Rates

Rates
Rates are accurate as of August 1, 2017 and are subject to change.

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Savings and Checking Rates
Account Opening Deposit Minimum to Earn Dividends Tier Rate APY
Primary Savings $5.00 $50.00 $50.00 – $9,999.99 .15% .15%
$10,000.00 – $19,999.99 .20% .20%
$20,000.00 – $39,999.99 .20% .20%
$40,000.00 or more .20% .20%
Special "4" $1.00 .15% .15%
Christmas Club $1.00 .15% .15%
Money Market $2,500.00 $5,000.00 $5,000.00 – $19,999.99 .35% .35%
$20,000.00 – $29,999.99 .40% .40%
$30,000.00 – $49,999.99 .45% .45%
$50,000.00 – $99,999.99 .50% .50%
$100,000.00 or more .50% .50%
Traditional Checking $500.00 .15% .15%
IRA .20% .20%
DBA Checking (Doing Business As) $30.00 $1,000.00 .15% .15%
Business Checking $30.00 $2,000.00 .15$ .15%
Rates are variable and may change after the account is opened. Fees could reduce earnings. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.
Certificate Rates
Certificate/IRA Term Minimum Opening Deposit/Balance Dividend Rate Annual Percentage Yield (“APY”) Based on Quarterly Compounding
3 month Certificate $1,000.00 .60% .60%
6 month Certificate $1,000.00 .79% .80%
12 month Certificate $1,000.00 1.09% 1.10%
13 month Certificate $1,000.00 1.24% 1.25%
18 month Certificate $1,000.00 1.34% 1.35%
24 month Certificate $1,000.00 1.54% 1.55%
24 month BOOST* Certificate $1,000.00 1.44% 1.45%
36 month Certificate $1,000.00 1.68% 1.70%
48 month Certificate $1,000.00 1.88% 1.90%
48 month BOOST Certificate $1,000.00 1.79% 1.80%
60 month Certificate $1,000.00 2.03% 2.05%
The Annual Percentage Yield (APY) assumes that dividends are compounded and will remain in the account until maturity. A penalty for early withdrawal may be imposed. Fees could reduce earnings. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200. *Certificate with a Dividend Rate Change Request Option: At any time after the first seven days of receipt of your initial deposit you may request that the dividend rate on your applicable Certificate be changed to the dividend rate then offered by the Credit Union for the then current Certificate of the same type and term as your original Certificate as long as you continue to maintain the minimum balance and meet the other requirements for this Certificate Account. The new dividend rate will apply to your then current balance beginning no later than the first business day after we actually receive your rate change request, and will apply until your original account maturity date, which will not change. You may make your request for a dividend rate change over the telephone, by mail, by email, or in person. You are allowed a dividend rate change only once during each term or renewal term of your Certificate. The Credit Union may honor the request for a dividend rate change by a joint account holder without first obtaining the consent of the other joint account holders. You agree to be bound by these terms and conditions which are in addition to the terms and conditions in our other Agreements with you.
Jumbo Certificate Rates
Jumbo Certificate/Jumbo IRA Term Minimum Opening Deposit/Balance Dividend Rate Annual Percentage Yield (“APY”) Based on Quarterly Compounding
3 month Certificate $100,000.00 .70% 70%
6 month Certificate $100,000.00 .89% .90%
12 month Certificate $100,000.00 1.19% 1.20%
13 month Certificate $100,000.00 1.34% 1.35%
18 month Certificate $100,000.00 1.44% 1.45%
24 month Certificate $100,000.00 1.64% 1.65%
24 month BOOST* Certificate $100,000.00 1.54% 1.55%
36 month Certificate $100,000.00 1.78% 1.80%
48 month Certificate $100,000.00 1.98% 2.00%
48 month BOOST* Certificate $100,000.00 1.89% 1.90%
60 month Certificate $100,000.00 2.13% 2.15%
The Annual Percentage Yield (APY) assumes that dividends are compounded and will remain in the account until maturity. A penalty for early withdrawal may be imposed. Fees could reduce earnings. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200. *Certificate with a Dividend Rate Change Request Option: At any time after the first seven days of receipt of your initial deposit you may request that the dividend rate on your applicable Certificate be changed to the dividend rate then offered by the Credit Union for the then current Certificate of the same type and term as your original Certificate as long as you continue to maintain the minimum balance and meet the other requirements for this Certificate Account. The new dividend rate will apply to your then current balance beginning no later than the first business day after we actually receive your rate change request, and will apply until your original account maturity date, which will not change. You may make your request for a dividend rate change over the telephone, by mail, by email, or in person. You are allowed a dividend rate change only once during each term or renewal term of your Certificate. The Credit Union may honor the request for a dividend rate change by a joint account holder without first obtaining the consent of the other joint account holders. You agree to be bound by these terms and conditions which are in addition to the terms and conditions in our other Agreements with you.
Secured Rates
Secured Loan Term Interest Rate (as low as) Annual Percentage Rate (APR) Example (per $1,000 borrowed)
48 months 4.75% 4.75% $22.93
60 months 5.25% 5.25% $19.00
120 months 5.75% 5.75% $10.99
144 months 6.50% 6.50% $10.03
180 months 7.25% 7.25% $9.14
Rate and term based on creditworthiness, amount financed, and collateral. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.
Signature Rates
Signature Loan Term Interest Rate (as low as Annual Percentage Rate (APR) Example (per $1,000 borrowed)
18-months 6.00% 6.00% $58.25
24-months 6.50% 6.50% $44.56
36-months 7.50% 7.50% $30.88
48-months 8.50% 8.50% $24.66
Rate and term based on creditworthiness. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.
NuPal Loan
Interest Rate Annual Percentage Rate (APR) Example of minimum monthly balance Example of minimum monthly payment
16.00% 16.00% $0-$300 Lessor of balance or $20
$301-$600 $40
$601-$1,000 $50
$1,001-$1,500 $60
$1,501-$2,000 $70
$2,001-$2,500 $80
$2,501-$3,000 $90
$3,001-$3,500 $105
$3,501-$4,000 $120
If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.
SecurePal
Interest Rate Annual Percentage Rate (APR) Example of minimum monthly balance Example of minimum monthly payment
5.00% 5.00% $0-$300 Lessor of balance or $20
$301-$600 $40
$601-$1,000 $50
$1,001-$1,500 $60
$1,501-$2,000 $70
$2,001-$2,500 $80
$2,501-$3,000 $90
$3,001-$3,500 $105
$3,501-$4,000 $120
If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.
Auto Loan Rates
Auto Loan Term Interest Rate (as low as) Annual Percentage Rate (APR) Minimum Loan Amount Example Payment per $1,000
36 months 3.09% 3.09% $29.04
48 months 3.09% 3.09% $22.09
60 months 3.09% 3.09% $17.93
78 months 3.49% 3.49% $12,000 $14.17
84 months 3.59% 3.59% $20,000 $13.40
All loan programs, rates, terms and conditions are subject to credit approval and underwriting requirements and may change at any time without notice. Rate and term based on creditworthiness, amount financed and age of vehicle. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.
RV Loan Rates
RV Loan Term Interest Rate (as low as) Annual Percentage Rate (APR) Minimum Loan Amount Example Payment per $1,000
84 months 5.75% 5.75% $8,000 $14.49
120 months 5.75% 5.75% $10,000 $10.98
144 months 5.75% 5.75% $15,000 $9.64
180 months 5.75% 5.75% $30,000 $8.31
All loan programs, rates, terms and conditions are subject to credit approval and underwriting requirements and may change at any time without notice. Rate and term based on creditworthiness, amount financed, and age of vehicle. Relationship discounts are not available. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.
Mortgage Rates
Term Interest Rate (as low as) APR Value Example Payment per $1,000
Retire Your Mortgage 60 months 2.750% 3.268% 80% $17.86
84 months 3.000% 3.378% 80% $13.22
120 months 3.250% 3.522% 80% $9.78
Fixed Mortgage 10 year fixed 3.250% 3.449% 95% $9.78
15 year fixed 3.250% 3.389% 95% $7.03
20 year fixed 3.500% 3.609% 95% $5.80
30 year fixed 3.750% 3.860% 95% $4.64
Adjustable Mortgage 15 year adjustable 2.750% 3.005% 100% $6.79
30 year adjustable 3.000% 3.087% 90% $4.22
For additional information see Mortgage Rate Terms and Conditions at bottom of page.
Second Mortgage/Home Equity
Interest Rate(as low as) APR Value Example Payment per $1,000
5 year fixed 5.000% 5.142% 90% $18.88
10 year fixed 5.500% 5.576% 90% $10.86
For additional information see Mortgage Rate Terms and Conditions at bottom of page.
Unimproved Land
Interest Rate (as low as) APR Value Example Payment per $1,000
4 year platted (subdivision) 4.750% 5.677% 90% $22.92
4 year unplatted 4.750% 5.677% 80% $22.92
5 year platted (subdivision) 5.250% 6.008% 90% $18.99
5 year unplatted 5.250% 6.008% 80% $18.99
10 year platted (subdivision) 5.750% 6.157% 90% $10.98
10 year unplatted 5.750% 6.157% 80% $10.98
For additional information see Mortgage Rate Terms and Conditions at bottom of page.
Mortgage Rate Terms and Conditions

The displayed Annual Percentage Rate (APR) for “Fixed Mortgages” and “Adjustable Mortgages” assumes a loan amount of $150,000.00 and reflects the interest rate, approximate cost of prepaid finance charges and any origination charge if applicable, but does not include other closing costs.

The displayed Annual Percentage Rate (APR) for “Retire Your Mortgage”, “Second Mortgage/Home Equity”, and “Unimproved Land” assumes a loan amount of $50,000.00 and reflects the interest rate, approximate cost of prepaid finance charges and any origination charge if applicable, but does not include other closing costs.

The APR is calculated based on a loan to collateral value of 80% for fixed rate first position mortgage programs.

The rate may be based on creditworthiness and loan to value of the collateral. Rates provided are based on current market rates and are informational only. Rates on adjustable mortgages may increase after consummation.

Example payments per $1,000 are for stated term. Payment amounts are estimated and include only principal and interest amounts. Actual payments may be higher and may include taxes and insurance premiums, if applicable.

Primary residence and second home mortgages are available for first position mortgages. Second mortgages and home equity loans are available on primary residence properties only. Mortgages not available on rental property.

On adjustable mortgage with terms of 15 years or less the adjustments are every three years and are capped at 1% with a 4% total increase over the life of the loan.

On adjustable mortgage with terms of more than 15 years the adjustments are every three years and are capped at 1% with a 6% total increase over the life of the loan.

If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.