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Loan Rates

SECURED LOAN INTEREST RATE AUTOS AND TRUCKS ( NEW AND USED)
Grade 24 Months 36 Months 48 Months 60 Months 72 Months 84 Months
Platinum 2.45 2.45 2.45 2.75 3.85 4.85
A 3.10 3.10 3.10 3.30 4.40 5.05
B 4.10 4.10 4.10 5.10 5.80 8.10
C 6.90 6.90 6.90 8.35 8.85 9.35
D 13.25 13.25 13.25 14.55 14.75 n/a
E 15.00 15.00 15.00 15.00 n/a n/a
Rates Effective:06/01/22 The terms for used cars vary please contact our office for specific details.
UNSECURED LOANS
Grade Interest Rates
Platinum 5.99
A 6.99
B 9.99
C 12.99
D 15.00
E 17.00
Rates Effective 06/01/22

Share Rates

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 OVERDRAFT PROTECTION LINE OF CREDIT
TERM OPEN
Rate 10.00%
-Automatically Activated – No Monthly Fees
SHARE CERTIFICATES
TERM DIVIDEND YIELD
12 Months .50% .35%
24 Months .65% .40%
36 Months .75% .45%
Effective Date: 7/01/2022
SHARE ACCOUNTS
BALANCE FROM – TO DIVIDEND RATE YIELD
$25.01 – $50,000 .10% .10%
$50,000.01 – $100,000 .15% .15%
$100,000.01 – MAX .20% .20%
* Rates declared for period ending 06/30/2022
CHRISTMAS CLUB/VACATION CLUB
A 0.20% dividend is paid quarterly on each Club account APY .20% Effective 12/31/21

Fee Rates

The effective date for the fees is December 01, 2020

DRAFT/SHARE ACCOUNT CHARGES
Account Activity Printout $3.00
Account Closure Fee (within first 2 months) $10.00
Account Reconciliation $25.00
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 $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 years & account balances under $100)
Legal Process $80.00
Loan Application Fee $10.00
Vacation Club Account Fee (two withdrawals, every 12 months) $20.00
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 ACCOUNT
Subject to a penalty of $20.00 for early withdrawal
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