Rates

SAVINGS RATES

Rates are subject to change at any time without notice.


SHARES


SHARES *APR
Mountain
Trust Accounts
Special Accounts
Share Plus Accounts ($300.00 Min.)
Christmas Club
Share Draft (Checking) *$500.00 Min.
Cascade Money Market ($2,000 Min.)
Business Drafts (Checking) *$500.00 Min.
IRA
0.10%
0.10%
0.10%
0.15%
0.20%
0.10%
0.25%
0.10%
0.25%

CERTIFICATES

 
CERTIFICATES *APR
6 Months
$500 Minimum

0.10%
 
6 Months
$1,000 Minimum
0.25%
 
1 Year
$500 Minimum
0.10%
 
1 Year
$1,000 Minimum
0.25%
 
1 Year
$10,000 Minimum
0.35%
 
1 Year
$20,000 Minimum
0.40%
 
2 Year IRA
$1,000.00 Minimum
0.85%
 
 
* Annual Percentage Rate

Minimum of $100.00 balance to earn APR on Mountain Share Account.

Fees could reduce earnings on account. SHARE DRAFT ACCOUNT DIVIDENDS NOW PAY AND COMPOUND MONTHLY.

DEBIT CARD TRANSACTIONS ARE NOW SUR-CHARGE FREE AT USNB ATM MACHINES

A penalty will be imposed for early withdrawal on certificate accounts.

Loan Rates and Information

New Vehicle

Amount Financed Term (up to) APR1
Up to 100% Financing2 96 Months** 2.49% - 13.69%

USED VEHICLE

Amount Financed Term (up to) APR1
90% of Retail Book Value 84 Months** 1.99% - 13.94%
     

USED VEHICLE 2006 OR OLDER

Amount Financed Term (up to) APR1
80% of Retail Book Value 60 Months 5.99% - 16.49%
     

NEW RV

Amount Financed Term (up to) APR1
Up to 100% Financing 144 months 5.59% - 16.09%
     

USED RV

Amount Financed Term (up to) APR1
90% of Retail Purchase Price2 120 Months 5.99% - 16.49%
     

USED RV OVER FIVE YEARS OLD

Amount Financed Term (up to) APR1
80% of Retail Book Value 60 months 6.99% - 17.49%

NEW MOTORCYCLE

Amount Financed Term (up to) APR1
90% of Purchase Price 72 months 5.59% - 16.09%
     

USED MOTORCYCLE

Amount Financed Term (up to) APR1
80% of Retail Book Value 60 months 6.99% - 17.49%
     

FARM & GARDEN EQUIPMENT

Amount Financed Term (up to) APR1
80% of Estimated Value 60 months 6.99% - 17.49%
     

SHARE SECURED LOANS

3% above share dividend rate
     

CERTIFICATE SECURED LOANS

2% above paying rate of certificates
 

SIGNATURE LOANS & LINE-OF-CREDIT

9.90% APR1 up to 60-month term
Maximum $25,000.00
 

VISA® CREDIT CARD

9.99% APR1
Maximum $9,000.00
To request a Visa® Credit Card Agreement please call
1-800-642-5182
 

HELOC LOANS (HOME EQUITY LINE-OF-CREDIT)

20 Years up to $120,000.00
3.50% + 182 Day T-Bill
 

FIRST MORTGAGE & SECOND MORTGAGE

Contact credit union for rates and terms

* Rates are based on your credit history and credit qualifications. All loans are subject to approved credit.

** Estimated repayment periods: 72 month repayments period requires a $8,000 minimum loan amount and 84 month requires a minimum loan amount of $10,000.

1 APR is the Annual Percentage Rate. Rates include a .50% discount for automatic payment from an IBEW/SJ Cascade FCU account and electronic delivery of your monthly statement. Monies must be on deposit before the date of the due date of the automatic payment. If the automatic payment option and or the electronic delivery of your monthly statement are cancelled during the life of the loan, the rate will subsequently increase by .50%. Additional terms may apply; contact the Credit Union for more information.

2 We finance new vehicles up to 100% of KBB retail value MSRP, plus any taxes, title fees, or dealer maintenance contracts for Tiers 1-2 borrowers for Tier 3 up to 90% of KBB, Tier 4 up to 80% and Tier 5 up to 50%. Financing for used vehicles used 2010 to 2006 for Tier 1-2 borrowers up to 100% of KBB Private Party; for Tier 3 up to 80% of KBB Private Party; Tier 4 up to 70% of KBB Private Party, Tier 5 up to 50% of KBB Private Party. Financing for older used vehicles 2007 and older 100% for Tier 1-2; borrowers for Tier 3 up to 80% of KBB Trade-In Value, Tier 4 up to 70% of KBB Trade-In Value, Tier 5 up to 50% of KBB Trade-In Value.