Rates Subject to Change. Rate Based on Beacon Scores.
CREDIT CARDS
| VISA PLATINUM CREDIT CARDS | Premier | Select | Choice | Signature | 1st Time Visa |
| Payments based on 2% of balance. Fixed Rate | 8.90% | 9.90% | 11.90% | 15.90% | 15.90% |
UNSECURED LOANS
| SIGNATURE LOANS Up to $7000.00 |
A+ APR* |
A APR* |
B APR* |
C APR* |
| 48 months – Fixed Rate | 7.75% | 8.25% | 8.75% | 10.00% |
| SIGNATURE LOAN Up to $3000.00 |
D APR* |
E APR* |
No Beacon APR* |
| 48 months – Fixed Rate | 14.75% | 16.75% | 16.75% |
| OVERDRAFT LOAN | RATE |
| $300.00 – $1000.00 | 15% |
| 90 DAY NOTES | RATE |
| Up to $1000.00 | 15% |
| SPeedMoney Loans | RATE |
| $200 to $600 for up to 3 months | 26% or 28% |
COLLATERAL LOANS
| NEW VEHICLES(Cars, Trucks, Motorcycles) | A+ APR* |
A APR* |
B APR* |
C APR* |
D APR* |
E APR* |
No Beacon APR* |
| 36 months 48 months 60 months 72 months – Over $20,000 84 months – Over $35,000 |
1.90% 1.90% 1.90% 2.00% 2.15% |
1.90% 1.90% 1.90% 2.00% 2.15% |
1.90% 1.90% 1.90% 2.00% 2.15% |
2.40% 2.40% 2.40% 2.65% 2.75% |
11.80% 11.80% 11.80% 12.55% 13.00% |
13.80% 13.80% 13.80% 14.30% 15.00% |
12.80% 12.80% 12.80% 14.00% 14.00% |
| USED VEHICLES(Cars, Trucks, Motorcycles) | A+ APR* |
A APR* |
B APR* |
C APR* |
D APR* |
E APR* |
No Beacon APR* |
| 36 months 48 months – Over $7,000 60 months – Over 18,000 72 months – Over 25,000 |
2.15% 2.15% 2.15% 2.25% |
2.15% 2.15% 2.15% 2.25% |
2.15% 2.15% 2.15% 2.25% |
3.75% 4.10% 4.35% 4.45% |
11.90% 11.90% 11.90% 12.65% |
13.90% 13.90% 13.90% 14.40% |
12.90% 12.90% 12.90% 14.10% |
| NEW RECREATIONAL VEHICLES (Boats, ATV, Watercrafts, Motor Homes, Travel Trailers, Pull Trailers and Classic Cars) |
A+ APR* |
A APR* |
B APR* |
C APR* |
D APR* |
E APR* |
No Beacon APR* |
| 36 months – Under $3,000 48 months – Over $7,000 60 months – Over $15,000 72 months – Over $25,000 84 months – Over $40,000 |
3.70% 3.70% 3.70% 4.10% 4.35% |
3.90% 3.90% 3.90% 4.30% 4.55% |
4.15% 4.15% 4.15% 4.55% 4.80% |
5.15% 5.15% 5.15% 5.55% 5.80% |
12.50% 12.50% 12.50% 12.90% 13.15% |
14.50% 14.50% 14.50% 14.90% 15.15% |
13.50% 13.50% 13.50% 13.90% 14.15% |
| USED RECREATIONAL VEHICLES (Boats, ATV, Watercrafts, Motor Homes, Travel Trailers, Pull Trailers and Classic Cars) |
A+ APR* |
A APR* |
B APR* |
C APR* |
D APR* |
E APR* |
No Beacon APR* |
| 36 months – Under $3,000 48 months – Over $7,000 60 months – Over $15,000 72 months – Over $25,000 |
4.70% 4.70% 4.70% 5.20% |
5.40% 5.40% 5.40% 5.90% |
5.50% 5.50% 5.50% 6.00% |
6.15% 6.15% 6.15% 6.55% |
13.50% 13.50% 13.50% 13.90% |
15.50% 15.50% 15.50% 15.90% |
14.50% 14.50% 14.50% 14.90% |
| HOUSEHOLD YARD EQUIPMENT | A+ APR* |
A APR* |
B APR* |
C APR* |
D APR* |
E APR* |
No Beacon APR* |
| 36 months 48 months – Over $7,000 60 months – Over $15,000 72 months – Over $25,000 |
7.55% 7.80% 8.05% 8.40% |
7.75% 8.00% 8.25% 8.65% |
8.00% 8.25% 8.50% 8.90% |
10.00% 10.25% 10.50% 10.90% |
14.00% 14.25% 14.50% 14.90% |
16.00% 16.25% 16.50% 16.90% |
15.00% 15.25% 15.50% 16.90% |
| HOUSEHOLD YARD EQUIPMENT | A+ APR* |
A APR* |
B APR* |
C APR* |
D APR* |
E APR* |
No Beacon APR* |
| 36 months 48 months – Over $7,000 60 months – Over $15,000 72 months – Over $25,000 |
7.80% 8.05% 8.30% 8.70% |
8.00% 8.25% 8.50% 8.90% |
8.25% 8.50% 8.75% 9.15% |
10.25% 10.50% 10.75% 11.15% |
14.25% 14.50% 14.75% 15.15% |
16.25% 16.50% 16.75% 17.15% |
15.25% 15.50% 15.75% 16.15% |
| SAVINGS AND CERTIFICATE SECURED | Rate APR* |
Term |
| Share Secured Loans – Up to 144 months (depending on amount) | 3.02% | 144 |
| Certificate Secured Loans – Up to 144 months (depending on amount) | 3.15% | 144 |
| HELOC LOANS (Home Equity Line of Credit)(Variable Rate) | Rate APR* |
Term | |
| Rate based on Prime Interest Rate, Calcasieu Parish Only! | 3.25% | 120 | Calculator |
| *APR = Annual Percentage Rate Rate are subject to change Amount of financing must meet policy |
SAVINGS
| SAVING ACCOUNTS | Rate | APY* |
| Regular Savings | .02% | .02% |
| Christmas Club Account | .02% | .02% |
| IRA – (Traditional IRA) | .30% | .30% |
| IRA – (Roth IRA) | .30% | .30% |
SHARE DRAFT (CHECKING) ACCOUNTS
| SHARE DRAFT ACCOUNTS | Rate | APY* |
| Share Draft Account – Simply Checking | .02% | .02% |
| Share Draft Account – (Premier Checking) | .02% | .02% |
| Share Draft Account – (Golden Checking) (must be over 55) | .02% | .02% |
| Share Draft Account – (First Checking) (must be under 21) | .00% | .00% |
CERTIFICATE OF ACCOUNTS
| New CD purchased temporarily suspended as of 12/3/20. Certificate renewals temporarily suspended as of 4/15/21. |
Rate | APY* |
| 6 Month Certificate | .00% | .00% |
| 12 Month Certificate | .00% | .00% |
| All Rates are Subject to Change 90 Day Interest Penalty for Early Withdrawal |
*APY-annual percentage yield. Notice to members for Customer Identification Under USA Patriot Act. In order to comply with the USA Patriot Act, we are required to verify the identity of members applying for and opening new accounts/services or adding signatories to existing account/services with the credit union. Information that we require to obtain includes: name, mailing address, residence address, social security number; date of birth; and copy of government issued photo ID (such as drivers license). Additional data or identification, as required under this act may also be gathered depending on the type of account applied for or opened. Data on existing members will be gathered as they open or use additional services offered by the credit union or add signatories on accounts. The USA Patriot Act requires the credit union to maintain records of the identification verfication and update the information. Confidentiality of this information will be maintained as required under the Privacy Act and all other applicable laws and regulations.
