00% | Avg. Daily Bal. | Quarterly | None |
| $1,000 to $9,999.99 | 0.10% | 0.10% | Avg. Daily Bal. | Quarterly | $1,000.00 |
| $10,000 and above | 0.20% | 0.20% | Avg. Daily Bal. | Quarterly | $10,000.00 |
*Value Checking and EcoPlus accounts do not earn dividends on any balance.
**APY = Annual Percentage Yield
Checking accounts require an opening deposit of $25.00
Rate may change after the account is opened.
Relationship Business Checking Account
Dividend Yields as of March 31, 2013
| Tier Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2,000 | 0.00% | 0.00% | Avg. Daily Bal. | Quarterly | None |
| $2,000 to $9,999.99 | 0.10% | 0.10% | Avg. Daily Bal. | Quarterly | $2,000.00 |
| $10,000 to $49,999.99 | 0.20% | 0.20% | Avg. Daily Bal. | Quarterly | $10,000.00 |
| $50,000 and above | 0.35% | 0.35% | Avg. Daily Bal. | Quarterly | $50,000.00 |
*APY = Annual Percentage Yield
Minimum opening deposit of $100.00
Rate may change after the account is opened.
High Yield Checking
Dividend Yields Effective May 1, 2013
| High Yield Checking Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2,500 | 0.00% | 0.00% | Avg. Daily Bal. | Monthly | None |
| $2,500 to $9,999.99 | 0.10% | 0.10% | Avg. Daily Bal. | Monthly | $2,500.00 |
| $10,000 to $24,999.99 | 0.20% | 0.20% | Avg. Daily Bal. | Monthly | $10,000.00 |
| $25,000 to $49,999.99 | 0.35% | 0.35% | Avg. Daily Bal. | Monthly | $25,000.00 |
| $50,000 and above | 0.45% | 0.45% | Avg. Daily Bal. | Monthly | $50,000.00 |
*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.00
Rate may change after the account is opened.
Share Savings & Sub-Share Savings
Dividend Yields as of March 31, 2013
| Share Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY** |
|---|---|---|---|---|---|
| < $5,000 | 0.20% | 0.20% | Avg. Daily Bal. | Quarterly | $100.00 |
| $5,000 to $24,999.99 | 0.30% | 0.30% | Avg. Daily Bal. | Quarterly | $5,000.00 |
| $25,000 and above | 0.45% | 0.45% | Avg. Daily Bal. | Quarterly | $25,000.00 |
*APY = Annual Percentage Yield
** Minimum balance does not apply to members under age 18
Minimum opening deposit for share savings account is $5.00
Rate may change after the account is opened.
Money Market Savings
Dividend Yields Effective May 1, 2013
| Money Market Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2,500 | 0.00% | 0.00% | Avg. Daily Bal. | Monthly | None |
| $2,500 to $9,999.99 | 0.20% | 0.20% | Avg. Daily Bal. | Monthly | $2,500.00 |
| $10,000 to 24,999.99 | 0.35% | 0.35% | Avg. Daily Bal. | Monthly | $10,000.00 |
| $25,000 to $49,999.99 | 0.40% | 0.40% | Avg. Daily Bal. | Monthly | $25,000.00 |
| $50,000 and above | 0.55% | 0.55% | Avg. Daily Bal. | Monthly | $50,000.00 |
*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.00
Rate may change after the account is opened.
IRA Savings, Holiday/Vacation Club, Escrow Accounts
Dividend Yields as of March 31, 2013
| Account Type | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| IRA | 1.25% | 1.26% | Avg. Daily Bal. | Quarterly | No Minimum |
| Christmas/Holiday Club |
0.20% | 0.20% | Avg. Daily Bal. | Quarterly | No Minimum |
| Vacation Club | 0.20% | 0.20% | Avg. Daily Bal. | Quarterly | No Minimum |
| Escrow | 0.20% | 0.20% | Avg. Daily Bal. | Quarterly | No Minimum |
*APY = Annual Percentage Yield
Rate may change after the account is opened.
Business Share Savings
Dividend Yields as of March 31, 2013
| Tier Balance | Dividend Rate | APY** | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| <$5,000 | 0.20% | 0.20% | Avg. Daily Bal. | Quarterly | $100.00 |
| $5,000 to $24,999.99 | 0.30% | 0.30% | Avg. Daily Bal. | Quarterly | $5,000.00 |
| $25,000 and above | 0.45% | 0.45% | Avg. Daily Bal. | Quarterly | $25,000.00 |
*APY = Annual Percentage Yield
Rate may change after the account is opened.
Health Savings Accounts
Dividend Yields Effective May 1, 2013
| Health Savings Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2,500 | 0.10% | 0.10% | Avg. Daily Bal. | Monthly | None |
| $2,500 to $9,999.99 | 0.10% | 0.10% | Avg. Daily Bal. | Monthly | $2,500.00 |
| $10,000 to 24,999.99 | 0.20% | 0.20% | Avg. Daily Bal. | Monthly | $10,000.00 |
| $25,000 to $49,999.99 | 0.35% | 0.35% | Avg. Daily Bal. | Monthly | $25,000.00 |
| $50,000 and above | 0.45% | 0.45% | Avg. Daily Bal. | Monthly | $50,000.00 |
*APY = Annual Percentage Yield
Minimum opening deposit of $25.00
$2.00 monthly service fee if balance is less than $1,000.00
Rate may change after the account is opened.
