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CURRENT RATES

Loan Rates

 

New & Used Cars and Trucks
APR as low as Term Vehicle Year

Protect yourself and your vehicle with Guaranteed Asset Protection (GAP insurance), Payment Protection and Major Mechanical Protection at a low cost.
Click here for more information and quotes.

Check the NADA value of your vehicle

Rebuilt/Restored 2005-2014 = 75% of low NADA Blue Book
*New Money Only

2.69%
Up to 60 months
2005-2014
2.99%
61 to 72 months
2005-2014
3.69%
73 to 84 months
2005-2014



2004 & Older Used Cars and Trucks
APR as low as Term
Vehicle Year
3.99%
Up to 60 months
2004 & Older

Protect yourself and your vehicle with Guaranteed Asset Protection (GAP insurance), Payment Protection and Major Mechanical Protection at a low cost. Click here for more information and quotes.

Check the NADA value of your vehicle

Rebuilt/Restored 2004 & Older = 60% of low NADA Blue Book
*On approved credit, existing Cyprus fixed rate auto loans can be refinanced with a $30 Document Prep. Fee. 


All RV's and All Motorcycles
APR as low as Term
Vehicle Year
3.99%
Up to 60 months
2005-2014
4.24%
61 to 72 Months
2005-2014
4.49%
73 to 84 months
2005-2014
4.74%
85 to 144 months
($25,000 minimum)
2005-2014
5.69%
Up to 36 months
2004 & Older
5.99%
37 to 48 months
2004 & Older
6.24%
49 to 60 months
2004 & Older

*New Money Only


Visa Platinum/Platinum Plus
Variable Rate Visa
APR as low as Card Type
Annual Fee
7.99%
Variable Rate Visa Platinum Credit Card
No annual Fee
(see terms)
9.49%
Variable Rate Visa Platinum Plus Credit Card
No Annual Fee
(see terms)

Unsecured (Signature Loans)
APR as low as Term
8.99%
Up to 36 Months
9.49%
37 to 48 Months
9.99%
49 to 60 Months

Share & Certificate Loans
APR as low as Type
3.00 over highest declared dividend rate
Share Secured
3.00 over the CD rate
Certificate Secured

First Mortgage

Rate APR
Term
4.25%
4.289%
15 Year Fixed
4.5%
4.529%
30 Year Fixed
4.125%
5.620%
30 Year FHA

Short & Sweet Mortgage
Short-term mortgages at a sweet rate
Owner Occupied Refinance
Loan Grid Max LTV Minimum FICO score Max Loan Amount
First Tier 75% 720 $150,000
Second Tier 70% 680 $150,000

Owner Occupied Refinance
Rates 5 year 7 year 10 year 12 year
First Tier 2.99% 3.24% 3.49% 3.99%
Second Tier 3.49% 3.74% 3.99% 4.49%




* Rates are subject to change


Home Equity (Loan Line of Credit)

APR as low as 4.0% (prime rate +0.75%)

We are currently offering a fixed 0%* promo rate for the first 6 months.

*This is a 6-month introductory rate for new loans. At the end of the introductory rate period, the rate will convert to the variable rate disclosed at the time the loan was closed. Some restrictions may apply. Rates subject to change. Limited time offer.

**We will loan up to 95% of the property’s value based on the evaluation or appraisal, minus 1st mortgage balance. If the appraisal is required, members must pay for the appraisal at the time it is ordered. An appraisal is required on all loans with a loan to value in excess of 80% or if the loan amount exceeds $50,000. All investment and second home properties require an appraisal and are subject to third party fees.

***Loan will be subject to early termination fee.

Home Equity Line of Credit rate is based on the wall street Journal prime lending rate
on the last day of each month. Maximum interest rate over the life of the loan is 18%.
Minimum interest rate over the life of the loan is 4%.

Additional Loan Information

Apply Now

For loan requests larger than these amounts please call 260-7600 Ext 5313

Contact a 2nd Mortgage Officer


Second Mortgage (Closed-end)  
Rate APR (as low as) Term
3.74%
3.74%
5 years
4.49%
4.49%
10 years
5.49%
5.49%
15 years

To apply call please call 260-7600 Ext 5313

Contact a 2nd Mortgage Officer



Construction Loans
APR as low as Term
4.25%****
8-12 months

Call a Construction Loan Officer at 260-7600 Ext. 5331 for more information.

Contact a Construction Loan Officer



Improved Land Loans  
APR as low as
Term
LTV
5.25%
20/5
80%

Call a Construction Loan Officer at 260-7600 Ext. 5331 for more information.

Contact a Construction Loan Officer


Prime interest rate = 3.25%
Historical Prime Rates


Savings Rates

Rates - Shares & Deposits

Interest Rates (Rate) and Annual Percentage Yields (APY)

Regular Share Savings Interest Rates (S1-S3)
Daily Balance
Rate
APY
$0.00 and over
.100%
.100%

** Minimum balance of $5 to earn dividends
** These interest rates apply to S1, S2 and S3 account types
** Declared, paid and compounded monthly
***As of January 2011, we converted our S1-S3 Savings accounts to a single rate tier. Money Market (S8) account tiers did not change.


Money Market (S8)
Daily Balance
Rate
APY
$25.00 to $2,499.99
.100%
.10%
$2,500.00 to $9,999.99
.100%
.10%
$10,000.00 to $24,999.99
.150%
.15%
$25,000.00 to $49,999.99
.200%
.20%
$50,000.00 to $99,999.99
.250%
.25%
$100,000 to $199,999.99
.300%
.30%
$200,000.00 and over
.300%
.30%

** Declared, paid and compounded monthly


Checking (S5)
Daily Balance
Rate
APY
$500.00 to $9,999.99
.100%
.10%
$10,000.00 to $49,999.99
.100%
.10%
$50,000.00 and over
.150%
.15%

** Minimum balance of $500 required to earn dividends
** Declared, paid and compounded monthly


IRA Shares (S10-S18)
Daily Balance
Rate
APY
$0.00 to $2,499.99
.100%
.10%
$2,500.00 to $9,999.99
.100%
.10%
$10,000.00 to $24,999.99
.150%
.15%
$25,000.00 to $49,999.99
.200%
.20%
$50,000.00 and over
.250%
.25%

** Declared, paid and compounded monthly


Certificate Accounts , IRA Certificate Accounts and Dream Certificates Open Now
Daily Balance
Rate
APY
6 month Certificate (CD)
.250%
.250%
12 month Certificate (CD)
.499%
.500%
18 month Certificate (CD)
.499% 
.500%
24 month Certificate (CD)
.747% 
.750%
30 month Certificate (CD)
.747% 
.750%
36 month Certificate (CD)
.995% 
1.000%
48 month Certificate (CD)
1.243%   
1.250%
60 month Certificate (CD)
1.982%   
2.000%

Open your Dream CD with just $1 and add any amount you choose while earning regular CD rates. Your deposits will be automatically transferred to your Dream CD every month or every paycheck.

**Sample Certificate Accounts, $1,000 minimum to open, penalty for early withdrawal.

** $100,000 Dream CD maximum per member.

 

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