Current Rates and Fee Schedule

Rates As Of



Loan Rates | Share Rates | Share Certificate Rates | Fee Schedule

Loan Payment Calculator



Loan Rates

Annual Percentage Rate
Signature 9% APR - 18% APR
New Vehicles 5.75% APR - 13% APR
Used Vehicles 6.75% APR - 14% APR
Mobile Homes 12% APR - 15% APR
Recreational Vehicles 7% APR - 11% APR
Overdraft Protection 15% APR
Visa Credit Card 10.9% APR
Real Estate/
Unimproved Land
8% APR - 10% APR
Home Equity Fixed Rate 6.49% 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 .25% .25%
$10,000 and over .25% .25%
IRA (Deferred tax savings) $200 and over 2.50% 2.53%
Looney Tunes Shares $5 and over .25% .25%
All Other Shares (Includes Christmas Club, Insurance, Aegon, Escrow and Vacation Club Shares) $200 and over .25% .25%
Rates are subject to change without notice.
Fees could reduce the earnings on the account.




Share Certificates/IRA Certificates
Rates as of April 6, 2009

Minimum
Term
Rate Yield Withdrawal Penalty
$2,000 6 months 1.00% 1.01% 3 months interest 
$2,000 9 months 1.25% 1.26% 3 months interest 
$2,000 12 months 1.50% 1.51% 3 months interest 
$2,000 18 months 1.50% 1.51% 3 months interest 
$2,000 24 months 1.75% 1.76% 3 months interest 
$2,000 30 months 2.00% 2.02% 3 months interest 
$2,000 36 months 2.25% 2.27% 3 months interest 
$50,000 12 months 1.00% 1.01% No penalty


Market Index Certificate
$2,000 -- 3 or 5 years

Offering the potential for stock-market type returns, without risking the principal investment. Guaranteed rate of return of about 1% per year, no early withdrawal. Based on Dow Jones Industrial Average.




Fee Schedule

Membership Fee
$5.00
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 $10.00
Outgoing domestic wire transfer $15.00
Outgoing international wire transfer $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 account fee -- if balance is $200 with no activity for a year
$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 $10.00
Credit card fees
Over the limit fee $25.00
Late fee $25.00
Share Draft fees (Checking Accounts)
Check copy -- on system $2.00
........archived $5.00
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 $30.00
Card replacement $10.00
Pin reissue $5.00





 


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