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Personal Loans and Overdraft Protection*

SECURED LOANS*

* Percentage rates (%) quoted on loans are the ANNUAL PERCENTAGE RATE (APR)
Other rates may apply. See loan officer for more details. Rates effective October 19, 2023.

Loan Risk Category (by Beacon Score) APR As Low As
New Autos/Previous Year (untitled) *7.99%
Used Cars 2014-2023 *8.50%
New Motorcycles, Campers, ATV’s, RV’s, Jetskis *8.25%
Used Motorcycles, Campers, ATV’s, RV’s, Jetskis (Over 60-month term add 1%) *9.25%
New Marine *8.25%
Used Marine (Over 60- to 84-month term add 1%) *9.25%
Loan Risk Category (by Beacon Score) APR As Low As
Personal Loans and Overdraft Protection *10.50%
Savings Balances Minimum Balance Dividend Rate* Annual Percentage Yield* Term
Prime Shares $0–$499.99 $25.00 0.60 0.60 n/a
$500.00–$4,999.99 $500.00 0.70 0.70 n/a
$5,000 and above $5,000.00 0.75 0.75 n/a
Share Draft $0–$499.99 $25.00 0.60 0.60 n/a
$500.00–$4,999.99 $500.00 0.70 0.70 n/a
$5,000 and above $5,000.00 0.75 0.75 n/a
IRA Share Account $0–$499.99 $100 0.60 0.60 n/a
$500–$4,999.99 $500.00 0.70 0.70 n/a
$5,000 and above $5,000.00 0.80 0.80 n/a
HSA Club Account $0–$499.99 $1000.00 0.60 0.60 n/a
$500–$4,999.99 $500.00 0.70 0.70 n/a
$5,000 and above $5,000.00 0.80 0.80 n/a
Vacation Club/Santa Savings $25–$499.99 $25.00 0.60 0.60 n/a
$500–$4999.99 $500.00 0.70 0.70 n/a
$5000 & above $5,000.00 0.75 0.75 n/a
Palmetto Checking Account balance $500–$4,999.99 0.70 0.70 n/a
$5,000 and above 0.75 0.75 n/a
Money Market Checking $0–$2,499.99 $2500 n/a n/a n/a
$2,500–$9999.99 $2500 0.70 0.70 n/a
$10,000– $24,999.99 $10,000.00 0.80 0.80 n/a
$25,000 & above $25,000.00 0.85 0.85 n/a

*The dividend rate and annual percentage yield are accurate as of 06/30/23 and may change at any time without prior notice. Excess withdrawal fees could reduce earnings on account.

Certificates Minimum Deposit Dividend Rate* Annual Percentage Yield* Term
6-Month Share Certificate $1,000 1.15 1.15 6
1-Year Share Certificate $1,000 1.49 1.50 12
18-Month Share Certificate $1,000 1.59 1.60 18
2-Year Share Certificate $1,000 1.44 1.45 24
3-Year Share Certificate $1,000 1.39 1.40 36
6-Month IRA Share Certificate $1, 000 1.19 1.20 6
1-Year IRA Share Certificate $1,000 1.54 1.55 12
18-Month IRA Certificate $1,000 1.64 1.65 18
2-Year IRA Share Certificate $1,000 1.49 1.50 24
3-Year IRA Share Certificate $1,000 1.44 1.45 36

*The dividend rate and annual percentage yield are accurate as of 6/30/23. Contact the Credit Union for more information about rates and fees. Substantial penalty for early withdrawal of certificates.

Account Type Minimum Deposit Dividend Rate* Annual Percentage Yield*
Jumbo Money Market $250,000 – $499,999.99 1.90% 1.90%
$500,000 – $999,999.99 4.00% 4.00%
$1,000,000 – ABOVE 4.20% 4.20%

*The dividend rate and annual percentage yield are accurate as of 06/30/23 and may change at any time without prior notice. Excess withdrawal fees could reduce earnings on account.

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