Loan Rates
Effective Date: April 28, 2025 - Does not reflect current special offers.
Vehicle Rates: Cars, Trucks, SUVs, Motorcycles, Motor Homes
| New - 2025 - 2024 |
as low as 6.50%* |
up to 84 months |
| Used - 2023 - 2019 |
as low as 7.25%* |
terms vary based on year |
| Titled other Collateral - RV's, Campers, Boats, ATV's, UTV's, Snowmobiles, Trailers, Tractors, and Equipment |
| New - 2025 - 2024 |
as low as 8.25%* |
up to 84 months |
| Used - 2023 - 2010 |
as low as 8.25%* |
up to 60 months |
| |
| Personal loans |
| Unsecured |
as low as 10.25%* |
$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: April 28, 2025
| 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 and required to
have $25.00 in account withing 6 months. |
| 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 |
0.25%
0.50%
0.75% |
0.25%
0.50%
0.75% |
$2,500 minimum to open
$25,000- $74,999
$75,000 plus |
| Share Certificates/CD's |
APY |
Rate |
Min. Deposit |
| 3 Month (youth members only) |
2.015% |
2.00% |
$250.00 |
| 6 Month |
2.015% |
2.00% |
$2,500.00 |
| 1 Year |
1.812% |
1.80% |
$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 04/30/2025
| 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 |
$20.00 |
| Atm Card replacement |
$15.00 |
| 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) |
$6.00 |
| Visa Debit Card - annual fee |
$20.00 |
| Visa Debit Card replacement |
$15.00 |
| 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) |
| Checks |
varies |
| NSF |
$40.00 |
| Stop Payment |
$35.00 |
| Image Check Copy |
$5.00 |
| Money Market Savings fees (min. opening deposit $2,500) |
| 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 |
$25.00 |
| Visa Debit card replacement |
$15.00 |
| Visa Debit card pin reissue |
$5.00 |
| Checks |
varies |
| NSF |
$40.00 |
| 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 |
$45.00 |
| Mortgage Payoff Request |
$25.00 |
| Visa Credit Card application fee |
$45.00 |
| Visa Credit Card replacement fee |
$10.00 |
| Other Service fees |
| ACH Origination set-up |
$10.00 |
| **ACH Returned Fee (Per Item) |
$40.00 |
| 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 |
$45.00 |
| Account Research - per hour |
$45.00 |
| 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 |
| Garnishment/levy |
$75.00 |
| Loose coin |
5% face |
| Official Credit Union Check |
$4.00 |
| Official CU Checks Stop Payment Fee |
$35.00 |
| Online Banking/Bill Pay/eStatements |
n/c |
| Returned Mail |
$15.00 |
| * RDC requires 90 days of member history for eligibility. |
|
| Remote Deposit Capture – per check* |
$1.00 |
| Returned Deposit – Per Item |
$12.00 |
| Statement print out |
$6.00 |
| ** NSF/ACH Fee - An NSF charge is imposed each time an item is presented against insufficient funds. The payee (or the payee's institution) may represent a previously returned item. Each presentment against insufficient funds will result in a sperate charge. |
|
| Verification of deposit - loan account |
$10.00 |
| Wire transfer - domestic - in/out |
$35.00 |
| Wire transfer - international - out |
$50.00 |
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