All of our Annual Percentage Rates (APR) and Annual Percentage Yields (APY) are subject to change. To see if a rate has changed, or for additional information about fees and terms, send us an email, or call us at (206) 382-7000 or 1-800-732-9300.

Loan Rates (APR)
Autos Boats RV's Marine Mortgages Motorcycles Personal Water and Snow Craft Mortgage & Equity Loans Credit Cards Reserve Line of Credit Personal Loan Certificate Secured Share Secured

Savings Yields (APY)
Savings Account Yields Checking Account Yields Money Market Account Yields Certificate Yields Vacation Club / Holiday Club Yields IRA Account Yields Rates updated: June 16, 2009

Includes Auto Equity               Term               Rate New: 0-84 mos* 5.24% to 12.89% APR¹ Used: 0-84 mos* 5.74% to 13.39% APR¹

Financing includes tax, license, warranty, GAP Insurance and Auto Agent fee. Used financing available up to 100% of Kelley value. Terms for Older Used Autos (models 8-17 years old) are available for up to 60 months. $10,000 required for loans over 48 months.
*Up to 84 month tiers available. $25,000 minimum required for loans
over 72 months.
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Term 0 Down 10% Down 0-84 mos 6.99% to 14.99% APR¹ 6.99% to 14.99% APR¹ 85-144 mos* - 6.99% to 14.99% APR¹

Financing includes tax, license and warranty. Used financing available up
to 100% of NADA value. Boats,RVs and Preferred Marine Mortgages over
$25,000 financing available up to 90% of full purchase price or 90% of
NADA or Marine Survey as applicable, whichever is less.
*$25,000 minimum required.
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Term 0 Down         0-60 mos*         6.99% to 14.99% APR¹

Financing includes tax, license and warranty. Used financing available up
to 100% of NADA value. 2 model years or newer.
*$10,000 minimum required for loans over 48 months.
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Fixed & Variable Rates
Competitive rates, fees & closing costs
                   
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Variable 80% LTV 90% LTV 4.00% to 5.75% APR¹ 4.75% to 5.75% APR¹

Rate based on Prime, currently 3.25%, and subject to change during the term of the loan (maximum 18% APR).

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Fixed 80% LTV 90% LTV 6.49% to 7.49% APR¹ 7.99% to 8.49% APR¹

6.99% APR would require 180 monthly payments of $8.98 per $1,000.
7.99% APR would require 180 monthly payments of $9.55 per $1,000.

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Rate:  11.40% to 18.00% APR¹ No annual fee 25 day grace period        Back to Top Rate:  11.40% to 18.00% APR¹ $25 annual fee 25 day grace period        Back to Top Rate:   8.90% APR No annual fee 25 day grace period        Back to Top                      Rate:  18.00% APR¹ No fees No prepayment penalties ¹Subject to credit approval. Loan available only to Prime account holders. Loans available in $50.00 increments. Loan requires direct deposit, and may not exceed the amount of your direct deposit. Loan balance plus accrued interest must be repaid via automatic funds transfer from a Watermark deposit account on your next pay date. For each advance, 5% will be placed in a required, restricted Payday Freedom Savings account, which does not allow withdrawals for 20 months from the date of your first loan. A minimum balance of $25.00 is required to earn dividends on this savings account. Back to Top Rate:  11.40% to 18.00% APR¹ Free checks-write your own loan Unsecured line-of-credit Back to Top Rate:  11.40% to 18.00% APR¹ Debt consolidation loan Back to Top Rate is 3.00% APR above your Certificate Account's current dividend rate, as disclosed on your Term Share (Certificate) Account Agreement. Back to Top Rate is 3.00% APR above your Share Account's current dividend rate. For current rates, please call the credit union. Back to Top ¹ Your Annual Percentage Rate is determined based on your credit criteria, in accordance with the Credit Union's loan policies, and is periodically re-evaluated.         APY           Balance     .25% $25.00 $25 minimum. Fees can reduce earnings on account. Rate is anticipated. The actual rate is declared at the end of each month. Rate is variable and is subject to change after the account is opened. Back to Top               APY           Balance     6.00% $0 - $500.00 .50% $500.01 + First 500 Savings requires that you have the First 500 Checking, receive eStatements instead of paper statements, and have a recurring direct deposit (any ACH transfer from another institution, payroll, or Government deposit) into the First 500 Checking. $25 minimum. Fees can reduce earnings on account. Rate is anticipated. The actual rate is declared at the end of each month. Rate is variable and is subject to change after the account is opened. Back to Top               APY           Balance     6.00% $0 - $500.00 1.00% $500.01 + For members age 17 and younger. $25 minimum. Fees can reduce earnings on account. Rate is anticipated. The actual rate is declared at the end of each month. Rate is variable and is subject to change after the account is opened. Back to Top             APY             Balance Account Name 6.00% .25% $0 - $500.00 $500.01 + First 500 Checking n/a Free Checking .20% Dividend Checking .65% High Yield Checking First 500 Checking requires that you have the First 500 Savings, receive eStatements instead of paper statements, and have a recurring direct deposit (any ACH transfer from another institution, payroll, or Government deposit) into the First 500 Checking. Dividend checking requires a minimum balance of $1,000 for members under age 55. High Yield checking requires an average monthly balance of $10,000. Fees can reduce earnings on account. Rates are variable and are subject to change after the account is opened. Rates are anticipated. The actual rates are declared at the end of each month. Back to Top          APY              Balance     .40% $1,000 - $9,999 .65% $10,000 - $24,999 .80% $25,000 - $49,999 .95% $50,000 - $99,999 1.05% $100,000 - $199,999 1.20% $200,000+ $1,000 minimum balance is required to open account and earn dividends. Fees can reduce earnings on account. Rate is variable and is subject to change after the account is opened. Back to Top            APY            Term .50% 3 mos - 5 mos* .85% 6 mos - 11 mos* 1.25% 12 mos* - 23 mos 1.35% 24 mos - 35 mos 1.70% 36 mos - 47 mos 1.90% 48 mos - 60 mos $500 minimum. Early withdrawal penalties apply. Fees can reduce earnings. * On certificates of 12 months or less, if rates increase, the owner may request a one-time increase (bump) in the dividend rate. Additional deposits (min. $100, combined maximum not to exceed the original certificate balance) accepted on certificates with terms of 12 months or less. Back to Top            APY            Term .55% 3 mos - 5 mos* .90% 6 mos - 11 mos* 1.35% 12 mos* - 23 mos 1.45% 24 mos - 35 mos 1.80% 36 mos - 47 mos 2.00% 48 mos - 60 mos $50,000 minimum. Early withdrawal penalties apply. Fees can reduce earnings. * On certificates of 12 months or less, if rates increase, the owner may request a one-time increase (bump) in the dividend rate. Additional deposits (min. $100, combined maximum not to exceed the original certificate balance) accepted on certificates with terms of 12 months or less. Back to Top            APY            Term .60% 3 mos - 5 mos* .95% 6 mos - 11 mos* 1.40% 12 mos* - 23 mos 1.65% 24 mos - 35 mos 2.00% 36 mos - 47 mos 2.10% 48 mos - 60 mos $100,000 minimum. Early withdrawal penalties apply. Fees can reduce earnings. * On certificates of 12 months or less, if rates increase, the owner may request a one-time increase (bump) in the dividend rate. Additional deposits (min. $100, combined maximum not to exceed the original certificate balance) accepted on certificates with terms of 12 months or less. Back to Top Yield:  .30% APY $5.00 minimum. $25.00 minimum required to earn dividends. Fees can reduce earnings on account. Rates are variable and are subject to change after the account is opened. Rates are anticipated. The actual rates are declared at the end of each month. Back to Top         APY              Balance      .40% $1,000 - $9,999 .65% $10,000 - $24,999 .80% $25,000 - $49,999 .95% $50,000 - $99,999 1.05% $100,000 - $199,999 1.20% $200,000+ $1,000 minimum balance is required to open account and earn dividends. Fees can reduce earnings on account. Rate is variable and is subject to change after the account is opened. Back to Top            APY            Term .55% 3 mos - 5 mos* .90% 6 mos - 11 mos* 1.30% 12 mos* - 23 mos 1.40% 24 mos - 35 mos 1.75% 36 mos - 47 mos 1.95% 48 mos - 60 mos $500 minimum. Early withdrawal penalties apply. Fees can reduce earnings. * IRA contributions and withdrawals subject to IRS rules. Bump option: On 12-month certificates, if rates increase, the owner may request a one-time increase (bump) in the dividend rate. Add-on option: On IRA certificates you can add additional deposits up to IRS limits. Back to Top            APY            Term .60% 3 mos - 5 mos* .95% 6 mos - 11 mos* 1.40% 12 mos* - 23 mos 1.50% 24 mos - 35 mos 1.85% 36 mos - 47 mos 2.05% 48 mos - 60 mos $50,000 minimum. Early withdrawal penalties apply. Fees can reduce earnings. * IRA contributions and withdrawals subject to IRS rules. Bump option: On 12-month certificates, if rates increase, the owner may request a one-time increase (bump) in the dividend rate. Add-on option: On IRA certificates you can add additional deposits up to IRS limits. Back to Top            APY            Term .65% 3 mos - 5 mos* 1.00% 6 mos - 11 mos* 1.45% 12 mos* - 23 mos 1.70% 24 mos - 35 mos 2.05% 36 mos - 47 mos 2.15% 48 mos - 60 mos $100,000 minimum. Early withdrawal penalties apply. Fees can reduce earnings. * IRA contributions and withdrawals subject to IRS rules. Bump option: On 12-month certificates, if rates increase, the owner may request a one-time increase (bump) in the dividend rate. Add-on option: On IRA certificates you can add additional deposits up to IRS limits. Back to Top Yield:  .35% APY - no term $25 minimum. Rates are variable and are subject to change after the account is opened. Back to Top