Interest rates change as a reflection of current economic conditions - and not just conditions here in Tuscarawas County, but across the country and round the world. In general, when the economy is doing poorly, overall economic indicators and rates tend to go down to spur economic activity and "bank rates" (as well as credit union rates) tend to follow. Likewise, when the economy is doing well, interest rates tend to rise.

As your credit union, our job is to provide you with competitive rates consistent with economic conditions. It's that simple. Sometimes we might be the lowest rate and other times we may not. But as a nonprofit, our charter ensures that what we gain in revenue goes back to our members in the form of a dividend. 

Learn all about our interest rates below. Then learn more about the differences between banks and credit unions here.


Checking

CheckingDividend RateAPY*
Share Draft Personal Checking0.00%0.00%
Share Draft Business Checking0.00%0.00%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion.
Effective October 1, 2018 - rates are effective until further notice

HSA Checking

HSA CheckingDividend RateAPY*
less than $1,0000.05%0.05%
$1,000 to $2,499.990.20%0.20%
$2,500 to $9,999.99 0.50%0.50%
$10,000 or above1.00%1.00%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion.
Effective October 1, 2018 - rates are effective until further notice

Savings

SavingsDividend RateAPY*
Personal Savings0.05%0.05%
cu$aver Savings0.05%0.05%
DP's Kids Club Savings0.05%0.05%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion.
Effective October 1, 2018 - rates are effective until further notice

Coverdell Education Savings Account (ESA)

Passbook ESA

Passbook ESA BalanceDividend RateAPY*
less than $2,5000.05%0.05%
$2,500 minimum0.40%0.40%
$20,000 minimum 0.70%0.70%
$50,000 minimum0.90%0.90%
$100,000 minimum1.10%1.10%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion.
Effective October 1, 2018 - rates are effective until further notice

Certificate ESA

Certificate ESA TermDividend RateAPY*
6 Month Certificate1.145%1.15%
12 Month Certificate1.245%1.25%
18 Month Certificate1.295%1.30%
24 Month Certificate1.540%1.55%
36 Month Certificate1.835%1.85%
48 Month Certificate2.180%2.20%
60 Month Certificate2.570%2.60%
72 Month Certificate2.959%3.00%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion.
Effective November 1, 2018 - rates are effective until further notice
Not intended as tax advice.  Please consult your financial and/or tax adviser.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity

Certificates of Deposit (CD)

Certificate TermDividend RateAPY*
6 Month Certificate1.145%1.15%
12 Month Certificate1.245%1.25%
18 Month Certificate1.295%1.30%
24 Month Certificate1.540%1.55%
36 Month Certificate1.835%1.85%
48 Month Certificate2.180%2.20%
60 Month Certificate2.570%2.60%
72 Month Certificate2.959%3.00%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion.
Effective November 1, 2018 - rates are effective until further notice
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity

Insured Money Markets

Insured Money MarketsDividend RateAPY*
Insured Money Market ($2,500 minimum)0.40%0.40%
Insured Money Market ($20,000 minimum)0.70%0.70%
Insured Money Market ($50,000 minimum)0.90%0.90%
Insured Money Market ($100,000 minimum)1.10%1.10%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion.
Effective October 1, 2018 - rates are effective until further notice

Loans

Credit Score: 730+
LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars,
Trucks,Vans,
and Motorcycles
72 month 3.90%2013 – 2018 $15.60
Cars,
Trucks,Vans,
and Motorcycles
60 month 4.90%2010 – 2012 $18.83
Cars,
Trucks,Vans,
and Motorcycles
48 month 5.90% 2009 – Older$23.44
Credit Score: 729 - 680
LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars,
Trucks,Vans,
and Motorcycles
72 month 4.40%2013 – 2018 $15.83
Credit Score: 679 - 640
LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars,
Trucks,Vans,
and Motorcycles
72 month 5.40%2013 – 2018 $16.29
Credit Score: 639 - 600
LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars,
Trucks,Vans,
and Motorcycles
72 month 7.40%2013 – 2018 $17.24
Credit Score: 599 - 550
LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars,
Trucks,Vans,
and Motorcycles
72 month 10.40%2013 – 2018 $18.73
Credit Score: 549 <
LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars,
Trucks,Vans,
and Motorcycles
72 month 13.40%2013 – 2018 $20.29
LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Collector Cars60 month5.50%All Years$19.10
RVs, Campers, Boats120 month
72 month
48 month
6.99%
6.49%
5.99%
All Years$11.61
$16.81
$23.48
Mowers48 month14.00%2015 – Older$27.33
Mowers60 month13.00%2016 – 2018$22.75

*Annual Percentage Rate - some restrictions apply
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion.
Effective October 1, 2018 - rates are effective until further notice

Individual Retirement Accounts (IRA)

Passbook IRA

Passbook IRA BalanceDividend RateAPY*
less than $2,5000.05%0.05%
$2,500 minimum0.40%0.40%
$20,000 minimum0.70%0.70%
$50,000 minimum0.90%0.90%
$100,000 minimum1.10%1.10%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion.
Effective October 1, 2018 - rates are effective until further notice

Certificate IRA

Certificate IRA TermDividend RateAPY*
6 Month Certificate1.145%1.15%
12 Month Certificate1.245%1.25%
18 Month Certificate1.295%1.30%
24 Month Certificate1.540%1.55%
36 Month Certificate1.835%1.85%
48 Month Certificate2.180%2.20%
60 Month Certificate2.570%2.60%
72 Month Certificate2.959%3.00%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion.
Effective November 1, 2018 - rates are effective until further notice
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity

Not intended as tax advice.  Please consult your financial and/or tax adviser.