Rates & Fees

NOTICE OF CHANGES
IN TEMPORARY
NCUA INSURANCE COVERAGE FOR
TRANSACTION ACCOUNTS

ALL FUNDS IN A "NON-INTEREST BEARING TRANSACTION ACCOUNT" ARE INSURED IN
FULL BY THE NATIONAL CREDIT UNION ADMINISTRATION THROUGH DECEMBER
31, 2012. THIS TEMPORARY UNLIMITED COVERAGE IS IN ADDITION TO, AND SEPARATE
FROM, THE COVERAGE OF AT LEAST $250,000 AVAILABLE TO MEMBERS UNDER THE
NCUA'S GENERAL SHARE INSURANCE RULES.

FOR MORE INFORMATION ON DEPOSIT INSURANCE, GO TO WWW.NCUA.GOV

Rates as of July 1, 2014

DIVIDEND RATES* APR** APY***
Regular Shares $100.01 and above 0.25% 0.25%
     
Christmas Club 0.25% 0.25%
Vacation Club 0.25% 0.25%
CUB Cub Club 0.25% 0.25%
IRA Savings 1.00% 1.00%
CD -   6 months 0.50% 0.50%
CD - 12 months  [Eligible for One-Time Bump-Up] 0.60% 0.60%
CD - 18 months  [Eligible for One-Time Bump-Up] 0.70% 0.70%
CD - 24 months  [Eligible for One-Time Bump-Up] 0.80% 0.80%
CD - 36 months  [Eligible for One-Time Bump-Up] 0.90% 0.90%

*Dividends will be paid on balances over $100.00  Share Certificates must be a minimum deposit of $500.00.  One time Bump Up option (12-36 mo) during dividend period.

*All Shares Account dividends are paid quarterly on the average daily balance. All Accounts must be open at the end of the dividend calculation period in order to earn a dividend.  Rates are subject to change.

**APR=Annual Percentage Rate   ***APY=Annual Percentage Yield

 

LOAN RATES* APR as low as
Personal Loans
Maximum amount of $6,000.00 per member up to
60 months. Up to $10,000.00--must qualify, and some restrictions may apply.
(Risk Based Lending applies.)




Vacation  Loan
Maxium amount of $2,500.00  term up to 18 Months            

Christmas Loan
Maxium amount of $2,500.00 term up to 18 Months              
 
60 months 9.99%
 
 
18 months

18 months
6.00%

6.00%
 
Home Equity Loans
1st or 2nd lien
(Minimum $10,000.00 - Maximum $50,000.00)
Must be no more than 80% of appraised or assessed value. (Total of all liens.) This may include value with planned improvements. Member pays closing costs.
60 months 3.95%
120 months 4.75%
180 months 5.25%
 
New Auto Loans
2016 and 2017 Current model year (untitled)
(72 months or longer must be > $20,000.00)
GAP Plus Insurance is available.
36 months 2.99%
48 months 2.99%
60 months 2.99%
72 months 2.99%
84 months* 4.49%
 
Used Auto Loans
2010-2015 Used Vehicles
GAP Plus Insurance is available.
36 months 3.99%
48 months 3.99%
60 months 3.99%
72 months 4.49%
2009 and older Used Vehicles
GAP Plus Insurance is available.
36 months 4.95%
48 months 4.95%
60 months 5.49%
 
Other  Loans
New & Used Motorcycles, RVs, Boats up to 60 months 4.95-5.25%
4-Wheelers, Motorcycles, etc w/o title up to 60 months 5.95%
Share Secured Loans up to 60 months 6.00%
Certificate Secured Loans up to 60 months 6.00%
VISA Classic Credit Card (no annual fee)   9.99%

*Risk Based Lending applies.  Some restrictions may apply. All loan applicants must meet approval.

 

Fees are assessed to offset expenses, and are established and reviewed by your Credit Union Board of Directors.

Fees effective September 1, 2015

FEES


NSF Share Draft per item/Paid or Returned
NSF ACH per item/Paid or Returned
NSF Debit Card per item/Paid or Returned

$30.00
$30.00
$30.00


Overdraft Protection Transfer
Returned Deposit Item
ACH/Share Draft Stop Payment per item
Christmas Club Early Withdraw

 

$5.00
$30.00
$10.00
$5.00

Official Check
Bill Pay (1st month free)

 

$1.00
$5.00
 
Account Reconciliation ( per 1/2 hour)
Account Research (per 1/2 hour)
$10.00
$10.00
Statement Copy
Account Activity Printout
Photocopy (per page)
Outgoing Fax

 

$2.00
$1.00
$0.15
$1.00

 

Return Mail (bad address)
Dormant Fee (after no activity for 2 years) per month
Share Draft Stop Payment fee

 

 


$5.00
$10.00
$10.00


 

Notary Fee (Member no charge)

$4.00

Garnishment Fee

$25.00

Tax Levy Fee

$25.00
 
Visa Credit Card Replacement
Visa Credit Card Late Fee
Visa Credit Card Over Limit
$10.00
$20.00
$25.00


VISA Debit Card Replacement
VISA Debit Card PIN Reissue
Visa Debit Card Rush Order
Visa Debit Card Pulled/Mail Request 

 

$10.00
$5.00
$30.00
$10.00

Wire-Outgoing
Wire-Outgoing (Credit Union to Credit Union)

$30.00
$10.00