Contact us at (609)-393-0046 or [email protected]

Rates

Rates
Rates
April 24, 2019 zOd33sE1F

Rates Effective as of 11/1/2023. Rates are subject to change during the month at the discretion of the Board of Directors

Savings, Checking & Club Accounts

(Share) Savings Account

AccountDividend RateAPY
$0.00 - $4,499.990.0625%0.0625%
$5,000.00 - $12,499.990.0775%0.0775%
$12,500.00 - Over0.0975%0.0975%
* APR = Annual Percentage Rate
* APY = Annual Percentage Yield

Checking (Share Draft)

ACCOUNTDIVIDEND RATEAPY
$1,000.00 min or more0.05%0.05%
APR = Annual Percentage Rate
APY = Annual Percentage Yield

Certificates of Deposit

RateAPYRateAPYRateAPY
BALANCE$1,000 - $9,999.99$10,000 - $24,999.99$25,000 & Over
6 MONTH5.00%5.00%5.00%5.00%5.00%5.00%
12 MONTH1.65%1.65%1.69%1.69%1.74%1.74%
18 MONTH1.69%1.70%1.74%1.75%1.79%1.81%
24 MONTH1.84%1.86%1.89%1.91%1.94%1.96%
36 MONTH2.04%2.06%2.09%2.11%2.142.16%
48 MONTH2.09%2.11%2.14%2.16%2.19%2.21%
60 MONTH2.29%2.31%2.29%2.31%2.34%2.37%
15 MONTH
(New Money Only)		5.74%5.75%5.74%5.75%5.74%5.75%
$1000 minimum balance required. Penalty for early withdrawal.
Rates are subject to change during the month at the discretion of the Board of Directors
* APR = Annual Percentage Rate
* APY = Annual Percentage Yield

Holiday Club

AccountDividend RateAPY
0.05%0.05%
* APR = Annual Percentage Rate
* APY = Annual Percentage Yield

Vacation Club

AccountDividend RateAPY
0.05%0.05%
* APR = Annual Percentage Rate
* APY = Annual Percentage Yield

Loan Rates

Home Equity Fixed-Rate Loans

Fixed Rate Terms80%80%90%90%100%100%
With or Without Payroll DeductionMarket valuew/Payroll deductMarket valuew/Payroll deductMarket valuew/Payroll deduct
3 years5.04% APR*4.79% APR*6.04% APR*5.79% APR*7.04% APR*6.79% APR*
4 years5.34% APR*5.09% APR*6.34% APR*6.09% APR*7.34% APR*7.09% APR*
5 years5.45% APR*5.20% APR*6.70% APR*6.45% APR*7.70% APR*7.45% APR*
7 years5.75% APR*5.50% APR*7.00% APR*6.75% APR*8.00% APR*7.75% APR*
10 years6.05% APR*5.80% APR*7.30% APR*7.05% APR*8.30% APR*8.05% APR*
15 years6.25% APR*6.00% APR*7.50% APR*7.25% APR*8.50% APR*8.25% APR*
** Please call our Loan Department at 609-393-1100 for complete details.
Additional Savings of .25% if Payroll Deducted
* APR = Annual Percentage Rate

Home Equity Credit Line

MARKET VALUERATE
80%8.50% APR*
90%9.00% APR*
100%10.00% APR*
* Annual Percentage Rate

Share Secured Loan

TermRate
Up to 60 MO Term7.00% APR*
* APR = Annual Percentage Rate

Personal Loan

TermAPR*
Up to 48 MO TermUp to $10,000 maximum
Closed End7.49% - 15.49% APR*
Open End - Credit Line10.00% - 14.00% APR*
Due to the increasing cost of processing all loans, there will be a $5 fee assessed to member's account if loan is not approved due to derogatory or delinquent credit.
*Annual Percentage Rate

Student Loan

AmountRate
$5000 - $1500011.25% (Prime Rate PLUS 3.00%) APR*
*Annual Percentage Rate

New Auto Loans

Auto Loans - NewRates.25% discount if payroll deducted
24 to 84 Month Term4.69% - 15.54% APR*Rate is determined by credit risk score.
We lend 100% of Kelly Blue Book - New Car Guide
Additional Savings of .25% if Payroll Deducted
* APR = Annual Percentage Rate / All rates subject to change at any time

Used Auto Loans

Auto Loans - UsedRates.25% discount if payroll deducted
24 to 72 Month Term5.69% - 18.14% APR*Rate is determined by credit risk score.
We lend 100% of Kelly Blue Book - Used Car Guide Terms Determined by Age of Car - Up to 7 years
Additional Savings of .25% if Payroll Deducted
* APR = Annual Percentage Rate / All rates subject to change at any time

Title Loan (Auto)

Auto Loans - NewRates.25% discount if payroll deducted
Up to 72 Month Term5.50% - 14.50% APR*Rate is determined by credit risk score.
We lend 100% of Kelly Blue Book - New Car Guide
* APR = Annual Percentage Rate / All rates subject to change at any time

Visa Credit Cards

Visa Credit Cards

Visa CardsAPR*Credit Limit
Gold Card12.90% APR*$5000 - $15,000
Classic Card14.90% APR*$500 - $5000
* APR = Annual Percentage Rate