Loan Rates
Effective Date: February 7, 2023 - Does not reflect current special offers.
Vehicle Rates: Cars, Trucks, SUVs, Motorcycles, Motor Homes
| New - 2023 - 2022
|
as low as 5.50%*
|
up to 84 months
|
| Used - 2021 - 2017
|
as low as 6.50%*
|
terms vary based on year
|
| Titled other Collateral - RV's, Campers, Boats, ATV's, UTV's, Snowmobiles, Trailers, Tractors, and Equipment
|
| New - 2023 - 2022
|
as low as 7.50%*
|
up to 84 months
|
| Used - 2021 - 2008
|
as low as 7.50%*
|
up to 60 months
|
|
|
| Personal loans
|
| Unsecured
|
as low as 9.50%*
|
$5,000 maximum up to 36 month term
|
| Visa Credit Card
|
14.25%
|
| Overdraft line of Credit
|
15.00%
|
| Mortgage loans - call for terms and conditions
|
| Mortgage
|
|
| Home Equity
|
|
|
|
|
| Share secured
|
| Share Savings
|
3.00%* above current savings product rate
|
| Certificate of deposit
|
2.75%* above current certificate deposit rate
|
*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: February 6, 2023
| Share/Savings
|
Annual Percentage Yield
|
Dividend Rate
|
Minimum Deposit
|
| Shares
|
0.01%
|
0.01%
|
$25.00 to open
$50.00 to earn dividend
|
| Youth Savings
|
0.05%
|
0.05%
|
$5.00 to open
dividends earned up to $1500.00
|
| Share Draft/Checking
|
APY
|
Rate
|
Min. Deposit
|
Checking
$1000 average balance must be maintained to earn dividend
|
0.00%
|
0.00%
|
$100 minimum to open
|
| Money Market
|
APY
|
Rate
|
Min. Deposit
|
| Money Market Checking
|
0.00%
|
0.00%
|
$5,000 minimum to open
|
| Money Market Savings
|
0.01%
0.05%
0.20%
|
0.01%
0.05%
0.20%
|
$2,500 minimum to open
$25,000- $74,999
$75,000 plus
|
| Share Certificates/cds
|
APY
|
Rate
|
Min. Deposit
|
| 3 Month (youth members only)
|
1.004%
|
1.00%
|
$250.00
|
| 6 Month
|
1.407%
|
1.40%
|
$2,500.00
|
| 1 Year
|
1.660%
|
1.65%
|
$2,500.00
|
| 18 Month
|
1.762%
|
1.75%
|
$2,500.00
|
| 2 Year
|
1.863%
|
1.85%
|
$2,500.00
|
| 3 Year
|
2.066%
|
2.05%
|
$2,500.00
|
| 5 Year
|
2.524%
|
2.50%
|
$2,500.00
|
| Health Savings
|
APY
|
Rate
|
Min. Deposit
|
| $1,000 average balance must be maintained to earn dividend
|
0.05%
|
0.05%
|
$100 minimum to open
|
| Traditional & Roth Ira
|
APY
|
Rate
|
Min. Deposit
|
| Ira Savings
|
0.10%
|
0.10%
|
$25.00
|
| 3 Year Share Certificate
|
2.066%
|
2.05%
|
$2,500.00
|
| 5 Year Share Certificate
|
2.524%
|
2.50%
|
$2,500.00
|
rates are subject to change
early withdrawal penalties may apply
Fee Schedule
Effective 08/01/2022
| Share Value/Membership fee
|
| Par value of one share deposit
|
$25.00
|
| One time membership fee
|
$5.00
|
| Share Savings fees (min. opening deposit $25)
|
| Atm Card - annual fee
|
$15.00
|
| Atm Card replacement
|
$12.00
|
| Atm Card pin reissue
|
$5.00
|
| Atm withdrawals (over 6 per month)
|
$2.00/ea.
|
| Share Draft Checking fees (min. opening deposit $100)
|
| Statement fee per cycle (mailed)
|
$5.00
|
| Visa Debit Card - annual fee
|
$20.00
|
| Visa Debit Card replacement
|
$10.00
|
| Visa Debit Card pin reissue
|
$5.00
|
| ATM withdrawals (over 6 per month)
|
$2.00/ea.
|
| Checks
|
varies
|
| NSF
|
$40.00
|
| Stop payment
|
$35.00
|
| Image Check Copy
|
$5.00
|
| Money Market Checking fees (min. opening deposit $5,000)
|
| Statement fee per cycle (mailed)
|
$5.00
|
| Checks
|
varies
|
| NSF
|
$40.00
|
| Stop Payment
|
$35.00
|
| Image Check Copy
|
$3.00
|
| Money Market Savings fees (min. opening deposit $2,500)
|
| Fee for exceeding authorized number of transactions per statement cycle
|
$10.00/ea.
|
| Health Savings Account fees (min. opening deposit $100)
|
| Set up fee
|
$25.00
|
| Monthly fee
|
$2.00
|
| Close account fee
|
$25.00
|
| Visa Debit card - annual fee
|
$15.00
|
| Visa Debit card replacement
|
$10.00
|
| Visa Debit card pin reissue
|
$5.00
|
| Checks
|
varies
|
| NSF
|
$35.00
|
| Stop Payment
|
$35.00
|
| Image Check Copy
|
$5.00
|
| Loan fees
|
| Late fee - Consumer Loan
|
$25.00
|
| Late fee - Mortgage Loan
|
$50.00
|
| Loan Application fee
|
$35.00
|
| Mortgage Payoff Request
|
$25.00
|
| Visa Credit Card application fee
|
$35.00
|
| Visa Credit Card replacement fee
|
$10.00
|
| Other Service fees
|
| ACH Origination set-up
|
$10.00
|
| Account: Early closure within 90 days
|
$12.50
|
| Account: Re-open within 90 days
|
$12.50
|
| Account: Inactive - annual
|
$40.00
|
| Account Reconciliation - per hour
|
$35.00
|
| Account Research - per hour
|
$35.00
|
| Bag - locking
|
$25.00
|
| Bag - zippered
|
$5.00
|
| Bag - locking - key replacement
|
$10.00
|
| Bill pay - rush payment fee
|
$4.95 - $19.95 based on delivery option
|
| Bill pay - gift pay fee
|
$2.99
|
| Bill pay - donations fee
|
$1.99
|
| Fax Transmission - per page
|
$1.00
|
| Copies Per Page
|
.25
|
| Garnishment/levy
|
$75.00
|
| Loose coin
|
5% face
|
| Official Credit Union Check - under $1,000
|
$2.00
|
| Official Cedit Union Check - over $1,000
|
$4.00
|
| Notary
|
n/c
|
| Online banking/bill pay/estatements
|
n/c
|
| Returned Deposit - per item
|
$10.00
|
| Remote Deposit Capture – per check*
|
$1.00
|
| Returned Deposit – Per Item
|
$10.00
|
| Returned Mail
|
$7.00
|
| Statement print out
|
$5.00
|
| Verification of deposit - loan account
|
$10.00
|
| Wire transfer - domestic - in/out
|
$35.00
|
| Wire transfer - international - out
|
$50.00
|
| *RDC requires 90 days of member history for eligibility
|
|