Current Rates

Otter Tail Credit Union (800) 908-6466

Current Rates

*Secured Loan Rates*
Term of Loan	Rate (APR)
12 Months	4.50%
24 Months	4.75%
36 Months	5.00%
48 Months	5.25%
60 Months	5.50%
72 Months	5.75%

(Term will depend on age, condition, and value of collateral.)

*Unsecured Loan Rates*
Term of Loan	Rate (APR)
12 Months	7.00%
24 Months	7.50%
36 Months	8.50%
48 Months	9.00%

(All loans are subject to qualifying.)

*Share and Savings Rates*
Type of Share or Savings Account	Rates	APY Annual Percentage Yield
Primary Shares (minimum: $25.00)	.25%	.25%
Power Savings (minimum: $500.00)	.25%	.25%
IRA Shares (no minimum)	1.00%	1.01%
Christmas Club (no minimum)	.50%	.50%
Cert. Of Deposit ($500 minimum)	Rates	APY/Annual Percentage Yield
60 Day	.45%	.45%
90 Day	.60%	0.60%
120 Day	.75%	0.75%
180 Day	.85%	0.85%
270 Day	1.00%	1.00%
1 Year	1.15%	1.15%
18 Month	1.30%	1.30%
24 Month	1.45%	1.44%
Savings Rates as of February 18, 2010

                                                                Member Loyalty Plus Program

The Board of Directors decided to reward those members who use the services of the credit union. They established what we call our Member Loyalty Plus Program. This program allows our members to reduce their loan rates or increase their certificate of deposit rates up to .75%. For each service of the credit union that our members use they receive .25% adjustment on their rates, up to .75%.

The services that qualify are:

                Share Draft/Checking with direct deposit of their pay check
                Debit Card
                Existing Certificate of Deposit
                Existing Loan Account
                Power Savings Account
                IRA Account
                Roth IRA Account
                Education IRA Account
                Christmas Club Account
                Payroll Deduction
                Each increment of $15,000.00 in one or more savings accounts

If you are looking at rates on loans or certificates of deposit, call the credit union and ask if you qualify for the Member Loyalty Plus Program.