Loan Rates & Savings Rates

As your credit union, we pride ourselves on offering competitive savings and loan rates. Please remember, all rates are subject to change at any time.

To find out our most current rates, call us at (937) 643-2160.

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Rates effective March 1st, 2017.

Loan Rates

Loan Type Fixed APR
(as low as)
Variable APR
(as low as)
Vehicle Loans
Model years: 2014 and newer
*Rates may change based on loan to value.
2.49% 4.50%
Vehicle Loans
Model years 2013 and older
*Rates may change based on loan to value.
3.49% 4.50%
Motorcycles, Boats, Jet Skis, Motor Homes, Travel Trailers, Camping Trailers, Truck Trailers 
Model years: 2014 and newer
*Rates may change based on loan to value.
3.59% 4.50%
Motorcycles, Boats, Jet Skis, Motor Homes, Travel Trailers, Camping Trailers, Truck Trailers 
Model years: 2013 and older
*Rates may change based on loan to value.
4.59% 4.50%
Signature Loans 7.74% n/a
Holiday Loans 6.24% n/a
Miscellaneous Loans
Share Secured n/a 4.75%
(Prime+1%)
Certificate Secured 4.00% + Paid Cert Rate n/a
CheckLine – revolving 16.00% n/a
Stretch Pay** – revolving 18.00% n/a
Credit Cards
Visa Low-Rate Platinum n/a 6.75%
Visa Reward Platinum n/a 9.74%
Mortgage Freedom Loan
Refinance your mortgage balance up to 70% of appraised value of your home. Minimum finance amount of $20,000.
2.99%
(from 60 months up to 120 months)
Home Sweet Loan***
Borrow up to 90% of the available equity in your home.
As low as
4.49%
(with LTV 80% or less*)As low as
5.49%
(with LTV 81-90%*)
Home Equity Line of Credit***
Borrow up to 90% of the available equity in your home.
As low as
4.00%
represents
(with LTV 80% or less)As low as
4.24%
(with LTV 81-90%)

APR = Annual Percentage Rate
APY = Annual Percentage Yield
LTV = Loan-to-Value

All loans are subject to credit approval and other underwriting requirements. To find out what your rate will be, contact a loan officer. For plans with a variable rate feature, the annual percentage rate may vary. Prime is currently 3.50% APR as stated in the Wall Street Journal, subject to adjustment on the first day of each calendar quarter.

Members that meet all qualifications of the Loan Benefit Club will receive 0.25% loan benefit credit to an auto, recreational and closed-end signature loan each month qualifications are met (Misc. loans excluded) Day Air Loan Benefit Qualifications: debit card, minimum accumulation of $500 monthly ACH deposit, enrolled in e-statements- loan benefit paid as a credit to the loan each month that qualifications were met the prior month. Qualifications must be met on the same Day Air membership as the qualified loan; qualified loan must be closed on or after August 1, 2015.

Rates subject to change. Please call for most current rates.

*Processing fee applies and will increase the Annual Percentage Rate.

**Stretch Pay loan has a $35/70 annual fee. Must be a Day Air member in good standing for a minimum of 120 days with no derogatory checking account history/activity during the past 12 months. Member must be in good standing at the time the loan is applied for and each time an advance is made. Member must be employed by the same employer for a 6-month period, or be receiving verifiable fixed income, must provide proof of income, and time on job at the time of application. Members must have at least 12 months of productive use of the $250 credit line before being considered for the higher line of $500. We also require 10% of the limit be taken from the initial advance and placed in a pledged savings account. The $35 or $70 annual participation fee is to be paid with the first advance each year.

For plans with variable rates, the annual percentage rate may vary to a maximum of 18.00% APR. Home Equity Lines of Credit are subject to a $5,000 minimum and a $200,000 maximum: determined by credit history and Loan-to-Value. Add .25% for cash-pay closed-end loans and automatic payments from another financial institution.

*** Routine closing costs for Home Equity Loans can cost up to approximately $451. Property insurance is required. Consult your tax advisor for tax deductibility.

Savings Rates

Browse our savings rates below. All deposit accounts are insured to $250,000 by the National Credit Union Administration.

Account Type Dividend Rate APY
Regular Savings, Children’s Savings^, Vacation Club
IRA Savings Accounts
Balance to $2,499.99 (minimum $250) 0.10% 0.10%
$250.00 to $2,499.99 0.10% 0.10%
$2,500.00 to $24,999.99 0.10% 0.10%
$25,000.00 to $49,999.99 0.13% 0.13%
$50,000.00 and over 0.18% 0.18%
College Saver (minimum $100) 1.89% 1.90%
Supreme Checking*
Balance to $2,499.99 (minimum $500) 0.05% 0.05%
$2,500 – $9,999.99 0.05% 0.05%
$10,000 and over 0.10% 0.10%
Money Market (MMA)*
Balances to $9,999.99 (minimum $2,500) 0.25% 0.25%
$10,000 and over 0.30% 0.30%
Super Saver***
Balance to $24,999.99 (minimum $10,000) 0.30% 0.30%
$25,000.00 to $49,999.99 0.35% 0.35%
$50,000 to $99,999.99 0.45% 0.45%
$100,000 to $249,999.99 0.50% 0.50%
$250,000 and up 0.70% 0.70%
Health Savings Account
Balances of $500 and over
0.30% 0.30%
Auto Loan Plus 2.08% 2.10%
Holiday Club
Balance to $249.99 0.15% 0.15%
$250 and over 0.15% 0.15%
Elite Business Checking*
Minimum Balance $5,000
0.10% 0.10%
Ultimate Business Checking*
Minimum Balance $10,000
0.10% 0.10%

^Children’s Savings accounts earn interest from the first dollar.

*Monthly maintenance fees will be assessed if account falls below minimum balance. APY = Annual Percentage Yield. Rates subject to change.

Share Certificate & IRA Certificate Rates

Term Standard Rate APY
6 Months 0.70% 0.70%
12 Months 1.00% 1.00%
18 Months 1.20% 1.20%
24 Months 1.40% 1.40%
36 Months 1.64% 1.65%
48 Months 1.89% 1.90%
60 Months 2.08% 2.10%

Certificates require $500 minimum deposit. A penalty may be imposed for early withdrawal. APY = Annual Percentage Yield. Rates subject to change.

Mortgage Rates

With all of the different mortgage lenders available, how do you know who you can trust? Our mortgage professionals have your best interest at heart. We take the time to meet with you, review your individual financial picture, and help you choose the mortgage product that’s right for you.
View Current Mortgage Rates

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