Vehicle

Description
Term
APR As Low As*

Description

New Auto/New Light Trucks/New Street Bikes (2012 to 2015)

Term

up to 84 months

APR As Low As*

2.99%

Description

Used Auto/Used Light Trucks/Used Street Bikes/Classic Vehicles

Term

up to 84 months

APR As Low As*

2.99%

*All loans are subject to credit approval. Special terms and conditions may apply. All rates are quoted as Annual Percentage Rate (A.P.R.). Rates may be higher based on credit history and term.

RV & Marine

Description
Term
APR As Low As*

Description

New RV and Marine (2010 to 2015) (RV includes motor homes, travel trailers, campers and fifth wheels. Marine includes considered boats and jet skis.)

Term

Up to 240 months

APR As Low As*

3.52%

Description

Used RV and Marine

Term

Up to 240 months

APR As Low As*

4.52%

Description

New ATV (2012 to 2015) (ATV includes Quads, dirt bikes, horse/stock trailers and snow machines.)

Term

Up to 60 months

APR As Low As*

5.49%

Description

Used ATV

Term

Up to 60 months

APR As Low As*

6.00%

*All loans are subject to credit approval. Special terms and conditions may apply. All rates are quoted as Annual Percentage Rate (A.P.R.). Rates may be higher based on credit history and term.

Primary Savings Account

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate

0.05%

Annual Percentage Yield

0.05%

Minimum Balance to Earn APY

$5

Additional Details

Minimum Opening Deposit

$5

Minimum Daily Balance to Earn Dividend

$5

Minimum Balance to Avoid Service Fee

$100

Low Balance Fee

$3 (if below the minimum)

Method of Dividend Computation

Daily Balance

Consumer Account Disclosures

  • $5 minimum balance to waive monthly fee for Youth accounts (age 17 and under)
  • Regulation D in effect (see Transaction Limitations)
  • Fee applies to members with only a Primary Savings Account
  • Rates subject to change on weekly basis

Sub Savings

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate

0.05%

Annual Percentage Yield

0.05%

Minimum Balance to Earn APY

$5

Additional Details

Minimum Opening Deposit

$5

Minimum Daily Balance to Earn Dividend

$5

Minimum Balance to Avoid Service Fee

N/A

Low Balance Fee

N/A

Method of Dividend Computation

Daily Balance

Consumer Account Disclosures

  • Regulation D in effect (see Transaction Limitations)
  • Rates subject to change on weekly basis.

Money Market Advantage

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate

0.10%

Annual Percentage Yield

0.10%

Minimum Balance to Earn APY

$0.01 - $1,999

Dividend Rate

0.10%

Annual Percentage Yield

0.10%

Minimum Balance to Earn APY

$2,000 - $19,999

Dividend Rate

0.20%

Annual Percentage Yield

0.20%

Minimum Balance to Earn APY

$20,000 - $49,999

Dividend Rate

0.30%

Annual Percentage Yield

0.30%

Minimum Balance to Earn APY

$50,000 - $99,999

Dividend Rate

0.40%

Annual Percentage Yield

0.40%

Minimum Balance to Earn APY

$100,000+

Additional Details

Minimum Opening Deposit

$2,000

Minimum Daily Balance to Earn Dividend

$0.10

Minimum Balance to Avoid Service Fee

$2,000

Low Balance Fee

$10 (if below the minimum)

Method of Dividend Computation

Average Daily Balance

Consumer Account Disclosures

  • Account may be accessed by Online Banking,
    check or over the counter
  • The account cannot be used as collateral for a loan
  • Regulation D in effect (See Transaction
    Limitations)
  • Rates subject to change on weekly basis

Money Market Advantage Plus

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate

0.05%

Annual Percentage Yield

0.05%

Minimum Balance to Earn APY

$0.01 - $49,999

Dividend Rate

0.50%

Annual Percentage Yield

0.50%

Minimum Balance to Earn APY

$50,000 - $99,999

Dividend Rate

0.75%

Annual Percentage Yield

0.75%

Minimum Balance to Earn APY

$100,000+

Additional Details

Minimum Opening Deposit

$50,000

Minimum Daily Balance to Earn Dividend

$0.01

Minimum Balance to Avoid Service Fee

N/A

Low Balance Fee

N/A

Method of Dividend Computation

Average Daily Balance

Consumer Account Disclosures

  • Account may be accessed by Online Banking, or
    over the counter
  • The account cannot be used as collateral for a loan
  • Regulation D in effect (See Transaction Limitations
  • Rates are subject to change weekly
  • Requires a minimum of $25,000 of new money to
    establish minimum opening deposit of $50,000

Checking

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate

N/A

Annual Percentage Yield

N/A

Minimum Balance to Earn APY

N/A

Additional Details

Minimum Opening Deposit

$50

Method of Dividend Computation

N/A

Low Balance Fee

N/A

Minimum Daily Balance to Earn Dividend

N/A

Minimum Balance to Avoid Service Fee

N/A

Consumer Account Disclosures

  • CourtesyPay and Overdraft Transfer available. See
    detailed checking fees
  • Account may be accessed by check, debit card,
    online banking, mobile banking or over the counter

Dividend Checking

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate

0.01%

Annual Percentage Yield

0.01%

Minimum Balance to Earn APY

$250

Dividend Rate

0.06%

Annual Percentage Yield

0.06%

Minimum Balance to Earn APY

$5,000

Dividend Rate

0.11%

Annual Percentage Yield

0.11%

Minimum Balance to Earn APY

$25,000

Additional Details

Minimum Opening Deposit

$100

Minimum Daily Balance to Earn Dividend

$250

Minimum Balance to Avoid Service Fee

$250

Low Balance Fee

$6 (if below minimum)

Method of Computation

Average Daily Balance

Consumer Account Disclosures

  • First order of checks is discounted
  • CourtesyPay and Overdraft Transfer available
  • Account may be accessed by check, debit card,online banking, mobile banking or over the counter
  • Fees or other conditions may reduce the earnings
    of the account. See detailed checking fees
  • Rates subject to change on weekly basis

Certificate 3 months

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate

0.05%

Annual Percentage Yield

0.05%

Minimum Balance to Earn APY

$500

Dividend Rate

0.15%

Annual Percentage Yield

0.15%

Minimum Balance to Earn APY

$10,000

Dividend Rate

0.35%

Annual Percentage Yield

0.35%

Minimum Balance to Earn APY

$75,000

Additional Details

Minimum Opening Deposit

$500

Minimum Daily Balance to Earn Dividend

$500

Minimum Balance to Avoid Service Fee

N/A

Low Balance Fee

N/A

Method of Dividend Computation

Daily Balance

Payment of Dividends

Monthly

Dividends paid monthly or at maturity. Fixed rate.

CONSUMER ACCOUNT DISCLOSURES CERTIFICATES

  • Certificate secured loans available.
  • Bump Rate feature: If the Credit Union has offered and published a higher Dividend Rate for a share certificate of the same term and amount during the term of your certificate, same term and amount during the term of your certificate.
  • You may request a one‐time increase in the Dividend Rate to a higher Dividend Rate for the remaining term of the account. For Certificate accounts with a term up to 23 months, the maximum Dividend Rate increase is 0.5%. For a Certificate account with term greater than 23 months maximum Dividend Rate increase is 1.00%. The bump rate may not exceed the published Dividend Rate.
  • Deposit Rules: Additional deposits of $25.00 or higher are allowed to the Certificate only by payroll deduction, direct deposit, and account transfer when in conjunction with a payroll deposit.
  • Withdrawal Rules: Certificates that are redeemed early shall have a penalty of 90 days of dividends on terms of 12 months or less, and 180 days on dividends over 12 months.
  • Partial withdrawals of posted dividends are allowed prior to maturity without a penalty. The amount of the penalty may be deducted from the principal of the Share Certificate if the dividend has previously been withdrawn. Penalties may be waived under certain circumstances.

Certificate 6 months

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate

0.05%

Annual Percentage Yield

0.05%

Minimum Balance to Earn APY

$500

Dividend Rate

0.20%

Annual Percentage Yield

0.20%

Minimum Balance to Earn APY

$10,000

Dividend Rate

0.40%

Annual Percentage Yield

0.40%

Minimum Balance to Earn APY

$75,000

Additional Details

Minimum Opening Deposit

$500

Minimum Daily Balance to Earn Dividend

$500

Minimum Balance to Avoid Service Fee

N/A

Low Balance Fee

N/A

Method of Dividend Computation

Daily Balance

Payment of Dividends

Monthly

Dividends paid monthly or at maturity. Fixed rate.

CONSUMER ACCOUNT DISCLOSURES CERTIFICATES

  • Certificate secured loans available.
  • Bump Rate feature: If the Credit Union has offered and published a higher Dividend Rate for a share certificate of the same term and amount during the term of your certificate, same term and amount during the term of your certificate.
  • You may request a one‐time increase in the Dividend Rate to a higher Dividend Rate for the remaining term of the account. For Certificate accounts with a term up to 23 months, the maximum Dividend Rate increase is 0.5%. For a Certificate account with term greater than 23 months maximum Dividend Rate increase is 1.00%. The bump rate may not exceed the published Dividend Rate.
  • Deposit Rules: Additional deposits of $25.00 or higher are allowed to the Certificate only by payroll deduction, direct deposit, and account transfer when in conjunction with a payroll deposit.
  • Withdrawal Rules: Certificates that are redeemed early shall have a penalty of 90 days of dividends on terms of 12 months or less, and 180 days on dividends over 12 months.
  • Partial withdrawals of posted dividends are allowed prior to maturity without a penalty. The amount of the penalty may be deducted from the principal of the Share Certificate if the dividend has previously been withdrawn. Penalties may be waived under certain circumstances.

Certificate 12 months

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate

0.10%

Annual Percentage Yield

0.10%

Minimum Balance to Earn APY

$500

Dividend Rate

0.30%

Annual Percentage Yield

0.30%

Minimum Balance to Earn APY

$10,000

Dividend Rate

0.50%

Annual Percentage Yield

0.50%

Minimum Balance to Earn APY

$75,000

Additional Details

Minimum Opening Deposit

$500

Minimum Daily Balance to Earn Dividend

$500

Minimum balance to Avoid Service Fee

N/A

Low Balance Fee

N/A

Method of Dividend Computation

Daily Balance

Payment of Dividends

Monthly

Dividends paid monthly or at maturity. Fixed rate.

CONSUMER ACCOUNT DISCLOSURES CERTIFICATES

  • Certificate secured loans available.
  • Bump Rate feature: If the Credit Union has offered and published a higher Dividend Rate for a share certificate of the same term and amount during the term of your certificate, same term and amount during the term of your certificate.
  • You may request a one‐time increase in the Dividend Rate to a higher Dividend Rate for the remaining term of the account. For Certificate accounts with a term up to 23 months, the maximum Dividend Rate increase is 0.5%. For a Certificate account with term greater than 23 months maximum Dividend Rate increase is 1.00%. The bump rate may not exceed the published Dividend Rate.
  • Deposit Rules: Additional deposits of $25.00 or higher are allowed to the Certificate only by payroll deduction, direct deposit, and account transfer when in conjunction with a payroll deposit.
  • Withdrawal Rules: Certificates that are redeemed early shall have a penalty of 90 days of dividends on terms of 12 months or less, and 180 days on dividends over 12 months.
  • Partial withdrawals of posted dividends are allowed prior to maturity without a penalty. The amount of the penalty may be deducted from the principal of the Share Certificate if the dividend has previously been withdrawn. Penalties may be waived under certain circumstances.

Certificate 24 months

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate

0.40%

Annual Percentage Yield

0.40%

Minimum Balance to Earn APY

$500

Dividend Rate

0.60%

Annual Percentage Yield

0.60%

Minimum Balance to Earn APY

$10,000

Dividend Rate

0.80%

Annual Percentage Yield

0.80%

Minimum Balance to Earn APY

$75,000

Additional Details

Minimum Opening Deposit

$500

Minimum Daily Balance to Earn Dividend

$500

Minimum Balance to Avoid Service Fee

N/A

Low Balance Fee

N/A

Method of Dividend Computation

Daily Balance

Payment of Dividends

Monthly

Dividends paid monthly or at maturity. Fixed rate.

CONSUMER ACCOUNT DISCLOSURES CERTIFICATES

  • Certificate secured loans available.
  • Bump Rate feature: If the Credit Union has offered and published a higher Dividend Rate for a share certificate of the same term and amount during the term of your certificate, same term and amount during the term of your certificate.
  • You may request a one‐time increase in the Dividend Rate to a higher Dividend Rate for the remaining term of the account. For Certificate accounts with a term up to 23 months, the maximum Dividend Rate increase is 0.5%. For a Certificate account with term greater than 23 months maximum Dividend Rate increase is 1.00%. The bump rate may not exceed the published Dividend Rate.
  • Deposit Rules: Additional deposits of $25.00 or higher are allowed to the Certificate only by payroll deduction, direct deposit, and account transfer when in conjunction with a payroll deposit.
  • Withdrawal Rules: Certificates that are redeemed early shall have a penalty of 90 days of dividends on terms of 12 months or less, and 180 days on dividends over 12 months.
  • Partial withdrawals of posted dividends are allowed prior to maturity without a penalty. The amount of the penalty may be deducted from the principal of the Share Certificate if the dividend has previously been withdrawn. Penalties may be waived under certain circumstances.

Certificate 36 months

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate

0.80%

Annual Percentage Yield

0.80%

Minimum Balance to Earn APY

$500

Dividend Rate

1.00%

Annual Percentage Yield

1.01%

Minimum Balance to Earn APY

$10,000

Dividend Rate

1.20%

Annual Percentage Yield

1.21%

Minimum Balance to Earn APY

$75,000

Additional Details

Minimum Opening Deposit

$500

Minimum Daily Balance to Earn Dividend

$500

Minimum Balance to Avoid Service Fee

N/A

Low Balance Fee

N/A

Method of Dividend Computation

Daily Balance

Payment of Dividends

Monthly

Dividends paid monthly or at maturity. Fixed rate.

CONSUMER ACCOUNT DISCLOSURES CERTIFICATES

  • Certificate secured loans available.
  • Bump Rate feature: If the Credit Union has offered and published a higher Dividend Rate for a share certificate of the same term and amount during the term of your certificate, same term and amount during the term of your certificate.
  • You may request a one‐time increase in the Dividend Rate to a higher Dividend Rate for the remaining term of the account. For Certificate accounts with a term up to 23 months, the maximum Dividend Rate increase is 0.5%. For a Certificate account with term greater than 23 months maximum Dividend Rate increase is 1.00%. The bump rate may not exceed the published Dividend Rate.
  • Deposit Rules: Additional deposits of $25.00 or higher are allowed to the Certificate only by payroll deduction, direct deposit, and account transfer when in conjunction with a payroll deposit.
  • Withdrawal Rules: Certificates that are redeemed early shall have a penalty of 90 days of dividends on terms of 12 months or less, and 180 days on dividends over 12 months.
  • Partial withdrawals of posted dividends are allowed prior to maturity without a penalty. The amount of the penalty may be deducted from the principal of the Share Certificate if the dividend has previously been withdrawn. Penalties may be waived under certain circumstances.

Certificate 48 months

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate

1.35%

Annual Percentage Yield

1.36%

Minimum Balance to Earn APY

$500

Dividend Rate

1.55%

Annual Percentage Yield

1.56%

Minimum Balance to Earn APY

$10,000

Dividend Rate

1.75%

Annual Percentage Yield

1.76%

Minimum Balance to Earn APY

$75,000

Additional Details

Minimum Opening Deposit

$500

Minimum Daily Balance to Earn Dividend

$500

Minimum Balance to Avoid Service Fee

N/A

Low Balance Fee

N/A

Method of Dividend Computation

Daily Balance

Payment of Dividends

Monthly

Dividends paid monthly or at maturity. Fixed rate.

CONSUMER ACCOUNT DISCLOSURES CERTIFICATES

  • Certificate secured loans available.
  • Bump Rate feature: If the Credit Union has offered and published a higher Dividend Rate for a share certificate of the same term and amount during the term of your certificate, same term and amount during the term of your certificate.
  • You may request a one‐time increase in the Dividend Rate to a higher Dividend Rate for the remaining term of the account. For Certificate accounts with a term up to 23 months, the maximum Dividend Rate increase is 0.5%. For a Certificate account with term greater than 23 months maximum Dividend Rate increase is 1.00%. The bump rate may not exceed the published Dividend Rate.
  • Deposit Rules: Additional deposits of $25.00 or higher are allowed to the Certificate only by payroll deduction, direct deposit, and account transfer when in conjunction with a payroll deposit.
  • Withdrawal Rules: Certificates that are redeemed early shall have a penalty of 90 days of dividends on terms of 12 months or less, and 180 days on dividends over 12 months.
  • Partial withdrawals of posted dividends are allowed prior to maturity without a penalty. The amount of the penalty may be deducted from the principal of the Share Certificate if the dividend has previously been withdrawn. Penalties may be waived under certain circumstances.

IRA Savings

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate

0.20%

Annual Percentage Yield

0.20%

Minimum Balance to Earn APY

$25

Additional Details

Minimum Opening Deposit

$25

Minimum Daily Balance to Earn Dividend

$25

Minimum Balance to Avoid Service Fee

N/A

Low Balance Fee

N/A

Method of Dividend Computation

Daily Balance

Payment of Dividends

Monthly

Fixed rate.

Mortgage Rates

Solarity’s mortgage team takes the time to understand your situation and needs because each person and their goals are unique. To determine what mortgage loan and rate best meets your needs, please contact one of our Mortgage Loan Officers or apply online.

Contact Our Mortgage Team Apply Online

Truth in Savings Disclosure

Rate Information: The Dividend Rate and Annual Percentage Yield on your accounts are set forth within and are subject to change. The Dividend Rates and Annual Percentage Yields applicable to the account depends on the balance range as set forth within. Once a balance range is met, the rate forth at tier will apply to the entire account balance. For Certificate accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate Accounts, the Annual Percentage Yield is based on an assumption that interest will remain on deposit for one year. A withdrawal of dividends will reduce earnings.

Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield set forth within are the prospective rates that the Credit Union anticipates paying for the applicable dividend period.

Dividend Non-Payment Rule: On member’s deposits represented by a deposited check that is later dishonored, the Credit Union may determine not to pay dividends on the check amount for the time period the check was outstanding.

Compounding and Crediting: Dividends will be compounded monthly and credited monthly. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. Dividends shall be paid on the full balance in the account for each day the accounts meet the minimum balance requirements.

Accrual of Dividends: Dividends on cash deposits will begin accruing when the deposit is received. Dividends on non-cash items such as checks, drafts, and remote deposits, may start accruing on the day the Credit Union receives provisional credit. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

Balance Information: The minimum balance required to open each account and the method of dividend computation is set forth within. We use either daily balance or average daily balance computation method as set forth within. The daily balance method applies a daily periodic rate to the principal in the account each day. The average daily balance method is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. For all accounts there is a minimum daily balance requirement to earn dividends as set forth within.

Transaction Limitations: As set forth in Federal Regulation D, Primary Savings account, Sub-savings account, Money Market Advantage & Money Market Advantage Plus account transaction limitations will apply. No more than six (6) transfers by check or debit purchase, preauthorized, automatic, online banking,telephonic, or audio response transfers to another account or to a third party during any calendar month. If you exceed these limitations, your accounts maybe subject to fees or account closure and transactions may not be honored.

Consumer Account Disclosures

 IRAs

– May not be used as collateral on a loan.
– IRAs are subject to all rules and regulations regarding IRAs set by the IRS. Fees or other conditions may reduce the earnings of the account. See detailed IRA & Certificate Information.

This Deposit Rate Schedule sets forth current rates applicable to your accounts at Solarity Credit Union at this time. Rates are subject to change any time. Each account holder agrees to the terms set forth on this Deposit Rate Schedule and acknowledges that it is part of the Solarity Credit Union Membership and Account Agreement

Share Insurance

Deposits in Solarity Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF). As a Solarity member, you do not pay directly for your share insurance protection. Solarity Credit Union pays into the NCUSIF for you.

By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be NCUSIF-insured to the legal maximum of $250,000 for each ownership category.

For more information, visit the NCUA website at www.NCUA.gov or contact NCUA’s Consumer Assistance Center between 8 a.m. and 6 p.m. EDT at 800.755.1030, press (1) for share insurance questions.