Bundle and Save on Rates
Open a membership, and we’ll cover your membership share deposit! Add a checking account, automatic transfer, and/or VISA credit card to unlock up to a 0.50% rate reduction on auto and home equity loans (1). It pays to belong!
Our Current Rates
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates are effective as of December 19, 2024. Fees may reduce earnings. Rates are subject to change without notice.
Savings Accounts
| Account | Dividend Rate | APY |
|---|---|---|
| Member Savings (Dividends paid on account balance over $200) | 0.08% | 0.08% |
| IRAs - Traditional (no income limitations) | 0.80% | 0.80% |
| IRAs - ROTH (income limitations) | 0.80% | 0.80% |
| Coverdell Education Savings | 0.80% | 0.80% |
| WINcentive Savings ($5 minimum balance) | 1.00% | 1.01% |
Dividends are paid on a monthly basis.
A Share Savings balance of $10 is required to maintain a credit union membership.
Share and CD Secured Advances: The Annual Percentage Rate will be the dividend rate being paid on regular Shares or the Certificate on the date of the advance plus 2% or a rate of 4% – whichever is higher. You must keep the Shares or Certificate on deposit until the loan amount has been repaid. The Annual Percentage Rate you receive will be on the Disbursement Receipt given to you at the time the loan is taken.
WINcentive Savings (WSA): A member may make a maximum of two (2) withdrawals from this account during any twelve (12) month period, with early withdrawal penalties of $10 for a first withdrawal, and $25 for a second withdrawal. More than two (2) withdrawals will result in the closure of the WSA. If a WSA is closed, the member is ineligible toopen another WSA for a period of 90 days.
Auto / RV / Boat Loans
| Loan Type | Term | APR New (2023-2024) As Low As | APR Used (2022 & Older) As Low As |
|---|---|---|---|
| Car, Truck, Motorcycle, Boat, Motor Home or RV*** | 36 Months | 5.50% | 6.50% |
| Car, Truck, Motorcycle, Boat, Motor Home or RV*** | 48 Months | 6.00% | 7.00% |
| Car, Truck, Motorcycle, Boat, Motor Home or RV*** | 60 Months | 6.50% | 7.50% |
| Car, Truck, Motorcycle, Boat, Motor Home or RV*** | 72 Months | 7.00% | 8.00% |
| Car, Truck, Motorcycle, Boat, Motor Home or RV*** | 84 Months | 7.50% | N/A |
| Snowmobile, Jet Ski or ATV*** | Up to 60 Months | 7.50% | 9.00% |
| Snowmobile, Jet Ski or ATV*** | Up to 72 Months | 8.00% | N/A |
Personal Loans
| Loan Type | APR | Term |
|---|---|---|
| Fine Line of Credit (Overdraft Protection) | 12.90% | Up to 24 Months |
| Personal Signature up to $20,000*** | 11.00% | 24 Months |
| Personal Signature up to $20,000*** | 11.50% | 48 Months |
| Personal Signature up to $20,000*** | 12.00% | 60 Months |
| VISA® Platinum Credit Card (No annual fee, 5 day grace period) | 7.90% | N/A |
Share and CD Secured – Up to 60 Months: The annual percentage rate, which is given at the time the loan is advanced, will be the dividend rate being paid on regular shares or CD secured on the date of the advance plus 2% or a rate of 4%, whichever is higher. The share or CD balance will be pledged until the loan is repaid.
Home Equity Line of Credit
| Loan Type | APR | Term |
|---|---|---|
| Home Equity Line of Credit 80% LTV 10 Year Term*** | 8.25% | 120 Months |
| Home Equity Line of Credit 80% LTV 15 Year Term*** | 8.50% | 180 Months |
Conventional Mortgages: Please call us at 651-228-7668, opt. 2 to hear about options for these real estate products.
***Disclosed rate is the lowest rate available. Actual rate will be based on credit score.
Rates are subject to change without notice. All loans are subject to credit approval.
Home loans may be subject to closing costs and appraisals.
Variable rate Home Equity loans are based on the Wall Street Journal Prime Rate.
Max APR 18%. Call the credit union for more information.
(1) Loan Discounts may be granted by selecting from two of the following three choices: (1) 0.25% discount for a BaZing checking account, (2) 0.25% discount for an active VISA® credit card through the Credit Union, or (3) 0.25% discount for autopay. Accounts must be active and in good standing.