| SECURED LOAN INTEREST RATE AUTOS AND TRUCKS ( NEW AND USED) | ||||||
|---|---|---|---|---|---|---|
| Grade | 24 Months | 36 Months | 48 Months | 60 Months | 72 Months | 84 Months |
| Platinum | 4.95 | 4.95 | 4.95 | 5.00 | 5.75 | 6.95 |
| A | 5.25 | 5.25 | 5.25 | 5.95 | 6.50 | 7.95 |
| B | 6.75 | 6.75 | 6.75 | 7.10 | 7.80 | 10.10 |
| C | 8.75 | 8.75 | 8.75 | 9.75 | 10.25 | 11.85 |
| D | 14.25 | 14.25 | 14.25 | 16.55 | 16.75 | n/a |
| E | 16.00 | 16.00 | 16.00 | 16.00 | n/a | n/a |
| Rates Effective:04/01/2023 The terms for used cars varies please contact our office for specific details. | ||||||
| UNSECURED LOANS | ||||||
| Grade | Interest Rates | |||||
| Platinum | 8.50 | |||||
| A | 9.50 | |||||
| B | 12.00 | |||||
| C | 14.50 | |||||
| D | 16.00 | |||||
| E | 17.00 | |||||
| Rates Effective 04/01/2023 | ||||||
| SHARE DRAFT ACCOUNT (CHECKING) | ||
|---|---|---|
| A .05% dividend is paid monthly on each Share Draft Account when the average daily balance is $100 or more. | ||
| APY .05% NO MONTHLY MAINTENANCE FEE | ||
| $500 OVER DRAFT PROTECTION LINE OF CREDIT | ||
| TERM | OPEN | |
| Rate | 10.00% | |
| -Automatically Activated – No Monthly Fees | ||
| SHARE CERTIFICATES | ||
| TERM | DIVIDEND | YIELD |
| 12 Months | 1.00% | .35% |
| 24 Months | 1.25% | .40% |
| 36 Months | 1.50% | .45% |
| Effective Date: 10/01/22 | ||
| SHARE ACCOUNTS | ||
| BALANCE FROM – TO | DIVIDEND RATE | YIELD |
| $25.01 – $50,000 | .15% | .15% |
| $50,000.01 – $100,000 | .25% | .25% |
| $100,000.01 – MAX | .30% | .30% |
| * Rates declared for period ending 03/31/2023 | ||
| CHRISTMAS CLUB/VACATION CLUB | ||
| A 0.25% dividend is paid quarterly on each Club account APY .25% Effective 10/01/22 | ||
The effective date for the fees is December 01, 2020
| DRAFT/SHARE ACCOUNT CHARGES | ||
|---|---|---|
| Account Activity Printout | $5.00 | |
| Account Closure Fee (within first 2 months) | $10.00 | |
| Account Reconciliation | $30.00 | |
| ACH Return | $28.00 | |
| ATM Cash Limit Increase (per day, subject to approval) | $5.00 per request | |
| Automatic Share Transfer Fee | $5.00 | |
| Bad Address Fee | $4.00 | |
| Christmas club Early Withdrawal Fee and Vacation Club allowed up to two withdrawals, every 12 months Fee | $20.00 | |
| Courtesy Pay Fee | $30.00 | |
| Extended Overdraft balance fee (negative balance 5 consecutive days) | $10.00 | |
| Inactive Account/Dormant Account | $15.00 semi annual (charge after 2 year & account balances under $100) | |
| Legal Process | $80.00 | |
| Loan Application Fee | $10.00 | |
| Bill Pay Inactive Fee after 6 months | $5.00 monthly | |
| Money Order Fee | $2.00 | |
| Money Order Stop Payment Fee | $28.00 | |
| Photocopy | $5.00 | |
| Return Deposit Item Fee | $20.00 | |
| Statement Copy Fee | $5.00 | |
| Share Draft Copy Fee | $3.00 | |
| Share Draft NSF | $30.00 | |
| Stop Payment Credit Union Check | $28.00 | |
| Stop Payment Share Draft | $28.00 | |
| CHECK WITHDRAWAL | ||
| Unlimited free check withdrawals on share accounts with balances of $300 or more and 2 free $100 cash withdrawals per month. There is a $2.00 charge for more than 2 cash withdrawals and on checks withdrawals on balances below $300. | ||
| CHRISTMAS CLUB and VACATION CLUB | ||
| Subject to a penalty of $20.00 for early withdrawal | ||
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