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Risk-Based | Loans | Savings | Certificates
Call for loan rates. Rate based on creditworthiness, collateral and term. Discounts may be available.
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Savings, Checking and Money Market Accounts - Effective as of 04/1/2013-04/30/2013
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| Savings, Checking and Money Market Types |
Rate |
APY*
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| Regular Savings $0.01 - $99.99 ($5 to open, $100 each day to earn disclosed APY) |
0.00 |
0.00 |
| Regular Savings $100.00 - $2499.99 ($5 to open, $100 each day to earn disclosed APY) |
0.10 |
0.10 |
| Regular Savings $2,500.00 - $4,999.99 ($5 to open, $100 each day to earn disclosed APY) |
0.10 |
0.10 |
| Regular Savings $5,000.00 - $9,999.99 ($5 to open, $100 each day to earn disclosed APY) |
0.10 |
0.10 |
| Regular Savings $10,000.00 - $Above ($5 to open, $100 each day to earn disclosed APY) |
0.10 |
0.10 |
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| IRA Savings up to $9,999.99 ($5 to open) |
0.10 |
0.10 |
| IRA Savings $10,000.00 - $39,999.99 ($5 to open) |
0.10 |
0.10 |
| IRA Savings $40,000 - $Above ($5 to open) |
0.10 |
0.10 |
| Basic Plus Checking up to $499.99 ($500 each day to earn disclosed APY) |
0.00 |
0.00 |
| Basic Plus Checking $500.00 - $2,499.99 ($500 each day to earn disclosed APY) |
0.06 |
0.06 |
| Basic Plus Checking $2,500.00 - $4,999.99 ($500 each day to earn disclosed APY) |
0.06 |
0.06 |
| Basic Plus Checking $5,000.00 - $9,999.99 ($500 each day to earn disclosed APY) |
0.08 |
0.08 |
| Basic Plus Checking $10,000.00 - Above ($500 each day to earn disclosed APY) |
0.10 |
0.10 |
| Premier Interest Checking up to $2,499.99 ($1,000 each day to earn disclosed APY) |
0.07 |
0.07 |
| Premier Interest Checking $2,500.00 - $4,999.99 ($1,000 each day to earn disclosed APY) |
0.07 |
0.07 |
| Premier Interest Checking $5,000.00 - $9,999.99 ($1,000 each day to earn disclosed APY) |
0.07 |
0.07 |
| Premier Interest Checking $10,000.00 - $Above ($1,000 each day to earn disclosed APY) |
0.07 |
0.07 |
| Advantage 55 Checking (over age 55) $500 and above ($500 each day to earn disclosed APY) |
0.00 |
0.00 |
| Money Market Account $2,500.00 - $9,999.99 ($2500 to open, $2500 each day to earn disclosed APY) |
0.14 |
0.14
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| Money Market Account $10,000.00 - $24,999.99 ($2500 to open, $2500 each day to earn disclosed APY) |
0.14 |
0.14 |
| Money Market Account $25,000.00 - $49,999.99 ($2500 to open, $2500 each day to earn disclosed APY) |
0.18 |
0.18 |
| Money Market Account $50,000.00 - $99,999.99 ($2500 to open, $2500 each day to earn disclosed APY) |
0.20 |
0.20
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Money Market Account $100,000.00 and above ($2500 to open, $2500 each day to earn disclosed APY)
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0.30 |
0.30
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| Commercial Money Market $2,500.00 - $9,999.99 ($2500 to open, $2500 each day to earn disclosed APY) |
0.14 |
0.14 |
| Commercial Money Market $10,000.00 - $24,999.99 ($2500 to open, $2500 each day to earn disclosed APY) |
0.14 |
0.14 |
| Commercial Money Market $25,000.00 - $49,999.99 ($2500 to open, $2500 each day to earn disclosed APY) |
0.18 |
0.18 |
| Commercial Money Market $50,000.00 - $99,999.99 ($2500 to open, $2500 each day to earn disclosed APY) |
0.20 |
0.20 |
| Commercial Money Market $100,000.00 and above ($2500 to open, $2500 each day to earn disclosed APY) |
0.30 |
0.30 |
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Certificate and IRA Certificate Accounts Effective 05/01/2013 Subject to change weekly
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| Certificate and IRA Certificate Account Types |
Rate |
APY* |
Term in Months |
| 6 Months-IRA ($1,000 to open) |
.180 |
.180 |
6 |
| 6 Months-Non IRA ($1,000 to open) |
.180 |
.180 |
6 |
| 6 Month Mini Jumbo-IRA ($40,000 to open) |
.230 |
.230 |
6 |
| 6 Month Mini Jumbo-Non IRA ($40,000 to open) |
.230 |
.230 |
6 |
| 6 Month Jumbo-IRA ($75,000 to open) |
.280 |
.280 |
6 |
| 6 Month Jumbo -Non IRA ($75,000 to open) |
.280 |
.280 |
6 |
| 12 Months -IRA ($1,000 to open) |
.300 |
.300 |
12 |
| 12 Months - IRA Education ($1,000 to open) |
.300 |
.300 |
12 |
| 12 Months - IRA Roth ($1,000 to open) |
.300 |
.300 |
12 |
| 12 Months -Non IRA ($1,000 to open) |
.300 |
.300 |
12 |
| 12 Month Mini Jumbo- IRA ($40,000 to open) |
.350 |
.350 |
12 |
| 12 Month Mini Jumbo- Non IRA ($40,000 to open) |
.350 |
.350 |
12 |
| 12 Month Jumbo-IRA ($75,000 to open) |
.400 |
.400 |
12 |
| 12 Month Jumbo-Non IRA ($75,000 to open) |
.400 |
.400 |
12 |
| 18 Months-IRA ($1,000 to open) |
.350 |
.350 |
18 |
| 18 Month-Non IRA ($1,000 to open) |
.350 |
.350 |
18 |
| 24 Month Step Rate -IRA ($5,000 to open) |
.600 |
.600 |
24 |
| 24 Month Step Rate -Non IRA ($5,000 to open) |
.600 |
.600 |
24 |
| 24 Month Step Rate Plus-Non IRA ($10,000 to open) |
.700 |
.700 |
24 |
| 24 Months-IRA ($1,000 to open) |
.500 |
.500
|
24 |
| 24 Months - IRA Roth ($1,000 to open) |
.500 |
.500 |
24 |
| 24 Months - IRA Step Rate Education ($5,000 to open) |
.600 |
.600 |
24 |
| 24 Months - IRA Step Rate Roth ($5,000 to open) |
.600 |
.600 |
24 |
| 24 Months-Non IRA ($1,000 to open) |
.500 |
.500 |
24 |
| 36 Months-IRA ($1,000 to open) |
.900 |
.900 |
36 |
| 36 Months-Non IRA ($1,000 to open) |
.900 |
.900 |
36 |
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48 Months-IRA ($1,000 to open)
|
1.00 |
1.00 |
48
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| 48 Months - IRA Eductation ($1,000 to open) |
1.00 |
1.00 |
48 |
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48 Months-Non IRA ($1,000 to open)
|
1.00 |
1.00 |
48 |
| 60 Months-Non IRA ($1,000 to open) |
1.24 |
1.25 |
60 |
| 60 Month- IRA ($1,000 to open) |
1.24 |
1.25 |
60 |
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Loan Type
|
Annual Percentage Rate |
Terms Available |
| New Auto |
2.99% to 13.75% |
Up to 78 Months |
| Used Auto |
2.99% to 14.75% |
Up to 72 Months |
| Boat, Motor, Trailer - New |
2.99% to 13.50% |
Up to 96 Months |
| Boat, Motor, Trailer - Used |
2.99% to 15.00% |
Up to 84 Months |
| Motorcycle - New |
2.99% to 14.00% |
Up to 72 Months |
| Motorcycle - Used |
2.99% to 16.25% |
Up to 60 Months |
| Recreational Vehicle - New (RV & Travel Trailers) |
2.99% to 13.75% |
Up to 120 Months |
| Recreational Vehicle - Used (RV & Travel Trailers) |
2.99% to 15.00% |
Up to 84 Months |
| Other Collateral |
4.00% to 14.75% |
Up to 84 Months |
| Personal |
5.75% to 17.79% |
Up to 60 Months |
| Other Recreational Vehicles - New |
2.99% to 13.75% |
Up to 60 Months |
| Other Recreational Vehicles - Used |
2.99% to 15.00% |
Up to 48 Months |
| Aluminum Horse Trailer with Living Quarters (New or Used) |
2.99% to 8.50% |
Up to 180 Months |
| Line of Credit-Smart Cash |
8.00% to 17.50% |
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| Summer/Holiday Promo |
10.00% |
Up to 36 Months |
| Share Secured |
4.00% |
Up to 60 Months |
| Certificate Secured |
2% above collateral certificate rate |
Up to 60 Months
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*APY=Annual Percentage Yield.
Term is stated in months.
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All loan and certificate rates are subject to change. Early withdrawal penalties may apply. Fees may reduce earnings on accounts. Certificates automatically renew on the scheduled maturity date at the then current rate for the specific product. The A.P.Y. assumes that dividends remain in the account until maturity. Withdrawals will reduce earnings.
The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your creditworthiness, the term and collateral offered. Not all collateral can be financed for the maximum term stated.
Preferred Rate: With the exception of Smart Cash Lines of Credit and personal loans, you may receive a discount of 0.25% on your Annual Percentage Rate (APR) if you make your payments through automatic draft. You may also qualify for a discount of up to 0.25% on your APR if your advance is 80% or less of Manufacturer's Suggested Retail Price (MSRP). For Smart Cash Lines of Credit, you may receive a discount of 1.50% if you maintain a checking account with CSCU. For Personal loans, you may receive a discount of 1.00% if you maintain a checking account with CSCU. The discount you receive is based on the type of loan sub account and your creditworthiness. The interest rate shown above in the lowest rate range reflects all available discounts for automatic transfer, equity and CSCU Checking. The actual rate you may receive is based on the terms of the loan and rate discount qualifications, as well as the creditworthiness of the borrower.
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