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Current Rates

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
HSA Checking
Savings
ESA
Certificates
Insured Money Markets
Loans
IRAs


Checking

Checking Dividend Rate APY*
Share Draft Personal Checking 0.00% 0.00%
Share Draft Business Checking 0.00% 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 credit union’s discretion.
Effective April 1, 2021 – rates are effective until further notice.

HSA Checking

HSA Checking Dividend Rate APY*
less than $1,000 0.050% 0.05%
$1,000 to $2,499.99 0.200% 0.20%
$2,500 to $9,999.99 0.500% 0.50%
$10,000 or above 1.000% 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 credit union’s discretion.
Effective April 1, 2021 – rates are effective until further notice.

Savings

Savings Dividend Rate APY*
Personal Savings 0.050% 0.05%
cu$aver Savings 0.050% 0.05%
DP’s Kids Club Savings 0.050% 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 credit union’s discretion.
Effective April 1, 2021 – rates are effective until further notice.

Coverdell Education Savings Account (ESA)

Passbook ESA

Passbook ESA Balance Dividend Rate APY*
Up to $2,499 0.050% 0.05%
$2,500 minimum 0.170% 0.17%
$50,000 minimum 0.220% 0.22%
$100,000 minimum 0.270% 0.27%
$250,000 minimum 0.300% 0.30%

*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 credit union’s discretion.
Effective April 1, 2021 – rates are effective until further notice.

Certificate ESA

Certificate ESA Term Dividend Rate APY*
6 Month Certificate 0.300% 0.30%
12 Month Certificate 0.400% 0.40%
18 Month Certificate 0.450% 0.45%
24 Month Certificate 0.500% 0.50%
36 Month Certificate 0.600% 0.60%
48 Month Certificate 0.650% 0.65%
60 Month Certificate 0.700% 0.70%
72 Month Certificate 0.750% 0.75%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective April 1, 2021 – 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 Term Dividend Rate APY*
6 Month Certificate 0.300% 0.30%
12 Month Certificate 0.400% 0.40%
18 Month Certificate 0.450% 0.45%
24 Month Certificate 0.500% 0.50%
36 Month Certificate 0.600% 0.60%
48 Month Certificate 0.650% 0.65%
60 Month Certificate 0.700% 0.70%
72 Month Certificate 0.750% 0.75%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective April 1, 2021 – 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 Markets Dividend Rate APY*
Insured Money Market (up to $2,499) 0.050% 0.05%
Insured Money Market ($2,500 minimum) 0.170% 0.17%
Insured Money Market ($50,000 minimum) 0.220% 0.22%
Insured Money Market ($100,000 minimum) 0.270% 0.27%
Insured Money Market ($250,000 minimum) 0.300% 0.30%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective April 1, 2021 – rates are effective until further notice.

Loans

Credit Score: 730+

Loans Term APR as low as* Model / Year Monthly Pymt per $1,000 Borrowed

Cars,
Trucks,Vans,
and Motorcycles

72 month

3.25% 2016 – 2021 $15.31

Cars,
Trucks,Vans,
and Motorcycles

60 month 3.25% 2013 – 2015 $18.08

Cars,
Trucks,Vans,
and Motorcycles

48 month 3.25% 2012 – Older $22.24
Credit Score: 729 – 680

Loans Term APR as low as* Model / Year Monthly Pymt per $1,000 Borrowed

Cars,
Trucks,Vans,
and Motorcycles

72 month 3.75% 2016 – 2021 $15.53
Credit Score: 679 – 640

Loans Term APR as low as* Model / Year Monthly Pymt per $1,000 Borrowed

Cars,
Trucks,Vans,
and Motorcycles

72 month 4.75% 2016 – 2021 $15.99
Credit Score: 639 – 600

Loans Term APR as low as* Model / Year Monthly Pymt per $1,000 Borrowed

Cars,
Trucks,Vans,
and Motorcycles

72 month 5.75% 2016 – 2021 $16.46
Credit Score: 599 – 550

Loans Term APR as low as* Model / Year Monthly Pymt per $1,000 Borrowed

Cars,
Trucks,Vans,
and Motorcycles

72 month 7.75% 2016 – 2021 $17.41
Credit Score: 549 <

Loans Term APR as low as* Model / Year Monthly Pymt per $1,000 Borrowed

Cars,
Trucks,Vans,
and Motorcycles

72 month 9.75% 2016 – 2021 $18.40
Loans Term APR as low as* Model / Year Monthly Pymt per $1,000 Borrowed
Collector Cars 60 month 3.25% All Years $18.08
RVs, Campers, Boats 120 month
72 month
48 month
5.25%
4.75%
4.25%
All Years $10.73
$15.99
$22.69

*Annual Percentage Rate – some restrictions apply
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective April 1, 2021 – rates are effective until further notice.

Individual Retirement Accounts (IRA)

Passbook IRA

Passbook IRA Balance Dividend Rate APY*
Up to $2,499 0.050% 0.05%
$2,500 minimum 0.170% 0.17%
$50,000 minimum 0.220% 0.22%
$100,000 minimum 0.270% 0.27%
$250,000 minimum 0.300% 0.30%

*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 credit union’s discretion.
Effective April 1, 2021 – rates are effective until further notice.

Certificate IRA

Certificate IRA Term Dividend Rate APY*

6 Month Certificate

0.300% 0.30%
12 Month Certificate 0.400% 0.40%
18 Month Certificate 0.450% 0.45%
24 Month Certificate 0.500% 0.50%
36 Month Certificate 0.600% 0.60%
48 Month Certificate 0.650% 0.65%
60 Month Certificate 0.700% 0.70%
72 Month Certificate 0.750% 0.75%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective April 1, 2021 – 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.

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