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SHARE DIVIDEND RATES AND ANNUAL PERCENTAGE YIELD

EFFECTIVE 1/1/23

PRODUCT TYPEDIVIDEND RATEAPYMINIMUM BALANCE
TO OPEN		MINIMUM AVERAGE DAILY BALANCE
TO EARN APY
Share Account Balances*
$25.00 – $9,999.99
$10,000.00+
.55%
.55%
.55%
.55%		$25$200
Money Market
Share Account Balances*
$2,500.00 – $9,999.99
$10,000.00 – $49,999.99
$50,000.00+


.55%
.65%
.75%


.55%
.65%
.75%
$2500
$2500
Share Draft and Business Draft Account*.00%.00%$0$0
IRA Account*.55%.55%$50$50
Christmas Clubs.00%.00%$5N/A
*Fees may reduce earnings on the account, and rates may change after account is open.
Rates effective as of the month ended 1/31/2022.

TERM SHARE CERTIFICATE DIVIDEND RATES**
ANNUAL PERCENTAGE YIELD

EFFECTIVE 1/23/23

TERMDIVIDEND RATEAPYMINIMUM TO OPEN
6 Months3.00%3.04%$1000
9 Months3.00%3.04%$1000
12 Months3.25%3.30%$1000
18 Months3.25%3.30%$1000
24 Months3.00%3.04%$1000
36 Months2.75%2.78%$1000
48 Months2.80%2.84%$1000
60 Months2.80%2.84%$1000
**Certificate rates may change daily due to market conditions. Call the credit union for current rates

LOAN RATES†

EFFECTIVE 11/30/22

PRODUCT TYPEAPR††APPLY NOW
New Auto4.49%APPLY NOW
Used Auto4.99%APPLY NOW
Share SecuredCall Office for Rates
Partially Secured5.99%APPLY NOW
Unsecured9.24%APPLY NOW
New Recreational / Mobile Home6.74%APPLY NOW
Used Recreational / Mobile Home7.49%APPLY NOW
Home Equity Loan (up to $25,000)6.74%APPLY NOW
Home Equity Loan (over $25,000)6.99%APPLY NOW
Home Equity Line-of-CreditWSJ Prime Rate 7.50%APPLY NOW
MasterCard®9.90%APPLY NOW
†Loan rates reflect the lowest rate available on approved credit as determined by the credit-worthiness of each applicant. Stated interest rates represent the rates on 11/30/22 and are subject to change without notice. Other rates and terms may apply. Current CrossRoads Community FCU loans are not eligible for rate refinancing.
††APR – Annual Percentage Rate

FIRST (ORIGINAL)
MORTGAGE RATES

Student Loans

We offer a number of financing options for students and parents who need assistance with the cost of college tuition. There are also special loans for graduate, medical, and dental school as well as a BAR Study loan. Find out how we can help you with competitive rates and flexible repayment terms.