Rates and Fees

Share / Savings Rates

Rates effective as 6/25/2018 and are subject to change
Accounts Dividend Rates Annual Percentage Yield
Shares/Savings 0.20% 0.20%
Checking 0.10% 0.10%
Holiday Savings 3.00% 3.00%
WINcentive® Savings 1.50% 1.50%
Super Star Saver Youth Savings 1.25% 1.25%
Money Market ($2,500 - $9,999) 0.30% 0.30%
Money Market ($10,000 - $24,999) 0.35% 0.35%
Money Market ($25,000 & over) 0.45% 0.45%
     
Certificate of Deposits     
6 month (minimum $500) 1.00% 1.00%
1 year (minimum $1,000) 1.50% 1.50%
2 year (minimum $2,500) 1.75% 1.75%
**CD SPECIAL**   18 month (minimum $2,000) 2.25% 2.25%
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 6/25/2018 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 2015 or newer 36 months as low as 2.95% $29.07
  48 months as low as 2.95% $22.12
  60 months as low as 2.95% $17.95
  72 months as low as 2.95% $15.18
Vehicles 2012 to 2014 36 months as low as 3.95% $29.51
  48 months as low as 4.45% $22.79
  60 months as low as 4.95% $18.86
Vehicles 2009 to 2011 36 months as low as 4.95% $29.96
  48 months as low as 5.45% $23.24
Vehicles 2008 and older 36 months as low as 5.95% $30.41
       
Other Loans      
Boats, ATVs and Snowmobiles max 60 months Add 1% to Vehicle Rates  
Classic Cars, RVs and Large Boats max 60 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%  
Personal Line of Credit 48 months as low as 9.90%  
Overdraft Line of Credit 48 months as low as 9.90%  
       
Home Equity Line of Credit      
Under 80% Loan to Value 180 months as low as 5.00%  
80% to 90% Loan to Value 180 months as low as 6.00%  
90% to 100% Loan to Value 180 months as low as 7.00%  

 

Fee Schedule

Effective as of 1/1/2018
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)
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 Account Fee $5
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