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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

Loan Rates

(FEBRUARY 2023)

TYPE
TERMless than 600600-624625-650651-674675-699700-749750 plus
New Vehicles

up to 6 years

13.90%9.99%8.49%7.49%6.75%5.75%5.25%
 up to 5 years12.90%8.99%7.99%7.25%5.49%4.99%
up to 4 years     5.25%

4.75%

up to 3 years     4.99%4.49%
Used Vehiclesup to 6 years14.90%9.99%8.49%7.75%6.75%5.75%5.25%
Please contact officeup to 5 years13.90%8.99%7.99%7.49%
5.49%4.99%
for rates for 2017 & olderup 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 Loans1 year14.90%13.90%12.90%11.90%10.90%

 2 year15.90%14.90%13.90%12.90%11.90%


 3 year16.90%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)

SavingsDividend RateAPY*
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 Shares0.20%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

(JUNE 2023)

CertificatesMinimum BalanceDividend RateAPY*
6 Month Certificate$10002.00%2.00%
12 Month Certificate$10003.50%3.50%
24 Month Certificate$10004.00%4.00%
    

SPECIAL CD RATES:

LIMITED TO FUNDS NOT ALREADY ON DEPOSIT

 

Minimum Balance

 

Dividend Rate

 

APY*

6 Month Certificate $1000 3.00%
 3.00%
12 Month Certificate $1000 4.00% 4.00%
24 Month Certificate $1000 5.00% 5.00%