Rates

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OURCU Fee Schedule

Truth in Savings - Checking

Truth-In-Savings - Certificates

Truth-In-Savings - Sky High Yield

APY= Annual Percentage Yield. Fees may reduce earnings.

Minimum balance to open a share savings account is $25.00. Minimum balance on a savings account to earn the APY is $1,000.

Minimum balance to open a checking account is $0. Minimum balance to earn the APY is $1,000. Elevation Checking has a $7 monthly fee. Summit Checking has a $8 monthly fee that is waived if you maintain a $2,000 minimum daily balance.

Minimum balance to open an IRA and earn APY is $50.00. Minimum balance must remain in the account at all times.

Certificates of Deposit: Minimum balance to open account and minimum balance to earn the APY is $1,000. Minimum balance must remain in the account at all times.

Minimum balance to open a Launch Savings Certificate and earn APY is $500.00. Minimum balance must remain in the account at all times. Available for ages 0-17 years.

Certificate terms of 6 months, 9 months, 1 year, and 2 year are eligible for a one time rate bump.

Dividends are earned daily and paid monthly. Additional deposits not allowed.

Certificates (excluding IRA & Promotional Certificates) are automatically renewable for your selected term if applicable.

Penalties will apply to only the portion of funds withdrawn: 60 days in loss of dividends for certificates with a term of 1 year or less and 180 days in loss of dividends for terms longer than 1 year.

Your savings and IRA funds are federally insured up to $250,000 by the NCUA. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Loan Rates

Rates are current as of April 1, 2025

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Home Equity Lines of Credits (HELOC) require a one time document preparation fee of $800.

Rates offered on auto, boat, motorcycles, ATVs, personal water crafts, snowmobiles, personal loans are fixed and based on the individual’s credit scores.

Term is based on the loan amount and credit score.

Interest rate increases: extended terms: auto rate may increase by .50% - 2.50% if the term of the loan is greater than 60 months based on credit score. Mileage: auto loan loan rate will increase by 2.50%-4.5% for high mileage (greater than 100,000) based on credit score. 1.00% will be added to rate for RVs model year 2008 - 2015.  Call for details.

Certain credit score and term requirements apply. Federally Insured by the NCUA.