Rates & Fees
Fees & Charges: Effective April 1, 2023
Subject to Credit Union's discretion
- Credit Union Checks (made out to anyone other than member purchasing): $3/each
- Money Orders: $2/each
- Overdrawn or Returned Item: $30.00/per item
- Courtesy Pay Cleared Item: $30.00/per item
- NSF Deposit: $30.00/per item
- NSF ATM/Debit Card Transaction: $30.00/per item
- NSF Share Draft: $30.00/per item
- NSF ACH: $30.00/per item
- Courtesy Pay: $30.00/per item
- Automated Overdraft Transfer from Shares: $10/per transfer
- Share Draft/ACH Stop Payment: $20.00
- ATM/Debit Card Replacement: $20.00
- Returned Mail/Bad Address Fee: $10.00/per item
- Early Account Closure Fee (<90 days): $25.00
- Dormant Account Fee (1-2 years w/o activity): $10.00/recurring each month
- Dormant Account Fee (3+ years w/o activity): $25.00/recurring each month
- Dormant Account Funds Returned to the State Fee: $30.00
- IRA Annual Fee(Applied Sept. 1st): $25.00
- Wire Transfer Fee: $20.00
- Incoming Wire Fee: $10.00
- Statement Copies: $5.00
- Copy of Cancelled Check: $5.00
- Faxes: $1.00/per page
- Copies: $0.25/per page
- Research Fee (1hr min): $20.00/per hour
- Savings Only Accounts (w/no loan or other sub accounts) below minimum balance of $50 Fee: $10.00
- Re-write loan fee: $100
Loan Rates(APRIL 2024) |
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TYPE
| TERM | less than 600 | 600-624 | 625-650 | 651-674 | 675-699 | 700-749 | 750 plus |
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New Vehicles | up to 6 years | 13.90% | 9.99% | 8.49% | 7.49% | 6.75% | 5.49% | 4.25%
|
| up to 5 years | 12.90% | 8.99% | 7.99% | 7.25% | | 5.25% | 3.99% |
| up to 4 years | | | | | | 4.99% | 3.75% |
| up to 3 years | | | | | | 4.99% | 3.49% |
Used Vehicles | up to 6 years | 14.90% | 9.99% | 8.49% | 7.75% | 6.75% | 5.75% | 5.25% |
Please contact office | up to 5 years | 13.90% | 8.99% | 7.99% | 7.49% |
| 5.49% | 4.99% |
for rates for 2017 & older | up to 4 years | | | | | | 5.25% | 4.75% |
| up to 3 years | | | | | | 4.99% | 4.49% |
Express - $7,500 | | | | 15.90% | 14.90% | 13.90% | |
|
Signature Loans | | 17.90% | 16.90% | 15.90% | 14.90% | 13.90% |
| |
Special Sig Loans | 1 year | 14.90% | 13.90% | 12.90% | 11.90% | 10.90% |
|
|
| 2 year | 15.90% | 14.90% | 13.90% | 12.90% | 11.90% | |
|
| 3 year | 16.90% | 15.90% | 14.90% | 13.90% | 12.90% | |
|
Other | | 16.90% | 15.90% | 14.90% | 13.90% | 12.90% | 11.90% | 10.90% |
Find common types of savings accounts in the first column, followed by dividend rate and APY in the following two columns
Savings Account Rates(JUNE 2023) |
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Savings | Dividend Rate | APY* |
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Common Shares (Up to $9,999.99) | 0.05% | 0.05% |
Common Shares (Up to $19,999.99) | 0.07% | 0.07% |
Common Shares ($20,000.00>) | 0.12% | 0.12% |
Special Shares (Club Accounts) | 0.05% | 0.05% |
IRA Shares | 0.20% | 0.20% |
Find the length of the certificate in the first column, followed by the minimum balance, dividend rate and APY for that certificate.
Certificate Rates(MARCH 2024) |
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Certificates | Minimum Balance | Dividend Rate | APY* |
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6 Month Certificate | $1000 | 5.25% | 5.25% |
12 Month Certificate | $1000 | 3.50% | 3.50% |
24 Month Certificate | $1000 | 4.00% | 4.00% |
| | | |
SPECIAL CD RATES: LIMITED TO FUNDS NOT ALREADY ON DEPOSIT |
Minimum Balance
| Dividend Rate | APY* |
6 Month Certificate | $1000 | 5.75% | 5.75% |
12 Month Certificate | $1000 | 4.00% | 4.00% |
24 Month Certificate | $1000 | 5.00% | 5.00% |