Rates are accurate as of October 28, 2024. All rates are subject to change without notice.
| Checking/Savings |
Min. Opening Deposit |
Min. Balance to Earn Stated APY* |
APY* |
|
$250-$4,999.99
$5,000 & Over
|
$5 |
$250 |
0.20%
0.20%
|
|
Junior Savings
$50 & Over
|
None |
$50 |
0.20% |
|
Christmas Club
$250 & Over
|
None |
$250 |
0.20% |
|
Vacation Club
$250 & Over
|
None |
$250 |
0.20% |
|
IRA Savings
$100 & Over
|
None |
$100 |
0.25% |
|
$2,500-$24,999.99
$25,000-$99,999.99
$100,000 & Over
|
None |
$2,500 |
0.20%
0.25%
0.30%
|
Money Market Rate is calculated monthly and may change after account opening. Fees could reduce earnings.
| Checking/Savings |
Min. Opening Deposit |
Min. Balance to Earn Stated APY* |
APY* |
|
$250-$4,999.99
$5,000 & Over
|
None
|
$250 |
0.20%
0.20%
|
|
$5,000-$24,999.99
$25,000-$99,999.99
$100,000 & Over
|
None |
$5,000 |
0.20%
0.25%
0.30%
|
Business Checking rate is calculated monthly and may change after account opening. Fees could reduce earnings.
| Certificates |
Min. Deposit |
APY* |
| 6-month |
$500 |
0.25% |
| 12-month |
$500 |
1.76% |
|
18-month
|
$500 |
2.02% |
| 24-month |
$500 |
2.52% |
| 36-month |
$500 |
3.03% |
| 48-month |
$500 |
2.78% |
| 60-month |
$500 |
2.52% |
Penalty for early withdrawal of certificate:
less than 18 months — 90 days' dividends [interest]
18 months and over —180 days' dividends [interest]
Fees for early withdrawal may reduce earnings.
| Super Saver Certificate |
Min. Deposit |
APY* |
|
12-Months
Allows for deposits of $500 or more during term.
|
$1000 |
3.55% |
One partial withdrawal per year with no penalty. Additional withdrawals have 90 days dividend [interest] penalty. Penalty may reduce earnings. Additional deposits allowed. Renews as a 12 Month Super Savings Certificate.
| Traditional IRA Certificates |
Min. Deposit |
APY* |
| 18-month |
$500 |
2.02% |
| 24-month |
$500 |
2.52% |
| 36-month |
$500 |
3.03% |
| 48-month |
$500 |
2.78% |
| 60-month |
$500 |
2.52% |
| Roth IRA Certificates |
Min. Deposit |
APY* |
| 18-month |
$500 |
2.02% |
| 24-month |
$500 |
2.52% |
| 36-month |
$500 |
3.03% |
| 48-month |
$500 |
2.78% |
| 60-month |
$500 |
2.52% |
| Coverdell IRA Certificates |
Min. Deposit |
APY* |
| 18-month |
$500 |
2.02% |
| 24-month |
$500 |
2.52% |
| 36-month |
$500 |
3.03% |
| 48-month |
$500 |
2.78% |
| 60-month |
$500 |
2.52% |
| Consumer Loans |
APR** |
CheckingPlus Lines of Credit
Rates based on credit worthiness
Rate adjusts January 1 & July 1
|
as low as 13.50%
APR** is variable and subject to change without notice, the maximum APR** 17%
|
|
Certificate Secured
Term on Certificate secured loans cannot exceed the term of the Certificate being used as collateral
|
3.00% APR** above the rate on the deposit instrument. |
|
Share Secured
Up to 120 months
|
as low as 4.00% |
|
Signature
Rates based on credit worthiness; Maximum term 60 months.
|
as low as 11.50% |
These products offered are not deposits and are not federally insured.
| Home Equity Loans |
APR** |
Monthly Payment |
|
5 Years Fixed Rate
|
5.50% |
$951.23 |
| 10 Years Fixed Rate |
6.00% |
$552.72 |
| 15 Years Fixed Rate |
6.50% |
$433.56 |
$15,000 min, $500,000 max, 80% max LTV, 1-4 family owner occupied. Illustrative payment example based on a $50,000 loan amount. NO APPLICATION FEES!
**APR = Annual Percentage Rate
Hazard insurance required. APR is subject to change without notice. Offer may be modified or withdrawn at any time without prior notice. Maximum appraisal costs $500.
These products offered are not deposits and are not federally insured.
| Home Equity Loans |
APR** |
Monthly Payment |
|
20 Years Fixed Rate
|
7.00% |
$386.56 |
$50,000 min, $500,000 max, 80% max LTV, 1-4 family owner occupied. Illustrative payment example based on a $50,000 loan amount.
First Mortgage lien only.
NO APPLICATION FEES!
**APR = Annual Percentage Rate
Hazard insurance required. APR is subject to change without notice. Offer may be modified or withdrawn at any time without prior notice. Maximum appraisal costs $500.
These products offered are not deposits and are not federally insured.
Home Equity Lines of Credit
8.50% APR**
Rate adjusts twice a year. APR is based on the highest Prime Rate published in The Wall Street Journal as of most recent index available as of May 1st for the July 1st annual percentage rate adjustment and November 1st for the January 1st annual percentage rate adjustment. The current Prime Rate, as of July 1, 2024 is 8.50%. The APR is variable and may change at any time. The 8.50% APR is a variable APR, which is Prime Rate plus 0.00% margin added. Maximum APR is 15.00% [ceiling]. Rates are subject to change without notice.
**APR = Annual Percentage Rate
Hazard insurance required. APR is subject to change without notice. Offer may be modified or withdrawn at any time without prior notice. Appraisal cost is estimated at $500.
Consult your tax advisor regarding the deductibility of interest.
These products offered are not deposits and are not federally insured.
Mortgages
Costs vary with loan type and term.
Contact the loan department for additional information.
These products offered are not deposits and are not federally insured.
Vehicle Loans
These products offered are not deposits and are not federally insured.
| New Vehicles 2024 - 2025 |
APR** |
| Up to 60 months |
as low as 6.50% |
| 61 - 72 months |
as low as 6.75% |
| 73 - 84 months |
as low as 7.75% |
| Used Vehicles |
APR** |
|
2022 - 2024
Up to 60 months
Over 60 months
|
as low as 6.75%
as low as 7.25%
|
|
2019 - 2021
Up to 60 months
|
as low as 7.00%
|
|
2016 - 2018
Up to 60 months
|
as low as 7.75%
|
|
2013 -2015
Up to 48 months
|
as low as 8.25%
|
| Recreational: Boats, RVs, Campers, ATVs |
APR** |
|
2022 - 2025
Up to 72 months
|
as low as 8.00% |
|
2021 & older
Up to 72 months
|
as low as 9.00%
|
Rates based on credit worthiness
R-Title Rate: add 1.00% to applicable rate
Subject to Credit Approval
.25 basis point reduction with transfer from USSCO FCU checking account for new, used, or recreational vehicle loans [Dealer Financing Loans Excluded]; home equity fixed rate loans; and signature loans.
Subject to Credit Approval
All rates are subject to change without notice.
*APY – Annual Percentage Yield
**APR – Annual Percentage Rate
