Rates and Fees

Share / Savings Rates

Rates effective as 12/26/2024 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)	1.25%	1.26%
1 year (minimum $1,000)	4.04%	4.10%
2 year (minimum $2,500)	3.45%	3.50%
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 1/15/2025 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 2021 or newer	36 months	as low as 5.24%	$30.21
	48 months	as low as 5.49%	$23.36
	60 months	as low as 5.74%	$19.30
	72 months	as low as 5.99%	$16.65
Vehicles 2016 to 2020	36 months	as low as 5.90%	$30.52
	48 months	as low as 6.40%	$23.79
	60 months	as low as 6.90%	$19.87
Vehicles 2015 and older	36 months	as low as 7.90%	$31.49

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 10.90%	$26.03
Overdraft Line of Credit	48 months	as low as 10.90%	$26.03

Home Equity Line of Credit
Under 80% Loan to Value	180 months	as low as 7.50%	$9.28
80% to 90% Loan to Value	180 months	as low as 8.50%	$9.85

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