Rates as of 10/23/2024
| Account type | APR* | APY** |
| Savings accounts | 0.10% | 0.11% |
| Christmas clubs | 0.10% | 0.11% |
| Vacation clubs | 0.10% | 0.11% |
| Term | APR* | APY** |
| 6 months | 0.50% | 0.50% |
| 12 months | 1.00% | 1.00% |
| Amount | Term | APR* |
| $5,000 and over | 12 months | 1.50% |
| Loan type | Term | Rate |
|
New auto
Up to $40,000.00 Max Up to 100% financing including taxes and registration |
24 months | 4.75% |
| - | 36 months | 4.95% |
| - | 48 months | 5.45% |
| - | 60 months | 6.00% |
| - | 72 months*** | 7.50% |
|
Used auto
Up to $40,000.00 Max Up to 100% financing including taxes and registration |
24 months | 5.50% |
| - | 36 months | 6.00% |
| - | 48 months | 6.50% |
| - | 60 months**** | 7.00% |
|
Personal Loan
Up to $8,000.00 Max |
12 months | 8.75% |
| - | 24 months | 10.25% |
| - | 36 months | 12.50% |
| - | 48 months | 13.25% |
|
Education Loan(rates fixed)
Borrower must be member Proof of enrollment/invoice Students must be enrolled in an accredited institution |
12 months | 4.00% |
| 24 months | 4.75% | |
| 36 months | 5.50% | |
| 48 months | 5.90% | |
| 60 months | 6.25% |
Share secured loans also available. Contact the credit union office about rates on share secured loans.
* APR = annual percentage rate
** APY = annual percentage yield
*** 72 month financing available for vehicles at least $30,000.00
**** 60 month financing available for vehicles 2014 or newer with over $15,000.00 financed
| Share account fees | |
| Excessive withdrawal fees | $3.50 per withdrawal after six withdrawals per quarter |
| Copy of official check issued by the Credit Union | $5.00 each |
| Statement copy fee | $2.00 for each month |
| Christmas Club | $35.00 early withdrawal account closed fee |
| Vacation Club | $35.00 early withdrawal account closed fee |
| Stop payment | $40.00 |
| Share draft account fees | |
| Overdraft transfer fee | $25.00 per item |
| Returned item fee | $35.00 per item |
| Stop payment fee | $35.00 per request |
| Share draft printing fee | Prices may vary depending upon style |
| Copy of paid draft fee | $5.00 per copy |
| Statement copy fee | $2.00 |
| Electronic funds transfer fees | |
| Debt withdrawal fee | $1.25 per withdrawal |
| Overdraft debit transaction fee | $25.00 per item |
| Returned ACH | $35.00 per item |
| Debit card reorder | $5.00 per card |
| PIN reorder | $5.00 per number |
| Share value | |
| Per value of one share | $50.00 |
| Other services fee (applicable to all accounts) | |
| Deposited item return fee | $35.00 per item |
| Account research fee | $20.00 per hour, minimum charge $20.00 |
| Dormant account fee | $10.00 per month after 12 months of inactivity |
| Closed accounts | $35.00 if account is closed within one year of opening |
| Payment booklet | $5.00 per loan account closed fee |
| Bad address | $5.00 per return |
| Federal/state levy garnishment or judgment processing | $50.00 per item |
| Certificate | $35.00 early withdrawal plus 3 months interest |
| Transactions over reg D limit | $1.00 |
| Outgoing wire | $35.00 |
| Incoming wire | $15.00 |
| Loan payment fee | $10.00 |
The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Last Dividend Declaration Date indicated in the Truth-In-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.