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Loan Rates

Loan rates effective as of

New Auto Loans

     
Type Rates As
Low As
APR* Term (months)
New Auto, Truck or Van (2016 - 2017) - 1.79% 0 to 35 Months
New Auto, Truck or Van (2016 - 2017) - 2.25% 36 to 59 Months
New Auto, Truck or Van (2016 - 2017) - 2.75% 60 to 83 Months
New Auto, Truck or Van (2016 - 2017) - 3.95% 84+ Months

Secured loan terms of 72-83 months require a loan amount in excess of $15,000.
Secured loan terms of 84 months require a loan amount in excess of $20,000.

 

Used Auto Loans

Type Rates As
Low As
APR* Term (months)
Used Auto, Truck or Van   2.49% 0 to 35 Months
Used Auto, Truck or Van   2.95% 36 to 59 Months
Used Auto, Truck or Van   3.45% 60 to 83 Months
Used Auto, Truck or Van   4.65% 84+ Months
Used Classic Vehicles (Inspection Required) 25 Years+   3.49% 72 Months Maximum

Secured loan terms of 72-83 months require a loan amount in excess of $15,000.
Secured loan terms of 84 months require a loan amount in excess of $20,000.

 

Recreational Vehicle Loans

Type Rates As
Low As
APR* Term (months)
RV, ATV, Boat, Motorcycle, Jet Ski, Snwmbile (New) - 1.79% 0 to 35 Months
RV, ATV, Boat, Motorcycle, Jet Ski, Snwmbile (New) - 2.25% 36 to 59
RV, ATV, Boat, Motorcycle, Jet Ski, Snwmbile (New) - 2.75% 60 to 83 Months
RV, ATV, Boat, Motorcycle, Jet Ski, Snwmbile (New) - 3.95% 84+ Months
RV, ATV, Boat, Motorcycle, Jet Ski, Snwmbile (Used) - 2.49% 0 to 35 Months
RV, ATV, Boat, Motorcycle, Jet Ski, Snwmbile (Used) - 2.95% 36 to 59 Months
RV, ATV, Boat, Motorcycle, Jet Ski, Snwmbile (Used) - 3.45% 60 to 83 Months
RV, ATV, Boat, Motorcycle, Jet Ski, Snwmbile (Used) - 4.65% 84+ Months

Secured loan terms of 72-83 months require a loan amount in excess of $15,000.
Secured loan terms of 84 months require a loan amount in excess of $20,000.

 

Credit Cards  

Type Rates As
Low As
APR* Term (months)
Visa Gold (25-Day Grace Period on Purchases) As low as 7.99% No Annual Fee
Visa Platinum (25-Day Grace Period on Purchases) - - With ScoreCard Rewards As low as 11.50% No Annual Fee

Home Equity Loans  

     
Type Rates As
Low As
APR* Term (months)
Home Equity Line of Credit (HELOC) As low as 3.25% Call for Details

 

Mortgages   

Type Rates As
Low As
APR* Term (months)
First Mortgage (360 Months Maximum) Fixed/Variable Call us at 440-997-5919
Home Equity Line of Credit (HELOC) As low as 3.25% Call for Details
Second Mortgage (No Closing Costs) As low as 3.99% Fixed 60 Months
Second Mortgage (No Closing Costs) As low as 4.90% Fixed 120 Months
Second Mortgage (No Closing Costs) As low as 5.25% Fixed 180 Months
Second Mortgage (No Closing Costs) As low as 6.50% Fixed 240 Months

Use our Mortgage Calculators

  • Call our Member Service Representative at 440-997-5919
  • Visit our office at 2043 E. Prospect Rd., Ashtabula, Ohio 44004 [ MAP ]

 

Apply for a Second Mortgage or HELOC

Call one of our Member Service Reps today for more information
and to start you application process at 440-997-5919, Ext. 2.

 

Personal/Signature Loans 

Type Rates As
Low As
APR* Term (months)
Personal/Signature Loan (Unsecured) As low as 7.45% Up to 60 Months
Share/Certificate Loan (term can't exceed maturity of CD) 3.00% APR Over Dividend Up to 60 Months

Maximum term for less than $7,500 is 48 months. Maximum term for more than $7,500 is 60 months.

 

Deposit Rates

Deposit rates effective as of

Savings Rates

Type Dividend Rate APY* Term (months)
Christmas/Vacation Club ($5.00 Minimum) 0.10% 0.10% --
Regular Share Account ($50 min. to earn interest) 0.10% 0.10% --
Special Savings Account 0.10% 0.10% -

 

Money Market Savings

Type Dividend Rate APY* Amount Required
IRA Money Market Account ($250 Minimum) 0.25% 0.25% --
Money Market Savings ($2,500 Min. to Avoid Fee) 0.20% 0.20% $2,500 - $24,999
Money Market Savings ($2,500 Min. to Avoid Fee) 0.25% 0.25% $25,000 to $74,999
Money Market Savings ($2,500 Min. to Avoid Fee) 0.30% 0.30% $75,000 or More

 

IRA Certificates

Type Dividend Rate APY* Term (months)
IRA Certificate ($500 Minimum) 0.30% 0.30% 6 - 10 Months
IRA Certificate ($500 Minimum) 0.40% 0.40% 12 Months
IRA Certificate ($500 Minimum) 0.50% 0.50% 24 Months
IRA Certificate ($500 Minimum) 0.70% 0.70% 36 Months
IRA Certificate ($500 Minimum) 0.85% 0.85% 48 Months
IRA Certificate ($500 Minimum) 1.10% 1.10% 60 Months

 

Share Certificates

Type Dividend Rate APY* Term (months)
Share Certificate ($500 Minimum) 0.30% 0.30% 6 - 10 Months
Share Certificate ($500 Minimum) 0.40% 0.40% 12 Months
Share Certificate ($500 Minimum) 0.50% 0.50% 24 Months
Share Certificate ($500 Minimum) 0.70% 0.70% 36 Months
Share Certificate ($500 Minimum) 0.85% 0.85% 48 Months
Share Certificate ($500 Minimum) 1.10% 1.10% 60 Months

 

 

APY = Annual Percentage Yield
APR = Annual Percentage Rate

* 0.10% Bonus paid on Certificates of $50,000 or More for Terms of 2 - 5 Year

EARLY WITHDRAWAL PENALTIES(a penalty may be imposed for withdrawals before maturity)
The penalty we may impose will equal six months dividends on the amount withdrawn subject to penalty.

Your savings federally insured by NCUA to at least $250,000 and backed by the full faith and credit of the United States Government

Effect of closing an account
If you close your share account before dividends are paid, you will not receive the accrued dividends.

Effect of fees
Fees could reduce the earnings on the account.

Individual Retirement Accounts (IRAs) at our credit union are also federally insured by NCUA up to $250,000. These accounts are insured separately from your other share accounts

Deposit accounts are also insured an additional $250,000 by Excess Share Insurance Corp for a total of $500,000 and IRA Accounts are also insured an additional $250,000 by Excess Share Insurance Corp for a total of $500,000.