Rates

Share Savings Account Rates effective January 01, 2017
Account Type Rate* A.P.Y.* Feature
Member Share .15% .15% Dividend calulated on average daily balance and paid monthly. $100 min. balance to earn dividend.
Regular Savings .15% .15% Dividend calculated on average daily balance and paid monthly. $100 min. balance to earn dividend.
Christmas Club .15% .15% Dividend calculated on average daily balance and paid monthly. $100 min. balance to earn dividend.
IRA .40% .40% Dividend calculated on average daily balance and paid monthly. $100 min. balance to earn dividend.
Escrow Share Account .15% .15% Dividend calculated on average daily balance and paid monthly. $100 min. balance to earn dividend.


Money Market Rates effective January 01, 2017
Balance Rate A.P.Y. Feature
$5,000 - $24,999 .25% .25% Dividend calculated on average daily balance and paid monthly. $5,000 min. balance to earn dividend.
$25,000 and over .40% .40% $25,000 minimum balance to earn this higher rate.


Share Certificate rates* effective January 01, 2017
Term $1,000-$9,999 Rate A.P.Y. $10,000-$99,999 Rate A.P.Y. $100,000 & Over Rate A.P.Y.
6 months .40% .40% .45% .45% .50% .50%
12 months .60% .60% .70% .70% .80% .80%
24 months .90% .90% 1.00% 1.00% 1.10% 1.10%


There is a substantial penalty for early withdrawal on all Share Certificates. Rates also apply to IRA Certificates.


* Share savings rates quoted are prospective rates for the month indicated above. Dividend rates on all share accounts are subject to change monthly, and all share certificate rates are subject to change weekly. Please contact a credit union employee at (515) 232-1654 for further information about fees and terms applicable to our accounts.



Loan Rates* effective January 01, 2017
Loan Type 1 Year 2 Years 3 Years 4 Years 5 Years
New Autos 2.50% 2.50% 2.50% 2.75% 2.75%
'13 - '16 Auto 2.50% 2.50% 2.50% 2.75% 2.75%
'10 - '12 Auto 3.50% 3.50% 3.50% 3.65%  
Signature 8.90% 9.90% 10.90%    
Home Equity   2.75% 2.75% 2.75% 2.75%
Home Equity Line Of Credit Variable rate effective January 1, 2017 Adjusted every 6 months   4.25%

Longer terms over 5 years are usually available. Contact the credit union for details on longer terms and rates available.



* All loan rates are quoted as an annual percentage rate, and may be subject to change. Please contact the credit union for current loan rates.