Savings Rates

All rates are quoted as Annual Percentage Yields, or what a fixed amount would earn if on deposit for a period of one year. Note that "compounding" is factored in when determining Annual Percentage Yields! Rates and terms are subject to change; please call the Credit Union to verify the latest rates and terms. Note that on all Share Accounts, fees charged could reduce earnings. See ourSchedule of Fees for all charges associated with Share Accounts (a one-page PDF file requiring Adobe Acrobat Reader ). Also available, are the Credit Union's Electronic Funds Transfer Disclosure and Funds Availability: Facts About Deposits, Holds and Withdrawals Disclosure.

Prime Share Accounts

  • Dividend Tiers
  • $100.00 or less
  • $100.01 to $9,999.99
  • $10,000.00 and over
  • Annual Percentage Yield
  • no dividend paid
  • 0.020%
  • 0.050%

Christmas Club Account

  • Dividend Tiers
  • $100.00 or less
  • $100.01 to $9,999.99
  • $10,000.00 and over
  • Annual Percentage Yield
  • no dividend paid
  • 0.030%
  • 0.060%

Sammie Savers / Surf Zone

  • Dividend Tiers
  • $4.99 or less
  • $5.00 to $9,999.99
  • $10,000.00 and over
  • Annual Percentage Yield
  • no dividend paid
  • 0.020%
  • 0.050%

Money Market

  • Dividend Tiers
  • $2,499.99 or less
  • $2,500.00 to $9,999.99
  • $10,000.00 to $24,999.99
  • $25,000.00 and over
  • Annual Percentage Yield
  • no dividend paid
  • 0.030%
  • 0.050%
  • 0.100%
*For Christmas Club and Term Certificates there are penalties for early withdrawal. Money Market Accounts are subject to withdrawal limitations. click here for the Truth in Savings Account Disclosure to review penalties and withdrawal limitations (a one-page PDF file requiring Adobe Acrobat Reader).

Certificate/IRA Rates

All rates are quoted as Annual Percentage Yields, or what a fixed amount would earn if on deposit for a period of one year. All institutions are required to quote Annual Percentage Yields. Note that "compounding" is already factored in when determining Annual Percentage Yields! Rates and terms are subject to change; please call the Credit Union to verify the laacc rates and terms. Note that on all Share Accounts fees charged could reduce earnings. See our Schedule of Fees for all charges associated with Share Accounts (a one-page PDF file requiring Adobe Acrobat Reader). Also available are the Credit Union's Electronic Funds Transfer Disclosure and Funds Availability: Facts About Deposits, Holds and Withdrawals Disclosure.

Individual Retirement Accounts

  • Dividend Tiers
  • $100.00 or less
  • $100.01 and over
  • Annual Percentage Yield
  • no dividend paid
  • 0.300%

Term Certificates*

  • Dividend Tiers
  • 3 month $1,000 min
  • 7 month $5,000 min.
  • 12 month $1,000 min.
  • 24 month $5,000 min.
  • 36 month $5,000 min.
  • Annual Percentage Yield
  • 0.100%
  • 0.300%
  • 0.500%
  • 0.750%
  • 0.850%
*For Christmas Club and Term Certificates there are penalties for early withdrawal. Money Market Accounts are subject to withdrawal limitations. Click here for the Truth in Savings Account Disclosure to review penalties and withdrawal limitations (a one-page PDF file requiring Adobe Acrobat Reader).

Auto Loan Rates

All Rates are quoted as Annual Percentage Rates (APR). Rates within loan types are given in ranges. The rate and terms you are offered for each loan type depend on a determination of your credit worthiness through an analysis of credit reports and information supplied on your loan application. All rates and terms are subject to change; please call the Credit Union to verify the laacc rates and terms.

New/Used Auto Loans - 2018-2015 Model Years old not exceeding 130K miles

  • Approximate Term
  • 84 months
  • 72 months
  • 60 months
  • 48 months
  • Percentage Rate
  • 4.250-9.000%
  • 3.750-16.000%
  • 3.490-15.750%
  • 3.290-14.000%

Used Auto Loans - 2014-2010 Model Years old not exceeding 130K miles

  • Approximate Term
  • 84 months
  • 72 months
  • 60 months
  • 48 months
  • Percentage Rate
  • 4.990-9.250%
  • 3.990-17.990%
  • 3.740-15.990%
  • 3.500-14.500%

Used Auto Loans - 2009-2007 Model Years old not exceeding 130K miles

  • Approximate Term
  • 84 months
  • 72 months
  • 60 months
  • 48 months
  • Percentage Rate
  • 6.990-11.250%
  • 5.990-17.990%
  • 5.740-17.990%
  • 5.500-16.500%

New Motorcycles

  • Approximate Term
  • Up to 72 months
  • Percentage Rate
  • 6.000-12.000%

Used Motorcycles

  • Approximate Term
  • Up to 60 months
  • Percentage Rate
  • 7.000-13.000%
*Members with Direct Deposit receive a 0.25% reduction off the quoted Annual Percentage Rate on all consumer loans (with the exception of VISA, share and certificate secured loans and real estate loans).

Personal Loan Rates

All Rates are quoted as Annual Percentage Rates (APR). Rates within loan types are given in ranges. The rate and terms you are offered for each loan type depend on a determination of your credit worthiness through an analysis of credit reports and information supplied on your loan application. All rates and terms are subject to change; please call the Credit Union to verify the latest rates and terms.

Personal Loans

  • Approximate Term
  • Up to 36 months
  • Percentage Rate
  • 10.500-18.000%

Credit Builders Personal Loan

  • Approximate Term
  • 12 months
  • Percentage Rate
  • 18.000%

Debt Consolidation

  • Approximate Term
  • Up to 36 months
  • Percentage Rate
  • 12.000-18.000%

Personal Credit Line

  • Approximate Term
  • Up to 36 months
  • Percentage Rate
  • 10.500-18.000%

Share Secured Loans

  • Approximate Term
  • Maximum 10 Years
  • Percentage Rate
  • 5% above dividend rate

Certificate Secured Loans

  • Approximate Term
  • Term of Certificate
  • Percentage Rate
  • 5% above dividend rate
*Members with Direct Deposit receive a 0.25% reduction off the quoted Annual Percentage Rate on all consumer loans (with the exception of VISA, share and certificate secured loans and real estate loans).