Rates and Fees

Share / Savings Rates

Rates effective as 10/1/2017 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%
Money Market ($2,500 - $9,999) 0.25% 0.25%
Money Market ($10,000 - $24,999) 0.25% 0.25%
Money Market ($25,000 - $49,999) 0.30% 0.30%
Money Market ($50,000 and over) 0.35% 0.35%
     
Certificate of Deposits     
6 month (minimum $500) 0.60% 0.60%
1 year (minimum $1,000) 0.75% 0.75%
2 year (minimum $2,500) 1.05% 1.05%
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 10/1/2017 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 2014 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 2011 to 2013 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 2008 to 2010 36 months as low as 4.95% $29.96
  48 months as low as 5.45% $23.24
Vehicles 2007 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 5.25%  
90% to 100% Loan to Value 180 months as low as 6.25%  

 

Fee Schedule

Effective as of 12/1/2014
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