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Rates & Fees

 

Loan Rates

Effective Date: December 12, 2016
Vehicle Rates Cars and Trucks
New - 2017 As low as 3.25%* Up to 72 months
Used - 2016 & Older As low as 3.50%* Terms vary based on year
Titled Other Collateral - Motorcycles, Motor Homes, Travel Trailers
New - 2017 As low as 4.75%* Up to 10 years with 5 year balloon based on dollar amount
Used - 2016 & Older As low as 5.00%* Term based on dollar amount
Untitled Other Collateral - ATVs, Snowmobiles, Boats
2017 As low as 5.75%* Term based on dollar amount
2015 - 2016 As low as 6.00%* Term based on dollar amount
2014 & Older As low as 6.50%* Term based on dollar amount
Personal Loans
Unsecured As low as 10.00%* $5,000 maximum up to 24 month term
VISA Credit Card 14.25%
Overdraft Line of Credit 15.00%
Mortgage Loans - Call for Terms and Conditions
First As low as 4.25%*
Home Equity As low as 4.25%*
Mobile Home - without Real Estate As low as 8.50%*
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: January 27, 2017
Share/Savings Annual Percentage Yield Dividend Rate Minimum Deposit
Shares 0.05% 0.05% $25.00 to open
$50.00 to earn dividend
Youth Savings 0.15% 0.15% $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
0.05% 0.05% $100 minimum to open
Money Market APY Rate Min. Deposit
Money Market Checking 0.10% 0.10% $5,000 minimum to open
Money Market Savings 0.05%
0.10%
0.15%
0.05%
0.10%
0.15%
$2,500 minimum to open
$25,000- $74,999
$75,000 Plus
Share Certificates/CDs APY Rate Min. Deposit
3 Month Add-On (Youth Members ONLY) 0.75% 0.75% $250.00
6 Month 0.30% 0.30% $2,500.00
1 Year 0.50% 0.50% $2,500.00
18 Month 0.55% 0.55% $2,500.00
2 Year 0.65% 0.65% $2,500.00
3 Year 0.70% 0.70% $2,500.00
5 Year 0.90% 0.90% $2,500.00
Health Savings APY Rate Min. Deposit
$1,000 average balance must be maintained to earn dividend 0.20% 0.20% $100 minimum to open
Traditional & ROTH IRA APY Rate Min. Deposit
IRA Savings 0.20% 0.20% $25.00
3 Year Share Certificate 0.70% 0.70% $2,500.00
5 Year Share Certificate 0.90% 0.90% $2,500.00


Rates are subject to change 
Early withdrawal penalties may apply

 

Fee Schedule

Effective May 1, 2017
Share Value/Membership Fee
Par Value of One Share Deposit $25.00
One Time Membership Fee $1.00
Share Savings Fees (Min. opening deposit $25)
ATM Card - Annual Fee $12.00
ATM Card Replacement $10.00
ATM Card PIN Reissue $5.00
ATM Withdrawals (over 6 per month) $1.00/ea.
Share Draft Checking Fees (Min. opening deposit $100)
Statement Fee per cycle (mailed) $1.00
Visa Debit Card - Annual Fee $12.00
Visa Debit Card Replacement $10.00
Visa Debit Card PIN Reissue $5.00
ATM Withdrawals (over 6 per month) $1.00/ea.
Checks Varies
NSF $35.00
Stop Payment $35.00
Image Check Copy $2.00
Money Market Checking Fees (Min. opening deposit $5,000)
Statement Fee per cycle (mailed) $1.00
Checks Varies
NSF $35.00
Stop Payment $35.00
Image Check Copy $2.00
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 $12.00
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 $2.00
Loan Fees
Late Fee - Consumer Loan $15.00
Late Fee - Mortgage Loan $50.00
Loan Application Fee $15.00
Mortgage Payoff Request $25.00
Visa Credit Card Application Fee $15.00
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 $10.00
Account: Inactive - Annual $25.00
Account Reconciliation - Per Hour $25.00
Account Research - Per Hour $25.00
Bag - Locking $25.00
Bag - Zippered $5.00
Bag - Locking - Key Replacement $10.00
Fax Transmission - Per Page $1.00
Garnishment/Levy $75.00
Loose Coin 5% face
Money Order (MoneyGram) $1.50
Official Credit Union Check $3.00
Notary N/C
On Line Banking/Bill Pay/eStatements N/C
Returned Deposit - Per Item $10.00
Returned Mail $7.00
Statement Print Out $2.00
Verification of Deposit - Loan Account $10.00
Wire Transfer - Domestic - In/Out $25.00
Wire Transfer - International - Out $45.00
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