Loan Rates
Effective Date: June 21, 2023 - Does not reflect current special offers.
Vehicle Rates: Cars, Trucks, SUVs, Motorcycles, Motor Homes
New - 2023 - 2022
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as low as 6.25%*
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up to 84 months
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Used - 2021 - 2017
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as low as 7.25%*
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terms vary based on year
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Titled other Collateral - RV's, Campers, Boats, ATV's, UTV's, Snowmobiles, Trailers, Tractors, and Equipment
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New - 2023 - 2022
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as low as 9.25%*
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up to 84 months
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Used - 2021 - 2008
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as low as 8.50%*
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up to 60 months
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Personal loans
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Unsecured
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as low as 10.25%*
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$5,000 maximum up to 36 month term
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Visa Credit Card
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14.25%
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Overdraft line of Credit
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15.00%
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Mortgage loans - call for terms and conditions
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Mortgage
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Home Equity
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|
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Share secured
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Share Savings
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3.00%* above current savings product rate
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Certificate of deposit
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2.75%* above current certificate deposit rate
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*annual percentage rate. rates are subject to change. rates and terms are based on credit experience. all loans subject to members qualification. some restrictions may apply.
Deposit Rates
Effective: June 21, 2023
Share/Savings
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Annual Percentage Yield
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Dividend Rate
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Minimum Deposit
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Shares
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0.01%
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0.01%
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$25.00 to open
$50.00 to earn dividend
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Youth Savings
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0.05%
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0.05%
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$5.00 to open
dividends earned up to $1500.00
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Share Draft/Checking
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APY
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Rate
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Min. Deposit
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Checking
$1000 average balance must be maintained to earn dividend
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0.00%
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0.00%
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$100 minimum to open
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Money Market
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APY
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Rate
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Min. Deposit
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Money Market Checking
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0.00%
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0.00%
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$5,000 minimum to open
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Money Market Savings
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0.25%
0.50%
0.75%
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0.25%
0.50%
0.75%
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$2,500 minimum to open
$25,000- $74,999
$75,000 plus
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Share Certificates/cds
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APY
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Rate
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Min. Deposit
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3 Month (youth members only)
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2.015%
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2.00%
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$250.00
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6 Month
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2.015%
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2.00%
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$2,500.00
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1 Year
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4.060%
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4.00%
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$2,500.00
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18 Month
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1.762%
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1.75%
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$2,500.00
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2 Year
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1.863%
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1.85%
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$2,500.00
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3 Year
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2.066%
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2.05%
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$2,500.00
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5 Year
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2.524%
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2.50%
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$2,500.00
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Health Savings
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APY
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Rate
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Min. Deposit
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$1,000 average balance must be maintained to earn dividend
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0.05%
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0.05%
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$100 minimum to open
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Traditional & Roth Ira
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APY
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Rate
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Min. Deposit
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Ira Savings
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0.10%
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0.10%
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$25.00
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3 Year Share Certificate
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2.066%
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2.05%
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$2,500.00
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5 Year Share Certificate
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2.524%
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2.50%
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$2,500.00
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rates are subject to change
early withdrawal penalties may apply
Fee Schedule
Effective 08/01/2022
Share Value/Membership fee
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Par value of one share deposit
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$25.00
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One time membership fee
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$5.00
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Share Savings fees (min. opening deposit $25)
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Atm Card - annual fee
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$15.00
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Atm Card replacement
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$12.00
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Atm Card pin reissue
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$5.00
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Atm withdrawals (over 6 per month)
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$2.00/ea.
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Share Draft Checking fees (min. opening deposit $100)
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Statement fee per cycle (mailed)
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$5.00
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Visa Debit Card - annual fee
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$20.00
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Visa Debit Card replacement
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$10.00
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Visa Debit Card pin reissue
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$5.00
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ATM withdrawals (over 6 per month)
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$2.00/ea.
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Checks
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varies
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NSF
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$40.00
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Stop payment
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$35.00
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Image Check Copy
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$5.00
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Money Market Checking fees (min. opening deposit $5,000)
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Statement fee per cycle (mailed)
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$5.00
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Checks
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varies
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NSF
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$40.00
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Stop Payment
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$35.00
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Image Check Copy
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$3.00
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Money Market Savings fees (min. opening deposit $2,500)
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Fee for exceeding authorized number of transactions per statement cycle
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$10.00/ea.
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Health Savings Account fees (min. opening deposit $100)
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Set up fee
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$25.00
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Monthly fee
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$2.00
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Close account fee
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$25.00
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Visa Debit card - annual fee
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$15.00
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Visa Debit card replacement
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$10.00
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Visa Debit card pin reissue
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$5.00
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Checks
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varies
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NSF
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$35.00
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Stop Payment
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$35.00
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Image Check Copy
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$5.00
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Loan fees
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Late fee - Consumer Loan
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$25.00
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Late fee - Mortgage Loan
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$50.00
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Loan Application fee
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$35.00
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Mortgage Payoff Request
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$25.00
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Visa Credit Card application fee
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$35.00
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Visa Credit Card replacement fee
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$10.00
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Other Service fees
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ACH Origination set-up
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$10.00
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Account: Early closure within 90 days
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$12.50
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Account: Re-open within 90 days
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$12.50
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Account: Inactive - annual
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$40.00
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Account Reconciliation - per hour
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$35.00
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Account Research - per hour
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$35.00
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Bag - locking
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$25.00
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Bag - zippered
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$5.00
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Bag - locking - key replacement
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$10.00
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Bill pay - rush payment fee
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$4.95 - $19.95 based on delivery option
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Bill pay - gift pay fee
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$2.99
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Bill pay - donations fee
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$1.99
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Fax Transmission - per page
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$1.00
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Copies Per Page
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.25
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Garnishment/levy
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$75.00
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Loose coin
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5% face
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Official Credit Union Check - under $1,000
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$2.00
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Official Cedit Union Check - over $1,000
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$4.00
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Notary
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n/c
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Online banking/bill pay/estatements
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n/c
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Returned Deposit - per item
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$10.00
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Remote Deposit Capture – per check*
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$1.00
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Returned Deposit – Per Item
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$10.00
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Returned Mail
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$7.00
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Statement print out
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$5.00
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Verification of deposit - loan account
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$10.00
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Wire transfer - domestic - in/out
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$35.00
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Wire transfer - international - out
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$50.00
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*RDC requires 90 days of member history for eligibility
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