Rates and Fees

Share / Savings Rates

Rates effective as 3/13/19 and are subject to change
Accounts Dividend Rates Annual Percentage Yield
Shares/Savings 0.30% 0.30%
Checking 0.10% 0.10%
Holiday Savings 5.00% 5.00%
WINcentive® Savings 2.50% 2.50%
Super Star Saver Youth Savings 2.50% 2.50%
Money Market ($2,500 - $9,999) 0.40% 0.40%
Money Market ($10,000 - $24,999) 0.40% 0.40%
Money Market ($25,000 - $49,999) 0.45% 0.45%
Money Market ($50,000 & over) 0.55% 0.55%
     
Certificate of Deposits     
6 month (minimum $500) 1.30% 1.30%
1 year (minimum $1,000) 2.00% 2.00%
2 year (minimum $2,500) 2.25% 2.25%
**CD SPECIAL**   18 month (minimum $2,000) 3.00% 3.00%
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 1/1/2019 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 2016 or newer 36 months as low as 3.20% $29.17
  48 months as low as 3.20% $22.22
  60 months as low as 3.20% $18.06
  72 months as low as 3.20% $15.28
Vehicles 2013 to 2015 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 20010 to 2012 36 months as low as 5.20% $30.06
  48 months as low as 5.70% $23.35
Vehicles 2009 and older 36 months as low as 6.20% $30.51
       
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 5.50%  
80% to 90% Loan to Value 180 months as low as 6.50%  

 

Fee Schedule

Effective as of 1/1/2019
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