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Rates

Loan Rates

Effective as of: 10/7/2024

Period (Months)

APR* (%)

Loan Special
24 Months as low as 5.50% Maximum Loan $5,000

Personal Loan
36 Months as low as 9.50%
48 Months as low as 9.50%
60 Months as low as 9.50%

VISA® Platinum Rewards Credit Card
10.90%

New Vehicle – 2024 and Newer
60 Months as low as 6.00%
61 -72 Months as low as 6.25%

Used Vehicle – 2023 – 2024
60 Months as low as 6.00%

Used Vehicle – 2020 – 2022
60 Months as low as 6.25%

Used Vehicle 2018 – 2019
60 Months as low as 6.50%

Home Equity Loans – 80% LTV
60 Months 5.00%
180 Months 5.25%

RV/Boat – New
60 Months as low as 8.25%
84 Months as low as 8.75%
120 Months as low as 9.25%

RV/Boat – Used
60 Months as low as 8.75%
84 Months as low as 9.25%

100% Share/CD Secured
60 Months 4.00%

The rate charged will be 2% above the CD Pledged rate, with a minimum rate of 4% and a maximum rate of 7% rounded to the nearest 1/10%. The CD will be pledged for the life of the loan.

*APR=Annual Percentage Rate. Loan rates listed are “as low as” rates, and your final rate may be higher depending on creditworthiness and debt-to-income ratio. Other rates and terms are available. Any and all promotional rates and offers may change and/or end without notice.

Share Rates

Effective as of: 06/20/2023

Type

Annual Percentage Rate (APR)

Annual Percentage Yield (APY)
Regular Shares 0.05 % 0.05 %
Christmas Club 0.05 % 0.05 %

*APR is Annual Percentage Rate, APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Rates subject to change without notice.

Fees

Effective as of: 12/1/2021

Period (Months)

APR* (%)

Checking Account
Non Sufficient Funds Fee (NSF) $30.00
Overdraft Advance Fee $30.00
Overdraft Transfer Fee $5.00
Check Photocopy $6.00
Stop Payment $25.00
Non Member Check Cash $5.00
Non Credit Union Check Returned $30.00
Clearing Exception $5.00

Shares and Statement
Statement Copy $6.00
Account (S1 or Checking) Closed within 90 Days $10.00
Account Research (15 minute increments) $15.00 Per Hour
Account History Print Out $2.00 Per Page
Account History Faxed $2.00 Per Page

VISA® Debit/Credit
Lost Card Replacement $10.00-$20.00 1st Time/.Add’l Times
$50.00 Rush Replacement
VISA® Credit Card Over the Limit Fee $20.00
VISA® Credit Card Late Fee $20.00
VISA® Credit Card Return Check Fee $30.00

Other Service Charges
Cashier’s Checks $5.00
VISA® Gift Cards $3.00
VISA® Travel Card $4.00
Wire Transfers $25.00 Domestic
Garnishments/Levy/Subpoena Processing Fee $25.00
Return Statement or Mail Fee $7.50
Certified Letter $10.00
Escheat Fee $100.00
Dormant Fee $10.00 Per Month
Coin Machine Non Mbr 10% of total coin $ Amt

Loan Fees
Loan Late Fee $20.00 After 15 Days
Vehicle Lien Recording Fee $100.00
Loan Skip-a-Pay Fee $35.00

Certificate Rates

Effective as of: 11/05/2024

Term

Annual Percentage Rate (APR)

Annual Percentage Yield (APY)
6 month 1.00% 1.01%
12 month 1.25% 1.25%
24 month 1.50% 1.50%
36 month 1.75% 1.75%

Minimum investment required to open a regular share certificate and obtain the APY. Penalty for early withdrawal may reduce earnings. Rates subject to change without notice.