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Rates


  • Share Deposits
  • Certificates
  • Loans Rates
  • Credit Cards
  • Fees
Share Deposits
Rates are subject to change without notice
Account Type
Rate
Minimum Opening Deposit
Annual Percentage Yield
Regular Savings
$25 minimum
.01%
$5.00
.01%
Money Market
.05%
$2,500
.05%
Club Accounts
.01%
None
.01%
Dividends earned monthly, paid quarterly on the Average Daily Balance for savings accounts $100 min
Dividends earned daily, paid monthly on the Average Daily Balance for Money Market accounts. $2500 min 
Rates subject to change monthly.

DECLARED RATES as set by the Board of Directors for Effective May 20th 2014. 
Your savings federally insured to at least $250,000 and backed by
the NCUA. We do business in accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act.

Truth-In-Savings Disclosure

We are currently not offering New Share Certificates
Rates are subject to change daily for newly opened or renewed share certificates
DECLARED RATES as set by the Board of Directors Effective Date May 20th 2014
Account Type
$500 - $4,999
$5,000 - $9,999
$10,000-$49,999
$50,000-$100,000
3 Month
.03% APY
.03% APY
.03% APY
.03% APY
6 Month
.04% APY
.04% APY
.04% APY
.04% APY
12 Month
N/A
N/A
.06% APY
.06% APY

Dividends earned daily, paid monthly on the Average Daily Balance.

Share Certificates are subject to Penalty for Early Withdrawal, see our Truth-In-Savings Disclosure for details.



Loan Rates
Effective Date July 1st, 2014
Loan Type - Fixed
Autos Up to 90% LTV
Up To 48
Months
60
Months
72
Months
84
Months
New Autos
**(1) *
2.49%-12.49%
2.99%-12.99%
3.24%-13.24%
3.74%-13.74%
Used Autos
**  (1) *
2.49%-12.49%
2.99%-12.99%
3.24%-13.24%

3.74%-13.74%

Older Used Vehicles 70%
LTV 10 - 13 years * (1)
7.25%-17.25%
7.25%-17.25%
N/A
N/A
Loan Type - Fixed Autos
Up to 91 and up % LTV
Up To 48
Months
60
Months
72
Months

84
Months
New Auto
** (1) *
2.74%-12.74%
3.24%-13.24%
3.49%-13.49% 3.99%-13.99%
Used Auto
** (1) *
2.74%-12.74%
3.24%-13.24%
3.49%-13.49% 3.99%-13.99%
Loan Type - Fixed RV's Up To 60
Months
72
Months
84
Months
120
Months
NEW  Recreation Vehicles
** (2) *        
4.49%-14.49%
4.99%-14.99%
5.49%-15.49%
5.99%-15.99%
Used  Recreation Vehicles
** (2) *
4.99%-14.99%
5.49%-15.49%
5.99%-15.99%
6.49%-16.49%
Loan Type - Fixed
Boats
Up To 48
Months
60
Months
72
Months
84
Months
New Boats   
** (2) *
4.49%-14.49% 4.74%-14.74% 5.24%-15.24% 5.99%-15.99%  
Used Boats 
** (2) *
4.99%-14.99% 5.24%-15.24% 5.74%-15.74% 6.49%-16.49%
Loan Type - Fixed
Motorcycles
24
Months
36
Months
48
Months
60
Months
New Street Class Motorcycles (1) * 2.99%-12.99% 3.24%-13.24% 3.49%-13.49% 3.99%-13.99%
Loan Type - Fixed
24-36
Months
48
Months
60
Months
 
New Dirt Class Motorcycles,  ATV’s, and Snowmobiles         (3) * 5.99%-15.99% 6.24%-16.24% 6.49%-16.49% N/A
Loan Type
Signature Loans
12-36
Months
48
Months
60
Months
 
Signature (Fixed)
(3) *
6.99%-16.99% 7.49%-17.49% 7.99%-17.99% N/A
LOC/Overdraft  (Variable)
*** (3) *
8.99%-18.99% 8.99%-18.99% 8.99%-18.99% N/A

*Your ANNUAL PERCENTAGE RATE (APR)will be based on the borrower’s credit history and term of loan. Loan terms may vary based on the amount borrowed and collateral. Loan rates and terms are subject to credit approval and can change without notice.

**Refinance from another institution. Nine years & newer only.
*** Please refer to our LOANLINER ADDENDUM for information regarding  APR Variable Rates
(1) Minimum Monthly Payment    $150.00
(2) Minimum Monthly Payment    $175.00           
(3) Minimum Monthly Payment      $75.00

LATE CHARGE
If you are more than 10 days late in making a payment, a late fee will be assessed.  You will pay a late charge on Secured Loans of 10% or $25.00 whichever is greater. You will pay a late charge on Signature Loans of 12% or $25.00 whichever is greater.

COLLECTION COSTS
You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.
PRE-APPROVAL OR VEHICLE ORDERS
Pre-approvals have 30 days from date of loan approval to receive stated rates.  Vehicle orders have 60 days from date of loan approval to receive stated rates, otherwise our current rates as declared by the Board of Directors shall be used to fund loan. 

Your savings federally insured to at least $250,000 and backed by
the NCUA. We do business in accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act.

Truth-In-Savings Disclosure
H.E.L.O.C Early Disclosure & Important Terms
Visa Cards
Loan Type
APR as low as
Condition
Classic Visa®
9.90%
Up to $5,000 Visa®


 


Schedule of Fees
Effective Date February 19th, 2013
Schedule Of Fees


General Services

Money Orders ($1,000 Max.)..........................................$5.00
Verification of Deposit..................................................$15.00
Wire Transfers
Incoming ....................................................................$20.00
Outgoing ....................................................................$30.00
FAX Per Page
Incoming......................................................................$1.00
Outgoing ($.50 ea. extra pg.).........................................$3.00

Sponsor check cashing
for nonmember...........................................................$10.00

3rd Party Collection
Monthly payment process fee……................................$30.00

Attachment/Levy against
member's account.......................................................$50.00
Foreign Check Collection fee….…...................$15.00 to $25.00

Inactive/Dormant Account:
Notification to member of account status........................$5.00
Assessed after no activity for 1 year.
Escheating to State ......................................................$2.00
Assessed when total account balances under one member account number are over $50.00 with no activity for 3 years.
Address Correction Service............................................$8.00
Bad Address (Monthly Fee)............................................$5.00

Account Research
By MSR in person or phone ............................................$5.00
Automated ....................................................................N/C
Microfiche..................................................................$50.00
Telephone account transfers by MSR..............................$1.00

CU Checks Issue to Third Party
(not Visa or Loans).......................................................$5.00
Copies of statements
(per month or quarter history)...................................... $5.00

Copies of Statements
Micro Fiche.................................................................$10.00
Electronic Statements………….……………..................…..Free
Returned Deposit Item ................................................$10.00
From self to self (different bank)……..…………...............$20.00

Stop Payment of CU
Corporate Check.........................................................$27.00
Photocopy of Paid CU Check..........................................$3.00
Base Share balance below $25.00 .................................$5.00
(Monthly fee)
Coin Counter over $50.00 ………………...............…5% of total

Share Savings Accounts
New Member Account Fee........................................ $5.00 *1
Early Closure (within 120 days)...................................$20.00
Reopen Account (with in 6 mos.).................................$20.00

Account Closed by CU
Due to MISUSE or ABUSE ............................................$25.00
Manual Overdraft Transfer
(Reg D Exceeded) ......................................................$27.00
Manual Transfer by phone request
(Reg D Exceeded) ........................................................$5.00
Manual Transfer in person ...............................................N/C
Account Reconciliation (Research
& Balancing) per hr (Min-1 hr) ....................................$25.00

Share Draft Checking Accounts
Courtesy Pay Fee (Negative balance)
(per item)…..............................................................$27.00
NSF Return item (per Item)………………................……$27.00
Temporary checks (first 12 for new acct)........................ N/C
additional $.25 each (min 4 checks)..............................$1.00
(does not apply to New Accts)

Stop Payments
(Single item or range)................................................$27.00
Copies of Paid Drafts....................................................$3.00
Personal Check Orders....Fee varies depending on style *2

 Account Closed by CU
Due to MISUSE or ABUSE .............................................$25.00
Account Reconciliation (Research
& Balancing) per hr. (Min-1 hr.) ...................................$25.00
Overdraft Privilege Collection Fee……...................…....$15.00

VISA ATM/Check Card
Courtesy Pay Fee (Negative balance)
 (per Item)…..............................................................$27.00
NSF Return item (per Item)…………..................…………$27.00
Replacement Card ......................................................$10.00
New PIN ......................................................................$2.00
Point of Sale Usage for purchases (POS)…........................N/C
ATM-Cash Withdrawals...................................................N/C

Other ATM Locations         
First 5............................................................................N/C
Additional Withdrawals ................................................$1.50

VISA
Annual Fee ....................................................................N/C
Late Fee (The greater of)
5 days late .........................................................3% or $7.00
10days late ......................................................3% or $10.00
15 days late......................................................3% or $15.00
Over limit Fee .............................................................$25.00
Returned Payment Items .............................................$25.00

Loans
Credit Report Fee ........................................................$25.00
Late Charge (after 10 days)
Secured (the greater of).................................. 10% or $25.00
Signature Loans (the greater of)...................... 12% or $25.00
HELOC (the greater of)....................................15% or $50.00
PC Car book/Kelley Blue Book ........................................N/C
Collateral Insurance Add on.........................................$35.00
Electric Title Fee (DMV paperwork) ...................$10.00-$15.00
Returned Payment items………………….................…….$25.00
 
*1 Fees waived for members under 18 and for members who are 60 and over

*2 Fee waived for members 60 and older


 



Home Equity
Home Equity Loan Rates as of November 1st, 2012
Rates are subject to change without notice
Loan Type
*APR
Repayment Terms
Variable Adjustment
Home Equity L.O.C.(64)
4.25%
60 Month draw period followed by 180 months repayment period
Monthly
*Your ANNUAL PERCENTAGE RATE (APR) may vary depending on the monthly average of the Six Month Treasury Bill Rate
Schedule Of Fees


Effective May 1, 2012

General Services

Money Orders ($1,000 Max.)................................$5.00
Verification of Deposit........................................$15.00

Wire Transfers
Incoming ..........................................................$20.00
Outgoing ..........................................................$30.00
FAX Per Page
lncoming............................................................$1.00
Outgoing ($.50 ea. extra pg.)...............................$3.00

Sponsor check cashing
for nonmember..................................................$10.00
3rd party collection (set-up fee)..........................$50.00
monthly payment process fee.............................$20.00
Attachment/Levy against
member's account.............................................$50.00
Foreign Check Collection fee….….........$15.00 to $25.00
Inactive/Dormant Account:
Notification to member of account status. .............$5.00
Assessed after no activity for 1 year.
Escheating to State .............................................$2.00
Assessed when total account balances under one member account number are over $50.00 with no activity for 3 years.
Address Correction Service...................................$8.00
Bad Address (Monthly Fee)...................................$5.00
Account Research:
By MSR in person or phone ...................................$5.00
Automated ..........................................................N/C
Microfiche.........................................................$20.00
Telephone account transfers by MSR.....................$1.00

Share & Share Draft Checking Accounts
New Member Account Fee................................... $5.00
Early Closure (within 120 days)..........................$20.00
Reopen Account (with in 6 mos.)........................$20.00
CU Checks Issue to Third Party
(not Visa or Loans).............................................$5.00

Copies of statements
(per month or quarter history)............................ $5.00
Copies of Statements
Micro Fiche.......................................................$10.00
Electronic Statements-------------------------------Free
Returned Deposit Item ......................................$10.00
From self to self (diff. bank)……………......…..…..$20.00
Stop Payment of CU
Corporate Check...............................................$25.00
Photocopy of Paid CU Check................................$3.00
Base Share balance below $25.00 .......................$5.00
(monthly fee)
Non-Sufficient Funds Charge/Neg Bal…….....…..$25.00
Temporary checks (first 12 for new acct).............. N/C
additional $.25 each (min 4 checks)....................$1.00
(does not apply to New Accts)

Stop Payments
(Single item or range).......................................$25.00
Copies of Paid Drafts..........................................$3.00
Personal Check Orders.. .Fee varies depending on style
Account Closed by CU
Due to MISUSE or ABUSE ..................................$25.00
Manual Overdraft Transfer
(Reg D Exceeded) ...........................................$25.00
Manual Transfer by phone request
(Reg D Exceeded) .............................................$2.00
Manual Transfer in person ....................................N/C
Account Reconciliation (Research
&Balancing) per hr (Min-1 hr) ...........................$25.00
Overdraft Privilege Collection Fee .....................$15.00
VISA ATM/Check Card
Non Sufficient Funds Charge /Neg Bal................$25.00
Replacement Card ...........................................$10.00
New PIN ............................................................$2.00
Point of Sale Usage for purchases (POS)................N/C
ATM-Cash Withdrawls..........................................N/C
Other ATM Locations                 
First 5.................................................................N/C
Additional Withdrawls ........................................$1.50

VISA
Annual Fee .........................................................N/C
Late Fee (The greater of)
5 days late ..............................................3% or $7.00
10days late ............................................3% or $10.00
15 days late............................................3% or $15.00
Over limit Fee ..................................................$25.00
Returned Payment Items ..................................$25.00

Loans
Credit Report Fee ..............................................$25.00
Late Charge (after 10 days)
Secured (the greater of)......................... 10% or $25.00
Signature Loans (the greater of)............. 12% or $25.00
HELOC (the greater of)...........................15% or $50.00
PC Carbook/Kelley Blue Book ...............................N/C
Collateral Insurance Add on...............................$35.00
Processing Fee (DMV paperwork) ......................$35.00
Returned Payment items………………....………….$25.00
Skip a Pay fee……………………………….......……..$25.00


 

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