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Benefits You’ll Love

  • Withdraw cash from thousands of ATMs when you need it
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  • Securely view account information or make deposits
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

1. Vehicle Info
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2. Loan Details
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3. Lease Details
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Share Certificate CalculatorDisclaimer

A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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What is the compounding interval?
  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total paid $0
  • Total interest paid $0

Checking (Share Draft) Account

Account Type Rate APY Requirements
Cherokee Checking 0.05% 0.05% $300.00 minimum
(below minimum fee $3.00)
Cherokee Checking Plus 0.05% 0.05% $2,500.00 minimum
Cherokee Checking Bonus 0.10% 0.10% $2,500.00 minimum
No more than 6 Withdrawals a month

IRA Term Share Accounts

Length Requirement Rate APY
       
12 Month $1,000.00 Minimum 2.00% 2.01%
24 Month $1,000.00 Minimum 2.25% 2.26%
26 Month $25,000.00 Minimum 3.00% 3.03%

New Auto Loans

Beacon Score Up to $25,000.00
Up to 72 months
Secured loan
All rates stated APR
Over $25,000.01
*84 months
Secured loan
All rates stated APR
720+ 5.90% 6.40%
680-719 6.90% 7.40%
640-679 7.90% 8.40%
600-639 11.15% 11.65%
555-599 15.15% 15.65%
554 & below 17.15% 17.65%

Share & IRA Savings Dividends

Account Type Balance Rate APY
Share Savings/IRA Savings $100.00 - $2,500.00 0.20% 0.20%
" " $2,500.01 - $5,000.00 0.30% 0.30%
" " $5,000.01 - $10,000.00 0.40% 0.40%
" " $10,000.01 - $25,000.00 0.50% 0.50%
" " $25,000.01 and Up 0.60% 0.60%
Escrow Savings   0.00% 0.00%

Rates declared quarterly based on Credit Union earnings. Quarter ending 9/30/23.

Share Certificates

Length Requirement Rate APY
       
12 Month $1,000.00 Minimum 2.00% 2.01%
24 Month $1,000.00 Minimum 2.25% 2.26%
26 Month $25,000.00 Minimum 3.00% 3.03%

Unsecured Loans

Beacon Score *Unsecured Loans
720+ 9.00%
680-719 10.00%
640-679 11.00%
600-639 14.00%
555-599 16.00%
554 & below 18.00%

Used Auto Loans

Vehicle Age Term

Beacon Score

All rates stated APR
1 Yr. Old 72 months 720+ 6.70%
2 Yrs. Old 72 months 680-719 7.70%
3 Yrs. Old 72 months 640-679 8.70%
4 Yrs. Old 60 months 600-639 11.95%
5 Yrs. Old 60 months 555-599 15.95%
6 Yrs. Old 48 months 554 & below 17.95%
7 Yrs. Old 48 months    

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