Username:
Register
Rates   |   Visa e-Z Card Info   |   Membership Application   |   Branch & ATM Info   |   Contact Us   |   Applications & Calculators   |   Reorder Checks
Deposit Services Mortgage Auto & Consumer Loans Business Convenience Services About Us
Rates
 
Loans
Savings
Certificates
Credit Card Rates
tell a friend
print this page

Rates

Loans


Auto, Motorcycle, RV, Snowmobile, ATV, Watercraft

Rates effective July 14, 2014
  Auto, Motorcycle, RV, Snowmobile, ATV, Watercraft  Term  APR *
2009 - Current Year Models ¹24 months1.99%   
 36 months2.25%   
 48 months2.50%   
2010 - Current Year Models ¹ (Min. Loan Amount $10K)60 months3.25%   
2011 - Current Year Models ¹ (Min. LOan Amount $15K)72 months3.45%   
2013 - Current Year Models ¹ (Min. Loan Amount $30K)84 months3.99%   
2009 - Current Year Models ¹ (RV & Watercraft Only - Min. Loan Amount $30K)96 months5.25%   
2009 - Current Year Models ¹ (RV & Watercraft Only - Min. Loan Amount $40K)120 Months6.25%   
2009 - Current Year Models ¹ (RV & Watercraft Only - Min. Loan Amount $45K)180 Months7.25%   
*APR is annual percentage rate. ¹Rates quoted "are as low as" and reflect automatic payment; rate increases by 0.50% without automatic payments. Automatic payments are required to be set up at loan closing to qualify for discounted rate. Rate is determined by an assessment of credit and may vary from rate shown. Rates are subject to change without notice. Restrictions may apply.

 Return to top


Auto, Motorcycle, RV, Snowmobile, ATV, Watercraft & Misc. Collateral

Rates effective July 14, 2014

  Auto, Motorcycle, RV, Snowmobile, ATV, Watercraft & Misc. Collateral  Term  APR *
Model Year 6 yrs and Older¹24 Months3.99%   
 36 Months4.25%   
 48 Months4.50%   
 60 Months4.99%   
 72 Months5.20%   
 84 Months6.25%   
*APR is annual percentage rate. ¹Rates quoted are "as low as" and reflect automatic payment; rate increases by 0.50% without automatic payments. Automatic payments are required to be set up at loan closing to qualify for discounted rate. Rate is determined by an assessment of credit and may vary from rate shown. Rates are subject to change without notice. Restrictions may apply.
 Return to top


Other Loans

Rates effective July 14, 2014

  Other Loans  Term  APR *
Season Loans12 months6.99%   
Signature Loan¹24 months8.99%   
 36 months9.99%   
 48 months10.99%   
 60 months11.99%   
Single Payment Loan²90 day maximum7.50%   
Share Secured (Pledged)³ 2.15%   
Certificate Secured (Pledged)³ Certificate Rate + 2.0%   
*APR is annual percentage rate.  ¹Rates quoted are "as low as" and reflect automatic payment; rate increases by 0.50% without automatic payments. Automatic payments are required to be set up at loan closing to qualify for discounted rate. Rate is determined by an assessment of credit and may vary from rate shown.
²Single Payment Loans require source of repayment documentation.
³Shared Secured APR will be the dividend rate on the date of the advance plus 2%. Certificate Secured APR will be the dividend rated being paid on the Certificate (Index) offered plus 2%. The Certificate must be renewed until the advance is completely paid. Upon renewal, the APR will change to reflect the new dividend rate. Ask for more information.

 Return to top


Mortgages

CLICK FOR CURRENT MORTGAGE RATES
 Return to top


Variable Rate Home Equity

Rates effective July 14, 2014

  Home Equity Line of Credit  Term  APR *  Rate
Variable Rate Home Equity8 year draw/12 year repayment, less than or equal to 80% 4.00%4.00%   
Variable Rate Home Equity8 year draw/12 year repayment, greater than 80%, up to 90% 4.00%4.00%   
*APR is annual percentage rate. Rate is based on Wall Street Journal Prime minus 0.625%. The rate has a floor of 4.00%. Click for Full Disclosure.

 Return to top


Fixed Rate Home Equity

Rates effective July 14, 2014

  Home Equity  Term  APR *  Rate
5 Year Home Equity 5 year3.50%3.50%   
10 Year Home Equity 10 year4.25%4.25%   
15 Year Home Equity 15 year5.00%5.00%   
*APR is annual percentage rate.  Terms and restrictions may apply. Ask for more information. Add 1.00% to the published rate for loan-to-values greater than 80%.

 Return to top


VISA Credit Card

Rates effective July 14, 2014

  VISA Card  APR *
Platinum¹4.90% Introductory APR   
Classic²12.00%   
*APR is annual percentage Rate. No annual fee. Rate is subject to change. 1Platinum Visa has a 4.90% introductory APR for purchases and cash advances for a period of six billing cycles. After that, your APR will be 6.90%. This APR will vary with the market based on Prime Rate. Platinum Visa has a 4.90% introductory APR for balance transfers for a period of 12 billing cycles. After that, your APR will be 6.90%. This APR will vary with the market based on the Prime Rate.2Visa Classic has a rate of 12.00% APR for purchases and cash advances. Visa Classic has an 8.90% APR for balance transfers for a period of 12 billing cycles. After that your APR will be 12.00%.
Click for full disclosures.

 Return to top


Savings

Savings Rates

Rates effective July 7, 2014

  Account Type  Dividend Rate  APY *
Regular (A)0.15%0.15%   
High Yield $0 - $499.990.15%0.15%   
High Yield $500.00 - $2,499.990.15%0.15%   
High Yield $2,500.00 - $4,999.990.15%0.15%   
High Yield $5,000.00 - $9,999.990.20%0.20%   
High Yield $10,000.00 - $19,999.990.20%0.20%   
High Yield $20,000.00 - $24,999.990.20%0.20%   
High Yield $25,000.00 - $29,999.990.25%0.25%   
High Yield $30,000.00 - $34,999.990.25%0.25%   
High Yield $35,000.00 - $39,999.990.30%0.30%   
High Yield $40,000.00 - $49,999.990.30%0.30%   
High Yield $50,000.00 - $74,999.990.40%0.40%   
High Yield $75,000.00 - $99,999.990.40%0.40%   
High Yield $100,000.00 and up0.50%0.50%   
Stash the Cash (W)0.40%0.40%   
Club Accounts 0.15%0.15%   
IRA & SEP0.40%0.40%   
HSA $0 -$2,499.990.40%0.40%   
HSA $2,500 - $4,999.990.40%0.40%   
HSA $5,000 - $9,999.990.40%0.40%   
HSA $10,000 and up0.40%0.40%   
*APY is annual percentage yield. Rates are subject to change without notice. Rate is dividend rate.
 Return to top


Certificates

Regular Share & IRA Certificates

Rates effective July 16, 2014

  Regular Share & IRA Certificates  Dividend Rate  APY *
6 Month0.30%0.30%   
12 Month0.50%0.50%   
18 Month0.50%0.50%   
24 Month0.65%0.65%   
36 Month0.85%0.85%   
48 Month1.00%1.00%   
60 Month1.20%1.21%   
6 Month - Jumbo 0.35%0.35%   
12 Month - Jumbo0.55%0.55%   
18 Month - Jumbo0.55%0.55%   
24 Month - Jumbo0.70%0.70%   
36 Month - Jumbo0.90%0.90%   
48 Month - Jumbo1.05%1.05%   
60 Month - Jumbo1.25%1.26%   
Minimum Deposit on Regular and IRA Share Certificates is $1,000.00. Minimum Deposit on Jumbo Regular and Jumbo IRA Share Certificates is $100,000.00. Penalty for early withdrawal. Penalties may reduce earnings. Ask for more information. Rates are subject to change without notice. Rate is dividend rate.

 Return to top


Sammy Super Saver, Kids Klub & YES

Rates effective July 16, 2014

  Sammy Super Saver, Kids Klub & YES  Dividend Rate  APY *
12 Month0.55%0.55%   
Minimum Deposit on a Youth Certificate is $100.00.  Maximum Deposit is $1000.00.
Certain restrictions apply to a Youth Share Certificate.  See Staff for details.
*APY is annual percentage yield.  Penalty may be assessed for early withdrawal. Rate is dividend rate. Rates are subject to change without notice.


 Return to top


Site Search:  
Privacy Notice   |   Online Security   |   Site Map   |   Third Party Disclaimer   |   Home

© 2014 One Credit Union. All rights reserved.
1-800-578-5024 Main Office: 380 River Street, Springfield, VT 05156

Web Design & Content Management System by Cambium Group, LLC
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.  National Credit Union Administration, a U.S. Government Agency.