| Balance | APR* | APY** |
|---|---|---|
| $100.00 | 0.25% | 0.25% |
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.
Click here to view current promotions for exclusive offers| 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 Substantial penalties are applied to Term Share Certificates including IRA accounts if funds are withdrawn prior to maturity.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 4.24% |
| Used auto | As low as 4.74% |
| Recreational vehicles | As low as 6.74% |
| Classic vehicles | As low as 6.74% |
| Share Secured Loans | 1.00% lower than our lowest interest rate |
| Unsecured Loans | As low as 8.99% |
| Mini Equity Fixed Rate Line of Credit | 7.00% |
| Home Equity Variable Rate Line of Credit*** | 6.75% |
| Home Equity Fixed Rate Line of Credit | 7.25% |
| 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 | $30.00 |
| ACH 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/Posting Fee |
$5.00
$8.00 |
| Print/Mail Statements (per statement) | $1.00 |
| Statement Copies/Reprint (per page) | $2.00 |
| Share Draft (Check) Return | $30.00 |
| Check Photocopy | $5.00 / check |
| Check Cashing / Pass Thru Fee | $10.00 / transaction |
| Check Cashing for non-members | $10.00 per $1,000($10 min) |
| CU Check Withdrawal Fee | $2.00 / check after 1 free |
| CU Check Replacement/Stale Dates | $5.00 |
| Visa Travel Card Fee | $5.00 each |
| Visa Gift Card Fee | $4.00 each |
| Holiday Club Early Withdrawal | $5.00 / Partial $10.00 / Full |
| Stop Payments | $20.00 |
| Address Unavailable | $1.00 |
| Quarterly Dormancy Fee (for accounts dormant for 24 months) |
$15.00 |
| Account Closed/Reopened within 90 days | $25.00 |
| Legal Document Processing | $50.00 |
| Notice of Protest Letter | $25.00 |
| Foreign Item Deposit | $10.00 |
| Research/Reconciliation | $40.00 |
| Lein Replacement | $10.00 |
| Subordination lending agreement | $25.00 |
| GAP Insurance | $250.00 |
| ATM Service Fees | |
|---|---|
| ATM Transactions¹ | $1.00 each including inquiries |
| ATM/Debit Replacement Card | $15.00 |
| ATM/Debit Card Rush Order | $50.00 |
| ATM/Debit Card Reactivation Fee | $25.00 |
| Visa® Debit 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 6.75% effective 12/11/2025 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.