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Featured Rates

Savings

Savings
Effective Date: Wednesday, June 28th, 2017
Account TypeMinimum Opening BalanceDividend RateAPY*
Member Share Savings $5.00 0.200% 0.200%
Checking $25.00 0.100% 0.100%
Christmas Club $0.00 1.000% 1.000%
IRA Savings $5.00 0.750% 0.750%

New Auto

New Auto Loan
Effective Date: Wednesday, June 28th, 2017
TermRateAPR
5 years 6.25% 5.25%
1 year 5.00% 4.50%
2 years 4.50% 4.50%
3 years 5.75% 4.75%
4 years 5.00% 5.00%
6 years** 5.75% 5.75%
**New autos over $30,000
Additional 0.25% Reduction available on auto loans with automatic loan re-payment

Mortgage

Mortgage Loans
Effective Date: Wednesday, June 28th, 2017
Loan NameTermAPR
Home Equity Loan

1 Year Adjustable

  6.125%
Fixed up to 10 years 6.125%
Home Equity Line of Credit   5.000%
Lot Mortgage fixed up to 10 years 7.000%
*APR: Annual Percentage Rate
**APY: Annual Percentage Yield
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Five Tax Scams to Avoid

Tax scams don’t just happen during the tax filing season—so the IRS wants you to be aware of these five scams:

Phishing – Phishing is a tactic used by scam artists to trick unsuspecting victims into revealing personal or financial information in an electronic communication. Scams can take the form of e-mails, tweets or phony websites and they try to mislead consumers by telling them they are entitled to a tax refund from the IRS and they must reveal personal information to claim it. Regardless of how official this e-mail may look and sound, the IRS never initiates unsolicited e-mail contact with taxpayers about their tax issues. Phishers use the personal information obtained to steal the victim’s identity, access bank accounts, run up credit card charges or apply for loans in the victim’s name. If you receive an e-mail that you suspect is a phishing attempt or directs you to an imitation IRS website, please forward it to the IRS at phishing@irs.gov. You can also visit IRS.gov and enter the keyword phishing for additional information.

Return Preparer Fraud – Dishonest tax return preparers can cause trouble for taxpayers who fall victim to their ploys. Such preparers are skimming a portion of their clients’ refunds, charging inflated fees for tax preparation or are attracting new clients by promising refunds that are too good to be true. To increase confidence in the tax system, the IRS is requiring all paid return preparers to register with the IRS, pass competency tests and attend continuing education.

Hiding Income Offshore – Taxpayers have tried to avoid or evade U.S. income tax by hiding income in offshore banks and brokerage accounts. IRS agents continue to develop their investigations of these offshore tax avoidance transactions using information gained from more than 14,700 voluntary disclosures received last year. Taxpayers also evade taxes by using offshore debit cards, credit cards, wire transfers, foreign trusts, employee-leasing schemes, private annuities or life insurance plans.

Abuse of Charitable Organizations and Deductions – The IRS continues to observe the misuse of tax-exempt organizations. This includes arrangements to improperly shield income or assets from taxation and attempts by donors to maintain control over donated assets. The IRS also continues to investigate various schemes where donations are highly overvalued or the organization receiving the donation promises that the donor can purchase the items back at a later date at a price the donor sets.

Frivolous Arguments – Promoters of frivolous schemes encourage people to make unreasonable and outlandish claims to avoid paying the taxes they owe. If a scheme seems too good to be true, it probably is. The IRS has a list of frivolous legal positions that taxpayers should avoid on IRS.gov. These arguments are false and have been thrown out of court.

For the full list of 2010 Dirty Dozen tax scams or to find out how to report suspected tax fraud, visitIRS.gov.

Savings

Savings
Effective Date: Wednesday, June 28th, 2017
Account TypeMinimum Opening BalanceDividend RateAPY*
Member Share Savings $5.00 0.200% 0.200%
Checking $25.00 0.100% 0.100%
Christmas Club $0.00 1.000% 1.000%
IRA Savings $5.00 0.750% 0.750%

New Auto

New Auto Loan
Effective Date: Wednesday, June 28th, 2017
TermRateAPR
5 years 6.25% 5.25%
1 year 5.00% 4.50%
2 years 4.50% 4.50%
3 years 5.75% 4.75%
4 years 5.00% 5.00%
6 years** 5.75% 5.75%
**New autos over $30,000
Additional 0.25% Reduction available on auto loans with automatic loan re-payment

Mortgage

Mortgage Loans
Effective Date: Wednesday, June 28th, 2017
Loan NameTermAPR
Home Equity Loan

1 Year Adjustable

  6.125%
Fixed up to 10 years 6.125%
Home Equity Line of Credit   5.000%
Lot Mortgage fixed up to 10 years 7.000%
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NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act