Rates


Share Account Dividends

Dollars Rate Annual Percentage Yield**
$100 – $5,000 0.15% 0.15%
$5,001 – $20,000 0.15% 0.15%
$20,001 – $40,000 0.15% 0.15%
$40,001 – $60,000 0.15% 0.15%
$60,001 – $9,999,999 0.15% 0.15%

The above tier structure reflects the current dividend payable on October 1, 2018. The APY** is accurate as of September 17, 2018. A minimum balance of $100 is required in share accounts to obtain the APY** above.
Fees could reduce the earnings on dividend-bearing accounts.
Share accounts that bear dividends closed before quarter end will forfeit the APY** earned for the quarter.


Share Certificate Terms and Rates, Effective 8-20-18

Term Dividend Rate Annual Percentage Yield**
6 Months 0.25% 0.25%
12 Months 0.35% 0.35%
18 Months 0.45% 0.45%
24 Months 0.60% 0.60%

Certificate holders will be paid the applicable rate on the entire balance until maturity.
For current rate and yield information, please call the credit union at (660) 582-5747.


Loan Rates

Loan Account Type Allowable Term2 Annual Percentage Rate* Base Rate (APR*)
Share Secured 62 months 3.00% above last dividend paid N/A
Credit Builder, $1,000 12 months 18.00% N/A
New Autos, 100% Financed3 up to 74 months 4.99% to 14.49% 6.49%
Used Autos, 2015-2017 62 months 5.99% to 15.49% 7.49%
Used Autos, 2014 50 months 6.24% to 15.74% 7.74%
Loans Over $10,000 56 months 6.50% to 16.00% 8.00%
Used Autos, 2010-2013 44 months 6.75% to 16.25% 8.25%
Loans Over $10,000 50 months 7.00% to 16.50% 8.50%
Used Autos, 2003-2009 38 months 10.00% to 19.50% 11.50%
Used Autos, 2002 & Older 32 months 12.75% to 22.25% 14.25%
Young Adult Auto Loan 60 months *Based on co-signer, see above rates *see above*
Vintage Autos 1983 & Older1
$0 — $5,000 26 months 5.99% to 15.49% 7.49%
$5,001 — $7,500 38 months 5.99% to 15.49% 7.49%
$7,501 — $12,500 50 months 5.99% to 15.49% 7.49%
$12,501 & Above 62 months 5.99% to 15.49% 7.49%
Other Secured 44 months 9.75% to 19.25% 11.25%
Signature Loan (Up to $5,000) 44 months 12.50% to 22.00% 14.00%
Extended Checking $0 to $500 $30 payment 12.50% to 22.00% 14.00%
Unsecured A — C
$500 to $1,000 14 months 7.50% to 17.00% 9.00%
$1,001 to $3,000 20 months 7.50% to 17.00% 9.00%
$3,001 to $5,000 26 months 7.50% to 17.00% 9.00%
Term Signature, Max $5,000 6 months 12.50% to 22.00% 14.00%
Helping Hands, $500 90 days 25.00% No Base
New Motorcycles, ATVs, Snowmobiles,
Personal Watercraft, Trailers
(85% financed of purchase price)
62 months 6.75% to 16.25% 8.25%
New Motorcycles, ATVs, Snowmobiles,
Personal Watercraft, Trailers
(85% financed of purchase price)
50 months 7.75% to 17.25% 9.25%
New RVs and Campers
(85% financed of purchase price)
74 months 6.75% to 16.25% 8.25%
Loans Over $20,000 122 months 6.75% to 16.25% 8.25%
Used RVs and Campers
(85% financed of purchase price)
74 months 7.75% to 17.25% 9.25%
Loans Over $20,000 122 months 7.75% to 17.25% 9.25%
New Boast
(85% financed of purchase price)
74 months 6.75% to 16.25% 8.25%
Used Boats
(80% of purchase price)
62 months 7.75% to 17.25% 9.25%

1Vintage Autos – 85% Market Value by current NADA per Appropriate Vehicle Condition Scale.
2Your term and annual percentage rate may vary depending on your credit worthiness. Please ask a loan officer for details regarding how your rate is determined.
3Conditions Apply for 100% Financing.