Rates effective December 1, 2018 and are subject to change without notice.
|2010 - 2019 Auto, Truck, or Motorcycle||3.49%||66||$16.68|
|2013-2019 Auto, Truck or Motorcycle||5.49%||84||$14.37|
|2004-2009 Auto, Truck, or Motorcycle||5.49%||48||$23.26|
|Second mortgages--$10,000 or more**|
|5 Year, 80% LTV||3.699%||60||$18.29|
|7 Year, 80% LTV||4.399%||84||$13.86|
|5 Year, 90% LTV||4.699%||60||$18.74|
|7 Year, 90% LTV||5.399%||84||$14.33|
|Home Equity Line of Credit***|
|Line of credit, 80% LTV||5.25%|
|Line of credit, 90% LTV||6.25%|
APR is Annual Percentage Rate. Rates subject to change without notice. Normal lending policies apply. Rates assume electronic payment and e-statement sign-up. Equal Opportunity Lender. NMLS ID: 4463683
Auto: *Minimum loan amount is $5,000.
Second Mortgage: **APR available on owner-occupied, 1-4 family primary residences currently not for sale. Minimum loan amount is $10,000; Closing costs are $295 for loans under $99,999 excluding an appraisal, if needed; these fees could range from $375 - $800. 90% Loan-to-Value (LTV) or less. Property insurance required. Excludes AppleTree refinances. Loan can be amortized up to 15 years.
Home equity line of credit: ***Variable APR available on owner-occupied, 1-4 family primary residences currently not for sale. Rates subject to change monthly on the first Monday following any change in the Prime Rate as published in the Wall Street Journal. As of October 1, Prime Rate, currently stated above as published in the Wall Street Journal plus a margin of 0% (80% Loan-to-Value--LTV) or 1% (90% LTV). Maximum APR is 17.39%. Payment is 1.5% of the unpaid balance as of the last advance or $75 whichever is greater. Minimum line of credit is $10,000; Closing costs are $295 for loans under $99,999 excluding an appraisal, if needed; these fees could range from $375 - $800. 90% LTV or less. Property insurance required. No annual fee.
Secured/Personal loans: ****Minimum loan amount is $1,000. Maximum $10,000. Loans and rates subject to credit approval.
|5-year Smart Refi||3.599%||3.599%||$18.24|
|7-year Smart Refi||3.899%||3.899%||$13.63|
|10-year Fixed Rate, Smart Refi||3.999%||3.999%||$10.13|
Smart Refi First Mortgages: APR available on owner-occupied, 1-4 family primary residences currently not for sale. Rates assume electronic payment and e-statement sign-up. Minimum loan amount $10,000. The 5- and 7-year smart refi is a first mortgage balloon loan where the rate is fixed for 5 or 7 years; it can be amortized up to 30 years. The 10-year rate is fixed rate and term. See credit union for all closing costs/rates/terms. Closing costs due at application. Call AppleTree for rates and closing costs for jumbo mortgage loans. 80% Loan-to-Value (LTV) or less. Property insurance required. Excludes AppleTree refinances. NMLS ID: 4463683
|Account Type||Dividend Rate||APY*||Term|
|Savings-$500 - $2,499||0.06%||0.06%||n/a|
|Savings $2,500 - $4,999||0.11%||0.11%||n/a|
|Savings $10,000 +||0.16%||0.16%||n/a|
|Fun Money Club||0.11%||0.11%||n/a|
|Money Market $1,999 or Less||0.09%||0.09%||n/a|
|Money Market $2,000 to $9,999||0.49%||0.49%||n/a|
|Money Market $10,000 - $24,999||0.51%||0.51%||n/a|
|Money Market $25,000 - $49,999||0.53%||0.53%||n/a|
|Money Market $50,000 - $99,999||0.655%||0.66%||n/a|
|Money Market $100,000+||0.755%||0.76%||n/a|
Effective April 1, 2009: Maximum deposit limits may apply. Please call the credit union for details on this or review our Truth-in-Savings for additional important information. Please read our Truth in Savings in its entirety as it has pertinent information regarding your account and membership.
APY is annual percentage yield. Rates can change after the account is opened. Rates can change at any time. Minimum balance to obtain APY: Savings rate depends on balance $500; $2,500; $5,000. ChoiceChecking $2,000; Fun Money Club $25. LoanRewards $200; Fees could reduce earnings. The credit union reserves the right to limit deposit amounts.
**Available to members with loans at the credit union.
|Account Type||Dividend Rate||APY*||Term|
|Certificate- 6 Months||0.748%||0.75%||6|
|Certificates- 1 Year: SPECIAL||2.52%||2.52%||12|
|Certificates- 2 Years||1.35%||1.35%||24|
|Certificates- 3 Years||1.40%||1.40%||36|
|Certificates- 5 Years||3.00%||3.00%||60|
*APY is annual percentage yield. Rates can change at any time. Minimum balance to obtain APY is $5000; for members 17 and younger $500. Early withdrawal penalties will be imposed. Fees may reduce earnings. Credit union reserves the right to limit deposit amount. Dividends paid annually, except for 6-month certificate which is paid quarterly. Personal accounts only.
All deposit accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. Individual Retirement Accounts are insured to $250,000. The brochure "Your Insured Funds" can be found at the credit union or on NCUA.gov for additional information and examples.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.