Savings and Checking Rates
Dividend Declaration Date April 18, 2024
| Account Name | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| Regular, Primary, Holiday Club | $5 - $249.00 | 0.00% | 0.00% |
| $250 - $4,999 | 0.05% | 0.05% | |
| $5,000 - $9,999 | 0.10% | 0.10% | |
| $10,000 - $24,999 | 0.15% | 0.15% | |
| $25,000 - $49,999 | 0.20% | 0.20% | |
| $50,000 | 0.20% | 0.20% | |
| Star Savers (0-12 Years Old) or EverGreen(13-17 Years Old) | $5 - $249.00 | 0.10% | 0.10% |
| $250 - $4,999 | 0.10% | 0.10% | |
| $5,000 - $9,999 | 0.15% | 0.15% | |
| $10,000 - $24,999 | 0.20% | 0.20% | |
| $25,000 - $49,999 | 0.25% | 0.25% | |
| $50,000 | 0.25% | 0.25% | |
| Noble Primary & Perks Checking | $250 | 0.00% | 0.00% |
| Noble Perks Plus Checking | $0 | 0.25% | 0.25% |
| Money Market Advantage | $2,500 | 0.75% | 0.75% |
| $10,000 | 0.80% | 0.80% | |
| $50,000 | 0.80% | 0.80% | |
| $100,000 | 1.35% | 1.36% | |
| $500,000 | 1.40% | 1.41% | |
| Loyalty Money Market (member for 20 or more years) | $2,500 | 1.00% | 1.00% |
| $10,000 | 1.05% | 1.06% | |
| $50,000 | 1.05% | 1.06% | |
| $100,000 | 1.60% | 1.61% | |
| $500,000 | 1.65% | 1.66% | |
| Reverse Money Market | $100 | 4.75% | 4.85% |
| $2501 | 2.75% | 2.78% | |
| $5,000 | 1.50% | 1.51% | |
| $7,500 | 1.25% | 1.26% | |
| $10,000 | 0.75% | 0.75% |
Share and IRA Certificate Rates
Dividend Declaration Date April 18, 2024
| Account Name | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| 3-5 Months | $500 | 2.80% | 2.84% |
| $10,000 | 2.85% | 2.89% | |
| $50,000 | 2.85% | 2.89% | |
| $100,000 | 2.90% | 2.94% | |
| $250,000 | 2.90% | 2.94% | |
| 6-11 Months | $500 | 3.69% | 3.75% |
| $10,000 | 3.78% | 3.85% | |
| $50,000 | 3.83% | 3.90% | |
| $100,000 | 3.93% | 4.00% | |
| $250,000 | 3.93% | 4.00% | |
| 1-2 Years | $500 | 3.15% | 3.20% |
| $10,000 | 3.20% | 3.25% | |
| $50,000 | 3.25% | 3.30% | |
| $100,000 | 3.30% | 3.35% | |
| $250,000 | 3.30% | 3.35% | |
| 2 Years | $500 | 3.10% | 3.14% |
| $10,000 | 3.15% | 3.20% | |
| $50,000 | 3.15% | 3.20% | |
| $100,000 | 3.20% | 3.25% | |
| $250,000 | 3.20% | 3.25% | |
| 2 Years Three Wishes | $500 | 3.25% | 3.30% |
| $10,000 | 3.30% | 3.35% | |
| $50,000 | 3.30% | 3.35% | |
| $100,000 | 3.35% | 3.40% | |
| $250,000 | 3.35% | 3.40% | |
| 3 Years | $500 | 2.80% | 2.84% |
| $10,000 | 2.85% | 2.89% | |
| $50,000 | 2.85% | 2.89% | |
| $100,000 | 2.90% | 2.94% | |
| $250,000 | 2.90% | 2.94% | |
| IRA Money Market | $100 | 0.50% | 0.50% |
| $10,000 | 0.55% | 0.55% | |
| $50,000 | 0.60% | 0.60% | |
| $100,000 | 0.60% | 0.60% | |
| IRA Share Certificate 3-5 Months | $100 | 2.60% | 2.63% |
| $10,000 | 2.65% | 2.68% | |
| $50,000 | 2.65% | 2.68% | |
| $100,000 | 2.70% | 2.73% | |
| IRA Share Certificate 6-11 Months | $100 | 3.69% | 3.75% |
| $10,000 | 3.78% | 3.85% | |
| $50,000 | 3.83% | 3.90% | |
| $100,000 | 3.93% | 4.00% | |
| IRA Share Certificate 1-2 Years | $100 | 3.35% | 3.40% |
| $10,000 | 3.40% | 3.45% | |
| $50,000 | 3.40% | 3.45% | |
| $100,000 | 3.50% | 3.56% | |
| IRA Share Certificate 2 Years | $100 | 3.10% | 3.14% |
| $10,000 | 3.15% | 3.20% | |
| $50,000 | 3.15% | 3.20% | |
| $100,000 | 3.20% | 3.25% | |
| Health Savings Accounts | $50 - $2,499 | 0.10% | 0.10% |
| $2,500 - $4,999 | 0.25% | 0.25% | |
| $5,000 - $9,999 | 0.50% | 0.50% | |
| $10,000+ | 1.00% | 1.00% |
Note:
- APY is Annual Percentage Yield.
- Money Market Accounts are compounded monthly and rates are variable unless otherwise indicated.
- The Reverse Money Market rate is calculated in a blended rate fashion.
- Certificate rates are fixed for the term selected unless otherwise indicated. A penalty will be imposed for withdrawals before maturity.
- Total deposits per member are limited to a maximum of $2,000,000.
*At maturity, your account will automatically renew into a Share Certificate at the prevailing rate to the term as follows: If the original term of your account was 7-Months, it will renew as a 6-Month term; 11-Months will renew as a 12-Month term.
If you have any questions or need current rate information on your accounts, please call (559) 252-5000.
Rates subject to change.
Loan Rates
April 18, 2024
| Loan Type | Financing Available | Term in Months | APR(sup)*(/sup) Rates as low as |
|---|---|---|---|
| New Auto *** | 2023 or newer | Up to 60 months | 6.24% |
| Up to $150,000 | 72 months - Min $15,000 | 6.49% | |
| 84 months - Min $20,000 | 6.99% | ||
| Used Auto *** | 2015 - 2022 model years | Up to 60 months | 6.49% |
| with less than 115,000 miles | 72 months - Min $15,000 | 6.74% | |
| Up to $150,000 | Up to 84 months - Min $20,000 | 7.24% | |
| New RV/Boat/Motorcycle | 2024 year model | Up to 72 months - Min $15,000 on 72 months only | 7.40% |
| RV (Up to $150,000) | Up to 84 months - Min $20,000 | 7.90% | |
| Boat (Up to $100,000) | Up to 120 months - Min $25,000 | 8.15% | |
| Motorcycle (up to $75,000)**** | Up to 180 months - Min $50,000 | 9.40% | |
| Used RV/Boat/Motorcycle | 2015 - 2023 year models | Up to 72 months - Min $15,000 on 72 months only | 8.15% |
| RV (Up to $150,000) | Up to 84 months - Min $20,000 | 8.65% | |
| Boat (Up to $100,000) | Up to 120 months - Min $25,000 | 8.90% | |
| Motorcycle (Up to $75,000)**** | Up to 180 months - Min $50,000 | 10.15% | |
| Other Secured Vehicle (Up to $150,000) | 2009 - 2014 and/or 115,000 to 150,000 miles | Up to 60 months | 7.05% |
| Other Secured RV (Up to $150,000)Boat (up to $100,000) Motorcycle (up to $75,000) | 2009 - 2014 and/or 115,000 to 150,000 miles | Up to 60 months | 10.40% |
| Personal Loan | Up to $25,000 | Up to 24 months | 8.90% |
| Up to 36 months | 9.40% | ||
| Up to 48 months | 9.90% | ||
| Up to 60 Months - Min $15,000 | 10.40% | ||
| Up to 72 months - Min $15,000 | 10.90% | ||
| Up to 84 months - Min $15,000 | 11.40% | ||
| MyRewards Visa | Up to $25,000 | Open | 10.90% |
| MyRewards Loyalty Club Visa(sup)**(/sup) | Up to $25,000 | Open | 9.90% |
| Share Secured Visa Platinum | Up to $25,000 | Open | 14.99% |
| Checking Overdraft | Up to $15,000 | N/A | 13.50% |
| Share Secured | Up to 100% of available balance | Up to 60 months | 3% Over Dividend |
| Certificate Secured | Up to 100% of available funds | Balloon pmt due on maturity of Share Certificate | 3.00% plus Dividend Rate |
| Fixed Equity | Up to $200,000 for primary residence & second homes. Up to $200,000 for investment property | Up to 240 mo. for primary residence and up to 180 months for secondary homes & investment property | 8.39% to 13.89% |
| Home Equity Loan Variable Rate Line of Credit | Up to $200,000 for primary residence & second homes. Up to $200,000 for investment property | 10 Year Draw Period | 9.25% to 14.75% |
To view the most updated mortgage loan rates, please click below.
*APR = Annual Percentage Rate. All rates displayed are the lowest current member rates. Actual rate will be based on credit qualification, model year and term of loan.
**The MyRewards Loyalty Visa Credit Card is offered to members who have been a member of the credit union for at least 20 years.
*** .50% discount offered on eligible Hybrid/Electric vehicles (new and used only).
**** Up to 180 months term for RVs and Boats only.
For Equity Premium Line Variable Rate Line of Credit loans, there is a 10 year draw period and a repayment period of up to 180 months.
General information: Rates are subject to change without notice. If you have any questions, please call the credit union at (559) 252-5000 or (800) 613-2328. To apply for a loan, you can apply over the phone, fax your loan application to (559) 437-2176.