| Balance | APR* | APY** |
|---|---|---|
| $100.00 | 0.35% | 0.35% |
Dividends on Shares and Holiday Club Accounts are earned on the average daily balance and paid quarterly. Annual Percentage Yield (APY) assumes that dividends remain on deposit for one year. Rates quoted are those paid at the most recent quarter end and expected to be paid for the current quarter. However, because dividends are paid out of current income and established quarterly by the Board of Directors, rates are not guaranteed for the current quarter.
| Term | APR* | APY** |
|---|---|---|
| 1 year | 3.50% | 3.50% |
Minimum deposit $1,000.00. Dividends credited quarterly and must be left on deposit to earn stated APY. Rates are subject to change without advance notice and reflect market conditions.
Rate for a certificate is established on the date that the certificate is opened. The rate is constant for the term of the certificate. Substantial penalties are applied to Term Share Certificates including IRA accounts if funds are withdrawn prior to maturity.
| Loan Type | APR* |
|---|---|
| New auto | As low as 5.74% |
| Used auto | As low as 6.24% |
| Recreational vehicles | As low as 10.24% |
| Classic vehicles | As low as 8.24% |
| Share Secured Loans | 1.00% lower than our lowest interest rate |
| Unsecured Loans | As low as 10.49% |
| First Mortgages | Call for rates |
| Mini Equity Fixed Rate Line of Credit | 9.25% |
| Home Equity Variable Rate Line of Credit*** | 9.00% |
| Home Equity Fixed Rate Line of Credit | 9.50% |
| Visa® Classic *max $5,000.00) | 12.90% |
| Visa® Platinum (max $15,000.00) | As low as 8.95% |
| Account Fees | |
|---|---|
| New Membership Fee | $1.00 |
| Deposited Item Returned NSF | $30.00 |
| Payment Returned NSF (Applied per individual transaction) |
$30.00 |
| Domestic Wire Transfer | $25.00 |
| Foreign Wire Transfer | $40.00 |
| Automatic Overdraft Transfer Fee
Manual Overdraft Transfer |
$5.00
$8.00 |
| Statement (per page) | $2.00 |
| Return of Member’s Draft NSF | $30.00 |
| Check Photocopy (Internet) | $5.00 / check up to 5 |
| Check Cashing / Pass Thru Fee | $10.00 / transaction |
| Debit Card Reactivation Fee | $25.00 |
| CU Check Withdrawal Fee | $2.00 / check after 1 free |
| Visa Travel Card Fee | $5.00 each |
| Visa Gift Card Fee | $4.00 each |
| Stop Payments | $20.00 |
| Account Closed/Reopened within 90 days | $25.00 |
| Legal Document Processing | $50.00 |
| GAP Insurance | $150.00 |
| ATM Service Fees | |
|---|---|
| ATM Transactions¹ | $1.00 each including inquiries |
| ATM/Debit Replacement Card | $10.00 |
| Visa® Check Card² | Free |
Six (6) free ATM transactions per month with Direct Deposit or $1,000.00 minimum balance. **ATM charges apply when used as ATM card; includes overdraft loan protection.
| Visa® Credit Card Fees | |
|---|---|
| Annual Fee | None |
| Late Payment Fee | $25.00 |
| NSF Fee | $25.00 |
If you incur any of the above mentioned fees, it may result in the reduction of earnings on dividends.
*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. *** Prime rate is 7.75% effective 11/08/2024 as published in the Wall Street Journal. The maximum ANNUAL PERCENTAGE RATE that can apply is 18% or the maximum permitted by law, whichever is less.