Rate Disclosures

APY
- Annual Percentage Yield
APR
- Annual Percentage Rate
APY Balance
- Minimum balance to earn the APY
Rates are subject to change daily
Any APY provided assumes dividends will remain on deposit until maturity. A withdrawal of dividends or the occurrence of fees will reduce earnings. Early withdrawal penalties may apply. The law prohibits payment of dividends in excess of available earnings. Savings and IRA Savings are federally insured to $250,000 by NCUA, a U.S. Government agency. Please consult our Truth in Savings Disclosure and Fee schedule for additional account information. Current rates may be obtained by calling our Telephone Banking Line at 800-764-4268.

You must maintain one share (five dollars) in your main savings account to maintain your membership status.

4.00% Annual Percentage Yield (APY) paid on balances between $0.01 and $50,000 and 0.10% paid on any amount above $50,000 for each month that the account qualifies. Accounts that do not qualify will not earn dividends for that month. Rates are accurate as of 02/10/09 and are subject to change without notice.
iTunes credit forqualified accounts will be in the amount of actual iTunes purchases, not to exceed $3.87 per month.
Only posted debit card purchases will count towards the monthly requirement.
Minimum monthly direct deposit required: $100 into RockStar Checking; $250 into VIP Checking.
Converted Accounts: if you convert your existing checking account to a RockStar or VIP account, only transactions and/or direct deposits occurring on the newly converted account will count towards the monthly requirements.
Membership subject to eligibility; $5 share deposit required to maintain credit union membership.
Members may have one VIP and one RockStar Account per member (if you have multiple member numbers, you will still be permitted to maintain only one VIP account and one RockStar Account) .

Balances below $2,000 will earn the annual percentage yield paid on regular checking accounts.

PREFERRED RATE
- You will receive a .35% premium in the Annual Percentage Rate Yield if you sign up for direct deposit and e-statements. The APY will decrease by this amount if you discontinue direct deposit or e-statements.
Once a certificate is opened, the rate will be fixed until first maturity.
For Bump Up certificates, the rate will be fixed until first maturity unless the bump up option is exercised.
For Bump Up certificates the offered rate for this product based on 85% of the prior week´s 3-year Treasury Constant Maturity Rate as published by the Federal Reserve.
Maximum certificate balance for Accumulator Certificate is $1,000.

Maximum Annual Percentage Rate (APR) 18.00%.
Loan To Value(LTV)
- The comparison between the amount of the loan and the amount of the loan collateral.
Actual rates may vary based on an evaluation of your credit, the loan term, and the amount of the LTV if the loan has collateral.
Auto Loans: Payments at 3.74% APR for 60 months are approximately $18.31 per $1,000 per month
Signature Loans: Payments at 10.94% APR for 48 months are approximately $25.83 per $1,000 per month.
Rates include a .25% discount for automatic payment, except for the following loan types which are not eligible for the rate discount: