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 January 9, 2023.
| Loan Risk Category (by Beacon Score) | APR As Low As |
|---|---|
| New Autos/Previous Year (untitled) | *4.99% |
| Used Cars 2013-2022 | *5.50% |
| New Motorcycles, Campers, ATV’s, RV’s, Jetskis | *7.25% |
| Used Motorcycles, Campers, ATV’s, RV’s, Jetskis (Over 60-month term add 1%) | *8.25% |
| New Marine | *7.25% |
| Used Marine (Over 60- to 84-month term add 1%) | *8.25% |
| 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 | 0.10 | 0.10 | n/a |
| $500.00–$4,999.99 | $500.00 | 0.20 | 0.20 | n/a | |
| $5,000 and above | $5,000.00 | 0.25 | 0.25 | n/a | |
| Share Draft | $0–$499.99 | $25.00 | 0.10 | 0.10 | n/a |
| $500.00–$4,999.99 | $500.00 | 0.20 | 0.20 | n/a | |
| $5,000 and above | $5,000.00 | 0.25 | 0.25 | n/a | |
| IRA Share Account | $0–$499.99 | $100 | 0.10 | 0.10 | n/a |
| $500–$4,999.99 | $500.00 | 0.10 | 0.20 | n/a | |
| $5,000 and above | $5,000.00 | 0.30 | 0.30 | n/a | |
| HSA Club Account | $0–$499.99 | $1000.00 | 0.10 | 0.10 | n/a |
| $500–$4,999.99 | $500.00 | 0.20 | 0.20 | n/a | |
| $5,000 and above | $5,000.00 | 0.30 | 0.30 | n/a | |
| Vacation Club/Santa Savings | $25–$499.99 | $25.00 | 0.10 | 0.10 | n/a |
| $500–$4999.99 | $500.00 | 0.20 | 0.20 | n/a | |
| $5000 & above | $5,000.00 | 0.25 | 0.25 | n/a | |
| Palmetto Checking Account | balance $500–$4,999.99 | — | 0.20 | 0.20 | n/a |
| $5,000 and above | — | 0.25 | 0.25 | n/a | |
| Money Market Checking | $0–$2,499.99 | $2500 | n/a | n/a | n/a |
| $2,500–$9999.99 | $2500 | 0.20 | 0.20 | n/a | |
| $10,000– $24,999.99 | $10,000.00 | 0.30 | 0.30 | n/a | |
| $25,000 & above | $25,000.00 | 0.35 | 0.35 | n/a |
*The dividend rate and annual percentage yield are accurate as of 12/30/22 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 | 0.90 | 0.90 | 6 |
| 1-Year Share Certificate | $1,000 | 1.10 | 1.10 | 12 |
| 18-Month Share Certificate | $1,000 | 1.19 | 1.20 | 18 |
| 2-Year Share Certificate | $1,000 | 1.29 | 1.30 | 24 |
| 3-Year Share Certificate | $1,000 | 1.39 | 1.40 | 36 |
| 6-Month IRA Share Certificate | $1, 000 | 0.95 | 0.95 | 6 |
| 1-Year IRA Share Certificate | $1,000 | 1.14 | 1.15 | 12 |
| 18-Month IRA Certificate | $1,000 | 1.24 | 1.25 | 18 |
| 2-Year IRA Share Certificate | $1,000 | 1.34 | 1.35 | 24 |
| 3-Year IRA Share Certificate | $1,000 | 1.44 | 1.45 | 36 |
*The dividend rate and annual percentage yield are accurate as of 3/13/23. Contact the Credit Union for more information about rates and fees. Substantial penalty for early withdrawal of certificates.