Rates and Fees

Share / Savings Rates

Rates effective as 7/1/2022 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) 0.20% 0.20%
Money Market ($10,000 - $24,999) 0.20% 0.20%
Money Market ($25,000 - $49,999) 0.25% 0.25%
Money Market ($50,000 - $99,999) 0.25% 0.25%
Money Market ($100,000 & Over) 0.30% 0.30%
     
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%
15 month (minimum $1,000) *CD Special - Limited Time Offer* 2.40% 2.42%
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.

 

Loan Rates

Rates effective 07/13/2022 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 2018 or newer 36 months as low as 2.99% $29.15
  48 months as low as 2.99% $22.19
  60 months as low as 2.99% $18.01
  72 months as low as 3.24% $15.35
Vehicles 2013 to 2017 36 months as low as 4.20% $29.61
  48 months as low as 4.70% $22.89
  60 months as low as 5.20% $18.96
Vehicles 2012 and older 36 months as low as 6.20% $30.51
       
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 Loan 48 months as low as 9.90% $25.32
Personal 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 6.25% $7.91
80% to 90% Loan to Value 180 months as low as 7.25% $7.91

 

Fee Schedule

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