Savings and Deposit Account Rates.

Annual Percentage Yield and Dividend Rates

As of October 19, 2018

Regular share Savings Accounts

There is a minimum balance of $100.00 to receive a dividend on the regular share account. There is a membership fee of $1.00 to initially set up a new share account. $5.00 must remain in the account at all times to be a member.

Range	Dividend Rate	APY
$0.00 to $99.99	0.00%	0.00%
$100.00 and over	0.20%	0.20%

Club Accounts

Christmas, Vacation, and Summer Payment Accounts. There is a minimum balance of $0.01 to receive a dividend on the club account.

Range	Dividend Rate	APY
$0.01 and over	0.20%	0.20%

Escrow Accounts

There is a minimum balance of $0.01 to receive a dividend on the escrow account.

Range	Dividend Rate	APY
$0.01 and over	0.10%	0.10%

Share Draft Checking Account

The Credit Union is currently not paying a dividend on share draft checking accounts regardless of the balance.

*** Dividends are accrued daily and paid monthly, on the first day of the next month. If on any day your balance falls below the minimum balance you will not receive dividend for that day. If you close your account before the accrued dividend is paid you will not receive a dividend.

Term Share Certificate Account

$500 Minimum	Dividend Rate	APY
12 months (1 year)	0.75%	0.75%
24 months (2 years)	1.00%	1.00%
36 months (3 years)	1.14%	1.15%
48 months (4 years)	1.24%	1.25%
60 months (5 years)	1.49%	1.50%

Please note that the one year through five year term share certificates earn dividends, which are paid quarterly into the term share certificate. Early redemption penalty is the forfeiture equal to the smaller of the following two amounts: dividends since the date of issuance, or 90 days dividend per years of purchase. (Dividends are paid on the last day of March, June, September, December, and at maturity.) Certificates purchased now automatically renew at maturity unless otherwise notified.

** Dividends may be paid only from current income and accumulated earnings, after required transfers to reserves at the end of each dividend period, except in the case of term share certificate accounts where the dividend rate is fixed for the term account. The APY and APR applicable to an account may therefore change from time to time as determined by the Credit Union’s Board of Directors at its discretion.

Loan Account Rates

Type of loan	Term	APR*
AUTO (2016 & newer) 80% of NADA plus taxes and fees. APR as low as 2.00% (includes discount for payment by transfer and borrowing 80% or less)
New Auto (2016 & newer)	0 – 42 months	2.00% – 11.25%
Auto (2016 & newer) 100% of NADA plus taxes and fees. APR as low as 2.00%(includes discount for payment by transfer.)
New Auto (2016 & newer)	0 – 42 months 43 – 51 months 52 – 63 months 64 – 71 months 72 – 78 months 79 – 84 months	2.25% – 11.50% 2.30% – 11.55% 2.35% – 11.60% 2.40% – 11.65% 3.00% – 14.25% 3.50% – 15.25%
Auto (2014 – 2015) 100% of NADA plus taxes and fees. APR as low as 2.50%(includes discount for payment by transfer.)
Used Auto (2014 – 2015)	0 – 42 months 43 – 51 months 52 – 63 months 64 – 71 months 72 – 78 months 79 – 84 months	2.75% – 12.00% 2.85% – 12.10% 2.95% – 12.20% 3.00% – 12.25% 3.40% – 12.40% 4.00% – 13.25%
Auto (2012 – 2013) 100% of NADA plus taxes and fees. APR as low as 2.75%(includes discount for payment by transfer.)
Used Auto (2012 – 2013)	0 – 42 months 43 – 51 months 52 – 63 months 64 – 71 months 72 months	3.00% – 12.25% 3.15% – 12.40% 3.45% – 14.50% 3.50% – 12.75% 4.25% – 13.50%
Auto (2011) 100% of NADA plus taxes and fees. APR as low as 4.25%(includes discount for payment by transfer.)
Used Auto (2011)	0 – 42 months 43 – 48 months 52 – 63 months 64 – 71 months 72 months	4.50% – 13.75% 4.70% – 13.95% 5.25% – 14.50% 5.50% – 14.75% 6.00% – 15.25%
Auto (2009 – 2010) 100% of NADA plus taxes and fees. APR as low as 4.25%(includes discount for payment by transfer.)
Used Auto (2009 – 2010)	0 – 42 months 43 – 48 months 52 – 63 months 64 – 71 months 72 months	5.00% – 14.25% 5.20% – 14.45% 5.75% – 15.00% 6.00% – 15.25% 6.50% – 15.75%
Auto (2008 & older) 100% of NADA plus taxes and fees. APR as low as 4.25%(includes discount for payment by transfer.)
Used Auto (2008 & older)	0 – 42 months 43 – 48 months	5.50% – 14.75% 5.70% – 14.95%

Type of loan	Term	APR*
Recreational vehicle (anything that can be registered) Borrowing less than $40,000.00 cannot exceed 6 years. Proof of insurance and title must be given to Credit Union. Will loan up to 90%. ATV's, Snowmobiles, Dirt Bikes, Campers, Boats, RV's, Mobile Homes
Recreation vehicle	up to 36 months up to 72 months up to 120 months	4.75% – 13.5% 5.75% – 16.5% 6.75% – 13.5%
Collateral loan Any big purchase item that has a serial number, as long as a UCC form can be filed.	up to 60 months	9.5% – 15.00%
Secured loan Limited to the balance of shares being secured.
Full Secured by Shares	up to 36 months up to 60 months	4.00% 4.75%
Full Secured by Team Share Certificate	up to 60 months	2.00% above certificate rate
Full Secured by Savings at another Institution	up to 60 months	13.5%
Unsecured loan (Signature, Co-Signer, Co-Applicant) Will loan up to 25% of provable income. Can be used for almost any purpose. (Signature – Must be employed in the same profession for one year and have a debt ratio no higher than 40%)
Unsecured loan	up to 60 months	8.5% – 17.99%
Overdraft Protection Loan A line of credit which is added to your share draft account. To Qualify: Must have an excellent Credit History with the Credit Union Must have a good Credit History Debt ratio cannot exceed 50% Must have an expendable income of $1,000.00 per month for the maximum amount.
$0.00 to $2,500.00 $2,500.01 to $3,000.00 $3,000.01 to $4,000.00 *Current rates is 13.0%	$50.00 payment $75.00 payment $100.00 payment	Variable Rate loan 12.00% to 15.5%
Mortgage Rates Please call the Credit Union at (716) 373-0155 for current mortgage rates and available terms. *Purchase and Refinance mortgage Money Available
Mini Equity Loans Available See here for current loan specials* OTHER RESTRICTIONS AND TERMS MAY APPLY ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE