Rates

For Share Certificate and IRA Certificate accounts (SC), the amount of the early withdrawal penalty will be as follows on the amount withdrawn (whether earned or not): Less than 6-month SC will result in a 3-month early withdrawal penalty (90 days); 6–18 month SC will result in a 6-month early withdrawal penalty (180 days); Any SC greater than 18 months–66 months will result in a 12-month early withdrawal penalty (365 days). 

Owner's Advantage Account (OAA) Product has been discontinued as of 10/1/2011. Anyone who currently has an OAA Share or IRA Certificate of Deposit will continue to receive the additional 0.10% rate on any renewal of the existing funds. There is no additional 0.10% rate increase on any new money that is invested in a Share or IRA Certificate of Deposit.

* Minimum Deposit to Open Account — not Minimum Balance to Maintain Account

** RedWallet Cash and RedWallet Saver have different yields based on whether or not the account’s monthly qualifications have been met.

For Share Certificate and IRA Certificate accounts (SC), the amount of the early withdrawal penalty will be as follows on the amount withdrawn (whether earned or not): Less than 6-month SC will result in a 3-month early withdrawal penalty (90 days); 6–18 month SC will result in a 6-month early withdrawal penalty (180 days); Any SC greater than 18 months–66 months will result in a 12-month early withdrawal penalty (365 days). 

Owner's Advantage Account (OAA) Product has been discontinued as of 10/1/2011. Anyone who currently has an OAA Share or IRA Certificate of Deposit will continue to receive the additional 0.10% rate on any renewal of the existing funds. There is no additional 0.10% rate increase on any new money that is invested in a Share or IRA Certificate of Deposit. * Minimum Deposit to Open Account — not Minimum Balance to Maintain Account

* RedWallet Cash and RedWallet Saver have different yields based on whether or not the account’s monthly qualifications have been met.

For Share Certificate and IRA Certificate accounts (SC), the amount of the early withdrawal penalty will be as follows on the amount withdrawn (whether earned or not): Less than 6-month SC will result in a 3-month early withdrawal penalty (90 days); 6–18 month SC will result in a 6-month early withdrawal penalty (180 days); Any SC greater than 18 months–66 months will result in a 12-month early withdrawal penalty (365 days). 

Owner's Advantage Account (OAA) Product has been discontinued as of 10/1/2011. Anyone who currently has an OAA Share or IRA Certificate of Deposit will continue to receive the additional 0.10% rate on any renewal of the existing funds. There is no additional 0.10% rate increase on any new money that is invested in a Share or IRA Certificate of Deposit.

* Minimum Deposit to Open Account — not Minimum Balance to Maintain Account

** RedWallet Cash and RedWallet Saver have different yields based on whether or not the account’s monthly qualifications have been met

* Terms greater than 84 months have a minimum loan amount of $60,000.00

** You may determine the current APR by reviewing the current Share/Certificate rates above and adding three percentage points.

*** Underwriting standards apply. Owner’s Reserve is an open-end loan product that has a fixed 18.00% Annual Percentage Rate. 

¹ Term of up to 24 months; estimated monthly payment of $43.25 per $1,000.00 borrowed. The APR is the Credit Union's standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

² Term of up to 24 months; estimated monthly payment of $43.47 per $1,000.00 borrowed. The APR is the Credit Union's standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

³ Term of up to 24 months; estimated monthly payment of $43.60 per $1,000.00 borrowed. The APR is the Credit Union's standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

⁴ Term of up to 24 months; estimated monthly payment of $43.83 per $1,000.00 borrowed. The APR is the Credit Union's standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

⁵ Term of up to 24 months; estimated monthly payment of $46.03 per $1,000.00 borrowed. The APR is the Credit Union's standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

+ Closing costs may range from $150.00 to $1,000.00.

****  Home Equity Line of Credit rate is subject to change monthly on existing loans and is based on being .25% below (or .25% above for up to 90% Loan to Value) the Wall Street Journal Prime rate listed on the 15th day of the previous month.  Prime Rate as of 09/27/2018 is 5.25%.

+ Closing costs may range from $150.00 to $1,000.00.

^^ The number of years it will take to pay off a loan. The loan term is used to determine the payment amount, repayment schedule and total interest paid over the life of the loan. For example, a loan of $50,000 with an 8.25% APR for 15 years would have 180 monthly payment of $487.22 each and total interest paid of $37,698.21.

^XX There are no minimum, fixed, transaction or activity charges.  The maximum interest rate is 18.00%

+ Closing costs may range from $150.00 to $1,000.00.