Rates & Fees

SHARE DIVIDENDS
EFFECTIVE: SEPTEMBER 1, 2017
                                                                                                                                                          DIVIDEND             APY
                                                                                                                                                              RATE
SHARES                                                                                                                                           
$100.01 - $10,000.00                                                                                                                           0.10%                0.10%
$10,000.01 AND UP                                                                                                                             0.05%                0.05%

KID CUB CLUB (CHILD’S SHARE ACCOUNT) BIRTH – 18 YEARS OLD     
$100.01 - $10,000.00                                                                                                                           0.10%                0.10%
$10,000.01 AND UP                                                                                                                             0.05%                0.05%
____________________________________________________________________________________________________
CLUB ACCOUNTS                                                                             
 
CHRISTMAS CLUB                                                                                                                                                
.01 - $10,000.00                                                                                                                                   0.10%               0.10%  
$10,000.01 AND UP                                                                                                                             0.05%               0.05%
 
VACATION CLUB                                                                                                                                                  
.01 - $10,000.00                                                                                                                                   0.10%               0.10%
$10,000.01 AND UP                                                                                                                             0.05%               0.05%
 ___________________________________________________________________________________________________                                 
 
IRA                                                                                                                                                                   
IRA SAVINGS                                                                                                                                      0.50%               0.50%
____________________________________________________________________________________________________                                               
 
SHARE CERTIFICATES (MINIMUM DEPOSIT OF $500.00)                                                                        
 
 6              MONTHS                                                                                                                            0.10%               0.10%   
12             MONTHS                                                                                                                            0.10%               0.10%
18             MONTHS                                                                                                                            0.10%               0.10%
24             MONTHS                                                                                                                            0.10%               0.10%
36             MONTHS                                                                                                                            0.10%               0.10%   
 
ALL SHARE ACCOUNT DIVIDENDS ARE PAID QUARTERLY ON THE AVERAGE DAILY BALANCE
ALL ACCOUNTS MUST BE OPENED AT THE END OF THE DIVIDEND CALCULATION PERIOD IN ORDER TO EARN A DIVIDEND.  RATES ARE SUBJECT TO CHANGE
.

                               
 

LOAN RATES
EFFECTIVE: SEPTEMBER 1, 2017
 
NEW AUTO LOANS                     *RISK BASE LENDING APPLIES   
2016-2017 CURRENT YEAR: UNTITLED 10,000 OR LESS
 
TERMS                                                                                                                                                                                           APR
48 MONTHS                                                                                                                                             AS LOW AS                 1.49%
 
60 MONTHS                                                                                                                                             AS LOW AS                 1.99%
 
72 MONTHS                                                                                                                                             AS LOW AS                 2.99%
(GREATER THAN $20,000.00)
 
84 MONTHS                                                                                                                                             AS LOW AS                 4.49%
(GREATER THAN $25,000, MUST QUALIFY)
___________________________________________________________________________________________________________________________________________________________________________________________
USED VEHICLES
                                                                                                                                                                       
2010-2015
TERMS                                                                                                                                                                                           APR
48 MONTHS                                                                                                                                             AS LOW AS                 1.99%
 
60 MONTHS                                                                                                                                             AS LOW AS                  2.99%
 
72 MONTHS                                                                                                                                             AS LOW AS                  3.99%
(GREATER THAN $20,000.00)                   
************************************************************************************************************************************************
2009-OLDER
TERMS                                                                                                                                                                                            APR
48 MONTHS                                                                                                                                             AS LOW AS                  4.95%
 
60 MONTHS                                                                                                                                            AS LOW AS                   5.49%
________________________________________________________________________________________________________________________________________________________________________________________
NEW MOTORCYCLE
 
2016-2017
TERMS                                                                                                                                                                                            APR
48 MONTHS                                                                                                                                            AS LOW AS                   2.75%
 
60 MONTHS                                                                                                                                           AS LOW AS                   3.25%  
_________________________________________________________________________________________________________________________________________________________________________________________
USED MOTORCYCLE
 
2015 – OLDER
TERMS                                                                                                                                                                                           APR
48 MONTHS                                                                                                                                           AS LOW AS                   3.25%
 
60 MONTHS                                                                                                                                           AS LOW AS                   3.75%
_________________________________________________________________________________________________________________________________________________________________________________________
NEW ATV/MOTOR BIKE (2016-2017)
TERMS                                                                                                                                                                                           APR
UP TO 60 MONTHS                                                                                                                               AS LOW AS                   4.95%
 
USED ATV/MOTOR BIKE (2015-OLDER)
TERMS                                                                                                                                                                                           APR
UP TO 60 MONTHS                                                                                                                               AS LOW AS                   5.25%
USED ATV/MOTOR BIKE (NO TITLE)
TERMS                                                                                                                                                                                          APR
36 MONTHS                                                                                                                                           AS LOW AS                  5.95%
 
_________________________________________________________________________________________________________________________________________________________________________________________
NEW BOAT/TRAILER/RV’S
 
TERMS                                                                                                                                                                                          APR
UP TO 60 MONTHS                                                                                                                              AS LOW AS                   4.95%
_________________________________________________________________________________________________________________________________________________________________________________________
USED BOAT/TRAILER/RV’S
 
TERMS                                                                                                                                                                                          APR
UP TO 60 MONTHS                                                                                                                              AS LOW AS                   5.25%  
__________________________________________________________________________________________________________________________________________________________________________________________
PERSONAL LOANS ($6,000.00 MAXIMUM)                                                                
 
TERMS                                                                                                                                                                                          APR
UP TO 60 MONTHS                                                                                                                              AS LOW AS                   6.25%   
__________________________________________________________________________________________________________________________________________________________________________________________
DEBT CONSOLIDATION LOANS (UP TO $10,000.00 MUST QUALIFY)           
 
TERMS                                                                                                                                                                                          APR
UP TO 60 MONTHS                                                                                                                              AS LOW AS                   7.95%   
___________________________________________________________________________________________________________________________________________________________________________________________
VACATION LOAN ($2,500.00 MAXIMUM)
 
TERMS                                                                                                                                                                                         APR
UP TO 18 MONTHS                                                                                                                              AS LOW AS                   6.00%   
___________________________________________________________________________________________________________________________________________________________________________________________
CHRISTMAS LOAN ($2,500.00 MAXIMUM)
 
TERMS                                                                                                                                                                                          APR
UP TO 18 MONTHS                                                                                                                               AS LOW AS                  6.00%   
___________________________________________________________________________________________________________________________________________________________________________________________ 
SHARE SECURED LOAN
 
TERMS                                                                                                                                                                                          APR
UPTO 60 MONTHS                                                                                                                                AS LOW AS                  6.00%
___________________________________________________________________________________________________________________________________________________________________________________________
CERTIFICATE SECURED LOANS
 
TERMS                                                                                                                                                                                          APR
UP TO 60 MONTHS                                                                                                                               AS LOW AS                  6.00%
___________________________________________________________________________________________________________________________________________________________________________________________
VISA CREDIT CARD (NO ANNUAL FEE)                                                                                                                                   APR
CLASSIC VISA                                                                                                                                       AS LOW AS                  9.99%   
___________________________________________________________________________________________________________________________________________________________________________________________       
HOME EQUITY LOAN (MIN. $10,000.00 –MAX $50,000.00) 80% OF APPRAISED OR ASSEESSED VALUE
CLOSING COSTS PAID BY MEMBER.                                                                  
TERMS                                                                                                                                                                                          APR
60 MONTHS (5 YEARS)                                                                                                                        AS LOW AS                  3.95%

 
SOME RESTRICTIONS MAY APPLY.  ALL LOANS MUST MEET APPROVAL
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

                                                               
 


 

 

 

 

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