Rates and Fees

Share / Savings Rates

Rates effective as 8/10/2023 and are subject to change
Accounts	Dividend Rates	Annual Percentage Yield
Shares/Savings	0.15%	0.15%
Checking	0.05%	0.05%
Holiday Savings (max $300 deposit per month)	5.00%	5.00%
WINcentive® Savings (max $500 deposit per month)	1.75%	1.75%
Super Saver Youth Savings (Must be under 18 years old)	2.25%	2.25%
Money Market ($2,500 - $9,999)	0.30%	0.30%
Money Market ($10,000 - $24,999)	0.30%	0.30%
Money Market ($25,000 - $49,999)	0.35%	0.35%
Money Market ($50,000 - $99,999)	0.35%	0.35%
Money Market ($100,000 & Over)	0.40%	0.40%

Certificate of Deposits
6 month (minimum $500)	0.95%	0.95%
1 year (minimum $1,000)	1.35%	1.36%
2 year (minimum $2,500)	1.50%	1.51%
13 month (minimum $1,000) CD Special - Limited Time Offer	5.20%	5.31%
NOTE: Early withdrawal from certificates will be subject to a 90-day dividend penalty

Individual Retirement Accounts
Traditional and Roth IRA	0.40%	0.40%

Members should call the credit union to verify rates and to find out if there are any fees on these accounts that could reduce your earnings.

Rates effective 5/10/2023 and are subject to change Annual Percentage Rates include 0.50% discount for AutoPay Annual Percentage Rates are based on credit score
Vehicle Loans (includes cars, trucks, motorcycles)	Terms	Annual Percentage Rate	Payments/$1,000 borrowed
Vehicles 2019 or newer	36 months	as low as 5.49%	$30.34
	48 months	as low as 5.49%	$23.37
	60 months	as low as 5.49%	$19.19
	72 months	as low as 5.74%	$16.54
Vehicles 2014 to 2018	36 months	as low as 5.70%	$30.44
	48 months	as low as 6.20%	$23.71
	60 months	as low as 6.70%	$19.78
Vehicles 2013 and older	36 months	as low as 7.70%	$31.41

Other Loans
Boats, ATVs, Snowmobiles and Non-Motorized Campers	max 72 months	Add 1% to Vehicle Rates
Classic Cars, RVs and Large Boats	max 72 months	Call us to get a rate
Share Secured	N/A	as low as 2% over collateral; minimum 3%
Signature Line of Credit	48 months	as low as 9.90%	$25.32
Overdraft Line of Credit	48 months	as low as 9.90%	$25.32

Home Equity Line of Credit
Under 80% Loan to Value	180 months	as low as 8.50%	$9.86
80% to 90% Loan to Value	180 months	as low as 9.50%	$10.45

Effective as of 2/1/2020
Transaction	Fee Amount
ACH Transaction - One Time Transfer	$5
Returned ACH Fee	$20 (per ACH transaction)
Returned Check (Draft) Fee	$20 (per returned check, $100 per day maximum)
ATM/Debit Card Overdrawn Fee	$20 (per item, $100 per day maximum)
ATM/Debit card use Internationally	1% of total
Overdraft Transfer from Shares Fee	$3 (if more than six times in a month)
Returned Check Cash/Deposit Fee	$20 (per deposited check)
Stop Payment Fee	$20 (per request)
Card Replacement Fee	$10 (if less than six months from last issue)
Copy of Draft Fee	$3 (per copy)
Statement Copy Fee	$3 (per copy)
Returned Statement Fee	$10 for 1st occurrence $30 for 2nd occurrence $50 for each occurrence after; the fee will continue until a current address is provided via Change of Address form or online banking message
History of Account Fee	$3 (per copy)
Reconciliation Fee	$20 (per hour, one hour minimum)
Record Search Fee	$20 (per hour, one hour minimum)
Inactive/Dormant Account Fee	$10 per month if no activity for 2 years and has less than $100
Levy Fee	$25 (per order)
Garnishment Fee	$2 (per order)
Wire Transfer Fee	$15 (out-going domestic wire)
Notary Fee	Free for members
Subordination Agreement	$29