Rates

Due to the rapid change in rates, please contact our office at 816-363-2223 with any questions about our rates!

APYs and rates are accurate as of July 1, 2015 and are subject to change without notice. The Annual Percentage Rates, corresponding daily periodic rates and amount and due date of payments for each loan subaccount are shown below. If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance and disclosed on the Advance Request Voucher. Other charges that may be imposed are also shown below (i.e., late charges, filing fees, collection costs). Due to the rapid change in rates, please contact our office at 816-363-2223 with any questions about our rates!

 

Share Account Rates

Effective Date: July 1, 2015

For all IRA balances      0.40% APR        0.4008% APY

Range of Balances Rate in % APY in %
Shares $500.00 and over 0.10 0.10001
6 month CD minimum $500 no penalty early w/d 0.20 0.2002
12 month CD 2.75% early w/d penalty 0.30 0.3004
24 month CD 2.75% early w/d penalty 0.60 0.60179
Children’s Promise Accounts $5 and over 0.10 0.10001

Loan Rates

Effective Date: January 1, 2015 | Replaces Addendum Date: January 1, 2014

RATES ARE SUBJECT to applicant credit. Rates are subject to change. Actual rate may vary.

2015 – 2016
Cars and Trucks, Harley Davidson
As low as 2.50% APR
2011 – 2014
Cars and Trucks, Boats, Motorcycles
As low as 3.50% APR
2010 and Older
Cars and Trucks, Boats, Motorcycles
As low as 5.50% APR
Unsecured/Overdraft  Loan As low as 11.50% APR
Share Secured Loan 3.00% APR  Above
Current Rate of Pledged Shares

FILING FEES: You will be charged a lien-filing fee at the time of an advance if the Credit Union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of the fee required by law or ordinance for the Credit Union to obtain a lien on your property. The amount of the filing will be disclosed on the voucher.

COLLECTION COSTS: You promise to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

LATE CHARGES: If you are more than 15 days late in making a payment, you may pay a late charge of $15.00 or 5% of the payment amount, whichever is greater, up to $50.