Rates and Fees

Share / Savings Rates

Rates effective as 12/14/2022 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%
12 month (minimum $1,000) *CD Special - Limited Time Offer* 4.44% 4.51%
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 1/1/2023 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 4.74% $29.97
  48 months as low as 4.74% $23.01
  60 months as low as 4.74% $18.83
  72 months as low as 4.99% $16.17
Vehicles 2014 to 2018 36 months as low as 4.95% $30.07
  48 months as low as 5.45% $23.34
  60 months as low as 5.95% $19.41
Vehicles 2013 and older 36 months as low as 6.95% $31.03
       
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 7.50% $9.33
80% to 90% Loan to Value 180 months as low as 8.50% $9.92

 

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