Interest rates change as a reflection of current economic conditions - and not just conditions here in Tuscarawas County, but across the country and round the world. In general, when the economy is doing poorly, overall economic indicators and rates tend to go down to spur economic activity and "bank rates" (as well as credit union rates) tend to follow. Likewise, when the economy is doing well, interest rates tend to rise.

As your credit union, our job is to provide you with competitive rates consistent with economic conditions. It's that simple. Sometimes we might be the lowest rate and other times we may not. But as a nonprofit, our charter ensures that what we gain in revenue goes back to our members in the form of a dividend. 

Learn all about our interest rates below. Then learn more about the differences between banks and credit unions here.

 

Checking

CheckingDividend RateAPY*
Share Draft Personal Checking0.00%0.00%
Share Draft Business Checking0.00%0.00%

*Annual Percentage Yield
Effective October 1, 2016 - rates are effective until further notice

HSA Checking

HSA CheckingDividend RateAPY*
less than $1,0000.05%0.05%
$1,000 to $2,499.990.20%0.20%
$2,500 to $9,999.99 0.50%0.50%
$10,000 or above1.00%1.00%

*Annual Percentage Yield
Effective October 1, 2016 - rates are effective until further notice

Savings

SavingsDividend RateAPY*
Personal Savings0.05%0.05%
cu$aver Savings0.05%0.05%
CU Man Kids Club Savings0.05%0.05%

*Annual Percentage Yield
Effective October 1, 2016 - rates are effective until further notice

Coverdell Education Savings Account (ESA)

Passbook ESA

Passbook ESA BalanceDividend RateAPY*
less than $2,5000.05%0.05%
$2,500 minimum0.10%0.10%
$20,000 minimum 0.15%0.15%
$50,000 minimum0.20%0.20%

*Annual Percentage Yield
Effective October 1, 2016 - rates are effective until further notice

    Certificate ESA

    Certificate ESA TermDividend RateAPY*
    6 Month Certificate0.25%0.25%
    12 Month Certificate0.35%0.35%
    18 Month Certificate0.40%0.40%
    24 Month Certificate0.50%0.50%
    36 Month Certificate0.70%0.70%
    48 Month Certificate1.00%1.00%
    60 Month Certificate1.395%1.405%
    72 Month Certificate1.98%2.00%

    *Annual Percentage Yield
    Effective October 1, 2016 - rates are effective until further notice
    Not intended as tax advice.  Please consult your financial and/or tax adviser.
    $500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity

    Certificates of Deposit (CD)

    Certificate TermDividend RateAPY*
    6 Month Certificate0.25%0.25%
    12 Month Certificate0.35%0.35%
    18 Month Certificate0.40%0.40%
    24 Month Certificate0.50%0.50%
    36 Month Certificate0.70%0.70%
    48 Month Certificate1.00%1.00%
    60 Month Certificate1.395%1.405%
    72 Month Certificate1.98%2.00%

    *Annual Percentage Yield
    Effective October 1, 2016 - rates are effective until further notice
    $500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity

    Insured Money Markets

    Insured Money MarketsDividend RateAPY*
    less than $2,5000.00%0.00%
    Insured Money Market ($2,500 minimum)0.10%0.10%
    Insured Money Market ($20,000 minimum)0.15%0.15%
    Insured Money Market ($50,000 minimum)0.20%0.20%

    *Annual Percentage Yield
    Effective October 1, 2016 - rates are effective until further notice

    Loans

    Credit Score: 730+
    LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
    Cars,
    Trucks,Vans,
    and Motorcycles
    48 month
    60 month
    72 month
    1.9%
    2.4%
    2.9%
    2011 – 2016 $21.65
    $17.70
    $15.16
    Cars,
    Trucks,Vans,
    and Motorcycles
    36 month
    48 month
    60 month
    2.9%
    3.4%
    3.9%
    2008 – 2010 $29.04
    $22.31
    $18.37
    Cars,
    Trucks,Vans,
    and Motorcycles
    48 month
    60 month
    4.9%
    5.9%
    2007 – Older$22.98
    $19.29
    Credit Score: 729 - 680
    LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
    Cars,
    Trucks,Vans,
    and Motorcycles
    48 month
    60 month
    72 month
    2.4%
    2.9%
    3.4%
    2011 – 2016 $21.87
    $17.92
    $15.37
    Credit Score: 679 - 640
    LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
    Cars,
    Trucks,Vans,
    and Motorcycles
    48 month
    60 month
    72 month
    3.4%
    3.9%
    4.4%
    2011 – 2016 $22.31
    $18.37
    $15.83
    Credit Score: 639 - 600
    LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
    Cars,
    Trucks,Vans,
    and Motorcycles
    48 month
    60 month
    72 month
    5.4%
    5.9%
    6.4%
    2011 – 2016 $23.21
    $19.29
    $16.76
    Credit Score: 599 - 550
    LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
    Cars,
    Trucks,Vans,
    and Motorcycles
    48 month
    60 month
    72 month
    8.4%
    8.9%
    9.4%
    2011 – 2016 $24.60
    $20.71
    $18.22
    Credit Score: 549 <
    LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
    Cars,
    Trucks,Vans,
    and Motorcycles
    48 month
    60 month
    72 month
    11.4%
    11.9%
    12.4%
    2011 – 2016 $26.04
    $22.19
    $19.76
    LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
    Collector Cars60 month5.50%All Years$19.10
    RVs, Campers, Boats120 month6.99%2015 – 2016$11.61
    Mowers48 month14.00%2014 – 2016$27.33
    Mowers60 month13.00%2013 – Older$22.75

    *Annual Percentage Rate - some restrictions apply
    Effective October 1 2016 - rates are effective until further notice

    Individual Retirement Accounts (IRA)

    Passbook IRA

    Passbook IRA BalanceDividend RateAPY*
    less than $2,5000.05%0.05%
    $2,500 minimum0.10%0.10%
    $20,000 minimum0.15%0.15%
    $50,000 minimum0.20%0.20%

    *Annual Percentage Yield
    Effective October 1, 2016 - rates are effective until further notice

    Certificate IRA

    Certificate IRA TermDividend RateAPY*
    6 month0.25%0.25%
    12 month0.35%0.35%
    18 month0.40%0.40%
    24 month0.50%0.50%
    36 month0.70%0.70%
    48 month1.00%1.00%
    60 month1.395%1.395%
    72 month1.98%2.00%

    *Annual Percentage Yield
    Effective October 1, 2016 - rates are effective until further notice
    $500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity

    Not intended as tax advice.  Please consult your financial and/or tax adviser.