Community Credit Union will be transitioning away from its full-service branch at 144 Pine Street as part of a broader effort to modernize how we serve members and support long-term operational sustainability. Please review the detailed information below.
Our team is here to support you throughout this transition. We are happy to answer questions, help you understand new service options, assist with digital banking tools, and guide you through any changes related to your accounts or banking experience.
Members can continue to reach us by phone, online, or at any of our branch locations, and we will continue providing updates and resources as the transition moves forward. You may also click the Request Info button to send a message to our team.
Dear Members,
We’re reaching out to share an important update about how we will be serving you in Lewiston in the future.
As part of our ongoing commitment to providing safe, convenient, and modern banking services, we will be transitioning our location at 144 Pine Street to a new service model over the coming months.
What’s Changing
The 144 Pine Street location will transition from a full-service branch to upgraded drive-up Interactive Teller Machine (ITM) services located at 132 Pine Street this fall. While this location will be closing, we are not leaving Lewiston.
We are making several investments to continue serving you locally:
- Enhanced Drive-Up Access:
We will be upgrading our existing drive-up location located at 132 Pine Street with new Interactive Teller Machines (ITMs), allowing you to complete most transactions with extended access and live assistance during service hours when needed. - New Downtown Branch (Coming Soon):
We are planning a new, smaller retail branch in the Dewitt Development further down Pine Street, across from Kennedy Park. This new branch will be designed to better meet the evolving needs of our members. - Digital Services:
Our digital banking platforms continue to provide secure, convenient access to your accounts anytime, anywhere.
What This Means for You
- You will continue to have local access to your Credit Union
- Many everyday transactions can be completed through our upgraded drive-up ITMs or digital services
- Our team will be available to help you every step of the way
We’re Here to Help
We understand that changes like this can raise questions, and we are committed to making this transition as smooth as possible.
In the coming months, we will be:
- Providing updates and reminders
- Offering guidance on using our enhanced drive-up and digital services
- Available in-branch and by phone to answer any questions
You can always reach us at 207-783-2096 or visit us online at www.communitycreditunion.com.
This decision reflects several factors, including evolving member service preferences, long-term operational planning, and ongoing safety considerations at the current location. We are proud to continue our commitment to the Lewiston community and look forward to serving you in new and improved ways.
Thank you for your continued trust in us.
Sincerely,
Jennifer M. Hogan, President/CEO
Community Credit Union
Community Credit Union is a member-owned financial cooperative and a designated Community Development Financial Institution (CDFI). We strive to provide financial services that ensure stability for our members, employees, and communities at all stages of life. With a strong focus on accessibility, inclusivity, and collaboration, Community Credit Union offers a full range of financial services to meet the diverse needs of its membership and the community. The Credit Union has locations in Lewiston, Auburn, and Turner, Maine.
Our Branch Locations and hours will be continually updated on our website through this transition.
Members will continue to have access to their accounts by using Digital Banking from the convenience of their own device. The Access menu on our website also shares details for members to access their accounts through Shared Branching, Surcharge Free ATMs, LA Connection and more.
A new way to connect with our team during regular business hours is through Interactive Teller Machines (ITMs). These machines look like and gives you the flexibility of an Automated Teller Machine (ATM) but they have the option to connect with a live teller during business hours. You can do many transactions such as Withdraw Cash, Deposit Checks, Deposit Cash, Transfer Funds, Make a Payment and Check a Balance.
Drive Up services will remain 7:30AM-5:00PM Monday through Friday at all three branches until the construction project begins at 132 Pine Street, Lewiston in the fall 2026. Updates will be posted here and communicated directly once those timelines and service interruptions are scheduled with the vendors involved.
Please feel free to contact our Member Services team by calling 207-783-2096 during business hours or reach out via email [email protected] with any questions. The team is happy to assist!
Timeline / What to Expect
- Employee, Member and Neighborhood Stakeholders Announcement – June 2, 2026
- Upgrades to 132 Pine Street, Lewiston Drive Up/ATM lanes – Fall 2026
- Operations move to DeWitt Property – Early 2027
- Member Services no longer available at 144 Pine Street, Lewiston - Early 2027
We’re Here to Help
We understand that changes like this can raise questions, and we are committed to making this transition as smooth as possible.
In the coming months, we will be:
- Providing updates and reminders
- Offering guidance on using our enhanced drive-up and digital services
- Available in-branch and by phone to answer any questions
You can always reach us at 207-783-2096 or visit us online at www.communitycreditunion.com.
This decision reflects several factors, including evolving member service preferences, long-term operational planning, and ongoing safety considerations at the current location. We are proud to continue our commitment to the Lewiston community and look forward to serving you in new and improved ways.
Thank you for your continued trust in us.
Q: What is changing?
A: Community Credit Union will be transitioning away from its full-service branch at 144 Pine Street as part of a broader effort to modernize how we serve members and support long-term operational sustainability. The full-service branch will transition to two drive-up Interactive Teller Machines located at 132 Pine Street (where our ATMs are currently located), which allows members to complete transactions in a manner similar to a traditional teller interaction during service hours. In addition, a new downtown retail branch location will open in the Dewitt Development located at 40 Pine Street. We are projecting the timing of the opening of this branch to be early 2027.
Q: Why is this change happening?
A: This decision was made after careful consideration and reflects a combination of factors, including ongoing safety considerations in the downtown area, how our members’ needs and service preferences are evolving, and our long-term planning for sustainability and operational effectiveness. Together, these factors led us to transition to a service model that allows us to continue serving our members in a way that is both effective and sustainable.
Q: Are you leaving Lewiston?
A: No, we are not leaving Lewiston. We remain deeply committed to this community and to continuing to serve our members and neighbors here in meaningful ways. Our location at 144 Pine Street will transition from full-service to solely upgraded drive-up services with Interactive Teller Machines (ITMs) at 132 Pine Street. Our commitment to serving Lewiston also includes a continued presence in the downtown through a new retail location in the Dewitt Development.
Q: Are you leaving the downtown?
A: No, we are not leaving the downtown. We remain deeply committed to this community and to continuing to serve our members and neighbors here in meaningful ways. Our location at 144 Pine Street will transition from full-service to solely upgraded drive-up services with Interactive Teller Machines (ITMs) at 132 Pine Street. We will also have continued presence in the downtown through a new retail location in the Dewitt Development, across from Kennedy Park.
Q: What will happen to the 144 Pine Street building after your transition is complete?
A: Once all of the phases of this transition are complete the building at 144 Pine Street will no longer house our employees or operations but the Credit Union will continue to own and maintain it. At that time, our Board will likely choose to put it up for sale.
Q: How will I access my accounts and services?
A: You will continue to have access to your accounts and services through several convenient options, including:
- Upgraded drive-up services with Interactive Teller Machines (ITMs) located at 132 Pine Street, 40 Stanley Street in Auburn, and 1025 Auburn Road in Turner
- Other nearby full-service branch locations, located at 40 Stanley Street in Auburn, 1025 Auburn Road in Turner and a future downtown retail branch in the Dewitt Development
- Digital banking services
- Shared branching services throughout Maine and nationwide
We are committed to ensuring members continue to have convenient, reliable access to the services they need throughout this transition and beyond.
Q: What is an ITM?
A: An Interactive Teller Machine (ITM) combines the convenience of an ATM with the added support of a live teller available during service hours through secure video technology. ITMs allow members to complete many everyday banking transactions while also having the option to speak directly via video chat with a Community Credit Union representative for assistance when needed.
Through an ITM, members can:
- Make deposits and withdrawals
- Cash checks
- Transfer funds between accounts
- Make loan payments
- Speak with a live representative during service hours
ITMs are designed to provide a secure, convenient, and more flexible banking experience while continuing to offer the personalized support members expect from Community Credit Union.
Q: Will I still be able to speak with someone in person?
A: Yes. Members will continue to have access to in-person support at our Auburn location at 40 Stanley Street and our Turner location at 1025 Auburn Road, as well as at our future downtown branch in the Dewitt Development located at 40 Pine Street. In addition, our upgraded drive-up Interactive Teller Machines (ITMs) at 132 Pine Street in Lewiston, 40 Stanley Street in Auburn, and 1025 Auburn Road in Turner will allow members to speak directly through secure video technology with a live Community Credit Union representative during service hours for assistance with many everyday banking needs. We remain committed to providing personal, accessible service and helping members choose the service options that work best for them.
Q: When will the branch transition from full-service to drive-up ITM?
A: The 144 Pine Street branch will transition to a drive-up ITM as soon as our new retail branch in the Dewitt Development opens. We anticipate this to occur in early 2027. We will continue to provide updates and reminders leading up to that date.
Q: Will the new downtown branch offer the same services?
A: The future downtown branch will continue to provide in-person member support and everyday banking services, while also reflecting a more modern and flexible service model designed to meet evolving member needs.
Q: Will my accounts or services change?
A: No. Your accounts, services, and account numbers will remain the same.
Q: What if I need help during this transition?
A: Our team is here to support you throughout this transition. We are happy to answer questions, help you understand new service options, assist with digital banking tools, and guide you through any changes related to your accounts or banking experience.
Members can continue to reach us by phone, online, or at any of our branch locations, and we will continue providing updates and resources as the transition moves forward.
Q: Who can I contact with questions?
A: If you have questions or need support during this transition, our team is here to help. You can:
- Visit any of our branch locations
- Call us at 207-783-2096
- Visit us online at www.communitycreditunion.com
We recognize this is a significant change, and we are committed to keeping you informed, supported, and connected to services that are secure, accessible, and responsive to your needs both now and in the future.
Q: Are there still safety considerations related to the ITM location or any of your other locations?
A: The safety of our employees and members remains a priority in all of our operations. The ITM drive-up will be remotely staffed by Community Credit Union with support from an outside security contractor. As part of this transition, we will continue to evaluate how each location is utilized and ensure that any necessary staff activity is planned and supported appropriately.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
APY Disclosure - Deposits
APY** = Annual Percentage Yield. Rates effective as of 09/23/24. Fees may reduce earnings.
ATVs, Motorcycles, Snowmobiles, Lawn Tractors
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 6.00% APR* | $86.09 |
| 2 years | 6.00% APR* | $44.33 |
| 3 years | 6.00% APR* | $30.43 |
| 4 years | 6.50% APR* | $23.73 |
| 5 years | 6.50% APR* | $19.58 |
| 6 years** | 6.75% APR* | $16.94 |
Click to see Rate Discounts. Collateralized Loans require full coverage insurance. Rates are subject to change without notice. Available terms may be subject to minimum amount financed. Recreational Vehicle rates apply to 2015-current model years. **2026 Untitled Motorcycle units may go up to 72 months. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Career Advancement Loans
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 8.75% APR* | $87.35 |
| 2 years | 8.75% APR* | $45.58 |
| 3 years | 9.25% APR* | $31.93 |
| 4 years | 9.25% APR* | $25.01 |
| 5 years | 9.75% APR* | $21.13 |
| 6 years | 10.00% APR* | $18.54 |
| 7 years | 10.00% APR* | $16.61 |
| 10 years | 11.75% APR* | $14.21 |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. Maximum loan amount is $20,000. Career Advancement Loans may be deferred up to 180 days from disbursement date. Interest will continue to accrue.
Certificate Secured Loans
| Term | Rates As Low As |
|---|---|
| 6 Months | 6.40% APR* |
| 1 Year | 6.40% APR* |
| 2 Years | 6.90% APR* |
| 3 Years | 6.90% APR* |
| 4 Years | 7.00% APR* |
| 5 Years | 7.00% APR* |
Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Certificates
| Term | Dividend Rate | APY** |
|---|---|---|
| 6 Months | 3.40% | 3.45% |
| 12 Months | 3.40% | 3.45% |
| 2 Years | 3.40% | 3.45% |
| 3 Years | 3.40% | 3.45% |
| 4 Years | 3.50% | 3.56% |
| 5 Years | 3.50% | 3.56% |
Minimum balance to open the account and earn the APY is $500 for Share Certificates, Traditional, SEP, Roth and Educational IRAs. 6 month term is not available for IRA Certificates. IRA Certificates are available as a Roth, Traditional, SEP or ESA. Rates are subject to change without notice. Fees could reduce the earnings on this account. Early withdrawal penalties may apply. **APY = Annual Percentage Yield.
Credit Builder Loans
| Term | Rates As Low As |
|---|---|
| 12 Months | 0% APR* |
| 18 Months | 0% APR* |
| 24 Months | 0% APR* |
Loan amount not to exceed $2,000. Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Deposit Rate Effective Date
APY** = Annual Percentage Yield. Rates effective as of 05/11/26. Fees may reduce earnings.
Health Savings Accounts
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| $100 - $1,000 | 0.05% | 0.05% |
| $1,000.01 - $5,000 | 0.05% | 0.05% |
| $5,000.01 - $10,000 | 0.10% | 0.10% |
| $10,000.01+ | 0.15% | 0.15% |
There is no minimum balance to open the account. Minimum balance to earn the APY is $100 for Health Savings Accounts. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Home Equity Loans
| Type | Rates as Low as |
|---|---|
| Home Equity (up to 80% LTV) | 8.50% APR* |
| No Equity Home Equity (up to 95% LTV) | 9.75% APR* |
*APR = Annual Percentage Rate. The APR is the Credit Union's standard rate. The rate may vary depending on each individual's credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. This is a mortgage product and may be subject to additional fees such as appraisal and/or title. Homeowners insurance required. Flood insurance required when necessary. Rate is adjusted quarterly based on the prime rate as published in the Wall Street Journal.
Jumbo Certificates
| Term | Divided Rate | APY** |
|---|---|---|
| 6 Months | 3.65% | 3.71% |
| 12 Months | 3.65% | 3.71% |
| 2 Years | 3.65% | 3.71% |
| 3 Years | 3.65% | 3.71% |
| 4 Years | 3.75% | 3.82% |
| 5 Years | 3.75% | 3.82% |
Jumbo Certificates have a minimum balance of $100,000. 6 month term is not available for IRA Certificates. IRA Certificates are available as a Roth, Traditional, SEP or ESA.
** Rates are subject to change without notice. Membership eligibility required. A penalty may be imposed for early withdrawal. Contact a Relationship Specialist for more information on applicable fees and terms. Minimum balance required for a share account at Community Credit Union is $5. Rates are subject to change without notice. Membership eligibility is required. Some restrictions may apply. This Credit Union is federally insured by NCUA and is an Equal Housing Lender.
Kasasa Cash*
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| 0 - $10,000 | 3.928% | 4.00% |
| $10,000+ | 0.25% | 0.59% to 4.00% |
| All balances if qualifications not met | 0.05% | 0.05% |
*Kasasa Accounts do not have a minimum balance requirement to earn dividends. The dividend paid is dependent upon meeting account qualifications and account balances. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Kasasa Saver*
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| 0 - $15,000 | 1.24% | 1.25% |
| $15,000+ | 0.25% | 0.38% to 1.25% |
| All balances if qualifications not met | 0.05% | 0.05% |
*Kasasa Accounts do not have a minimum balance requirement to earn dividends. The dividend paid is dependent upon meeting account qualifications and account balances. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Lines of Credit
| Type | Rates As Low As |
|---|---|
| Unsecured | 13.25% APR* |
| LeCheque Mate Overdraft Protection | 6.75% Prime** + APR* |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. Subject to credit approval. Rates are subject to change without notice. Maximum line of credit is $20,000.
**Rate is adjusted quarterly based on the prime rate as published in the Wall Street Journal.
Loan Rate Effective Date
APR* = Annual Percentage Rate. Rates effective as of 05/11/2026. Fees may reduce earnings.
Manufactured Housing
| Type | Rates As Low As |
|---|---|
| Modular | Rates change daily. Contact a Loan Officer for current rates. |
| Singlewide | Rates change daily. Contact a Loan Officer for current rates. |
Rates are subject to change without notice. Down-payment may be required to purchase real estate. Homeowners insurance required. Flood insurance required when necessary.
Money Markets
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| $2,500 - $24,999.99 | 1.60% | 1.61% |
| $25,000 - $74,999.99 | 1.85% | 1.87% |
| $75,000 or more | 2.10% | 2.12% |
Minimum balance to open the account and earn the APY is $2,500 for Money Markets. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Mortgages
| Type | Rates As Low As |
|---|---|
| 1st Mortgages | Rates change daily. Contact a Loan Officer for current rates. |
| Land | Rates change daily. Contact a Loan Officer for current rates. |
| Construction | Rates change daily. Contact a Loan Officer for current rates. |
| Land and Manufactured Housing | Rates change daily. Contact a Loan Officer for current rates. |
Community Credit Union partners with CUSO Mortgage.Click here for rates and more information on CU Promise and CU Advantage.
Rates are subject to change without notice. Down-payment may be required to purchase real estate. The credit union may lend up to 95% of the appraised value or cash selling price, whichever is less. Hazard insurance required. PMI may be required. Homeowners insurance required. Flood insurance required where necessary. Excludes manufactured home and land. Property must be your primary residence, 1-4 family, owner occupied to qualified borrower only.
Motorcoaches, RV's, Boats and Travel Trailers
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 6.00% APR* | $86.09 |
| 2 years | 6.00% APR* | $44.33 |
| 3 years | 6.00% APR* | $30.43 |
| 4 years | 6.50% APR* | $23.73 |
| 5 years | 6.50% APR* | $19.58 |
| 6 years | 6.75% APR* | $16.94 |
| 7 years | 7.00% APR* | $15.10 |
| 10 years | 7.85% APR* | $12.06 |
| 12 years | 8.25% APR* | $10.97 |
| 15 years | 8.50% APR* | $9.86 |
Click to see Rate Discounts. Rates are subject to change without notice. Available terms may be subject to minimum amount financed. Collateralized Loans require full coverage insurance. Recreational Vehicle rates apply to 2015-current model years. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
New/Used Auto Loans
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 5.15% APR* | $85.69 |
| 2 years | 5.15% APR* | $43.95 |
| 3 years | 5.15% APR* | $30.05 |
| 4 years | 5.50% APR* | $23.27 |
| 5 years | 5.50% APR* | $19.11 |
| 6 years | 5.65% APR* | $16.42 |
| 7 years | 6.75% APR* | $14.98 |
Click to see Rate Discounts. Loans require full coverage insurance. Rates are subject to change without notice. New/Used Auto rates apply to 2015-current model years. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Auto Term Guide
- Not actual mileage, add 2.00% APR*
- Salvage Vehicles, add 2.50% APR* (100% financing not available)
One Payment Notes
| Type | Term | Rates As Low As |
|---|---|---|
| Secured | 12 Months | 11.50% APR* |
| Unsecured | 12 Months | 14.50% APR* |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice.
Rate Discounts
| Discount | |
|---|---|
| Auto PayAuto Pay is when you authorize the Credit Union to set up a recurring payment transfer for your loan on a regular basis (weekly, bi-weekly, monthly). This can be set up to transfer from an account at Community Credit Union or an ACH payment using your checking and routing number from another financial institution. | |
| Debt ProtectionDebt Protection is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. We offer a Debt Protection Plan through TruStage Insurance Agency which provides a voluntary payment protection product that can provide financial assistance to cover your loan balance or monthly payment(s). Protected events include: loss of life, disability or involuntary unemployment. Simple eligibility requirements help ease the enrollment process. | |
| GAP**Guaranteed Auto Protection (GAP) is valuable coverage offered to car buyers as part of the auto loan process. GAP pays the difference between the actual cash value (ACV) of an insurance company settlement and the eligible balance of your auto loan in the event your vehicle is stolen or damaged beyond repair. | |
| CU Certified Vehicle Service Contract**Best in class automobile mechanical breakdown coverage for you. CU Certified pays for the replacement of covered part(s) and the labor to install the failed covered part(s). The CU Certified program pays for diagnostics, taxes, fluids, and filters in conjunction with covered repairs. National acceptance, trip interruption, wrap coverage, and 24-hour roadside assistance are some of the ancillary benefits of coverage. |
Rate discount is applied if the associated product is purchased or set up at the time of initial loan closing. Discounts are subject to change without notice. **Eligible on qualifying vehicles, not all vehicles eligible
Share Secured Loans
| Term | Rates As Low As |
|---|---|
| 1 Year | 3.03% APR* |
| 2 Years | 3.03% APR* |
| 3 Years | 3.53% APR* |
| 4 Years | 3.53% APR* |
| 5 Years | 3.53% APR* |
Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Shares/Club
| Type | Dividend Rate | APY** |
|---|---|---|
| Share1 | 0.03% | 0.03% |
| Vacation Club2 | 0.03% | 0.03% |
| Christmas Club2 | 0.03% | 0.03% |
| Flex Club | 0.03% | 0.03% |
| IRA Club | 0.05% | 0.05% |
Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
1Minimum balance to open the account and earn the APY is $5 for Shares. If the Share account is closed within the first 6 months, it is subject to a closing account fee. 2Subject to early withdrawal penalty if funds are withdrawn before the maturity date.
Signature (Unsecured) Loans
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 12.25% APR* | $88.99 |
| 2 years | 12.25% APR* | $47.21 |
| 3 years | 12.75% APR* | $33.59 |
| 4 years | 13.75% APR* | $27.21 |
| 5 years | 14.75% APR* | $23.67 |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. Maximum loan amount is $20,000.
Visa Business Credit Cards
| Interest Rates and Interest Charges | Rates As Low As |
|---|---|
| Purchases | 15.90% APR* |
| Balance Transfers | 15.90% APR* |
| Cash Advances | 15.90% APR* |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore. |
Visa Classic/Secured Credit Cards
| Interest Rates and Interest Charges | Rates As Low As |
|---|---|
| Purchases | 13.90% APR* |
| Balance Transfers | 13.90% APR* |
| Cash Advances | 13.90% APR* |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore. |
Youth Accounts
| Type | Dividend Rate | APY** |
|---|---|---|
| Monty Moose | 0.03% | 0.03% |
| Life Saver | 0.03% | 0.03% |
| Teens Love Cash | 0.03% | 0.03% |
Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Minimum balance to open the account and earn the APY is $5 for Monty Moose, Life Saver and Teens Love Cash accounts.
