Current Rates and Fee Schedule

Rates and Fees As Of



Loan Rates | Share Rates | Share Certificates | Fee Schedule




Loan Rates

Annual Percentage Rate
Signature 9% APR - 18% APR
New Vehicles 3.9% APR - 7.9% APR
Used Vehicles 4.9% APR - 8.9% APR
Mobile Homes 12% APR - 15% APR
Recreational Vehicles 7% APR - 11% APR
Overdraft Protection 15% APR

Visa Credit Card

11.25% APR variable

Secured Visa Credit Card 17% APR
Real Estate/
Unimproved Land
8% APR - 10% APR
Construction 4.5% APR
Home Equity Fixed Rate 6.99% APR - 10% APR
Home Equity Line of Credit 5.75% APR - 10% APR
*Prime rate published in Wall Street Journal.
Rates are subject to change without notice.

Lowest rates are for qualified borrowers. Add 2% for moderate risk; add 4% for high risk.



Share Rates


Interest payments are called dividends. APY is annual percentage yield. Rates can be changed without notice by the Board of Directors. Dividends are earned from the day of deposit to the day of withdrawal, if the account is above the minimum balance in the "range" column below. They are calculated on the daily balance and deposited to the account on the last day of each month.

Type
Range
Dividend
Rate
Annual
Percentage
Yield
Regular Shares and Non Person Shares $200 to 9,999 .05% .05%
$10,000 and over .05% .05%
IRA (Deferred tax savings) $200 and over .25% .25%
Looney Tunes Shares $5 and over .05% .05%
All Other Shares (Includes Christmas Club, Insurance, Aegon, Escrow and Vacation Club Shares) $200 and over .05% .05%
Rates are subject to change without notice.
Fees could reduce the earnings on the account.




Share Certificates/IRA Certificates


Minimum
Term
Rate
Annual
Percentage
Yield
$2,000 12 months .10% .10%
$2,000 24 months .25% .25%
$2,000 36 months .50% .50%
Certificates are offered for IRA and regular shares and have an early withdrawal penalty of three months dividends.

 


Fee Schedule


Membership Fee (ages 18-64) $5.00
Administrative Fee to reopen NSF account
$15.00
Computer archived copy of statement, receipt or cashier's check $2.00
Physically archived copy of statement, receipt or cashier's check $5.00
Cashier's check to 3rd party -- free 2 checks per day: add'l checks $1.00
NSF/Overdraft Advance -- insufficient funds for check or electronic debit $30.00
Third party check returned for insufficient funds $15.00
Stop payment on Credit Union cashier's check - after 90 days $10.00
Outgoing domestic wire transfer $15.00
Outgoing international wire transfer: $35</=$500, $25>$500 plus 2% of wire amt $35.00
Special handling fee -- quarterly fee for returned statements with no forwarding address & no activity during the quarter $10.00
Incorrect address fee -- taken once a year $5.00

Excess withdrawal fee (over 3 withdrawals per month)
(4 ATM withdrawals + 3 equals 7 withdrawals per mo.) unless full direct deposit then unlimited withdrawals

$5.00
Dormant fees on balances less than or equal to $200
$10.00
Early withdrawal from Christmas Club -- multiple withdrawals allowed $10.00
Loan application fee -- other than real estate & mobile homes $10.00
Loan application fee -- real estate & mobile homes $50.00
Skip-a-payment coupon $20.00
Long Distance Fax for Member: $2.50 for 1st page then $1.00 each additional $2.50
   
Credit card fees
Secured - application fee $10.00
Secured - annual fee $25.00
Card replacement $20.00
Pin reissue $5.00
Late fee $25.00
Share Draft fees (Checking Accounts)
Monthly service fee -- except those qualifying by age/direct deposit...... $5.00
NSF/overdraft advance fee $30.00
Stop payment - charged at origination $15.00
Automatic transfers >6 per month $10.00
Reconciling account: 1st month free then per month reconciled $25.00
Business accounts: up to 10 checks deposited per month $5.00
........11-50 checks deposited per month $15.00
........51-250 checks deposited per month $25.00
ATM Fees
Inquiries -- 12 free per month $1.00
Withdrawals -- 4 free per month $1.00
Denials $2.00
NSF fee (if member has opted in) $30.00
Reopen existing ATM/Debit card closed due to NSF activity $5.00
Reactivate ATM/Debit card due to NSF activity or delinquent loan $3.00
ATM/debit card replacement (unless damaged and card is turned in) $20.00
Pin reissue $5.00





 


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