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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 3.25 3.25 3.25 3.40 4.25 4.75
A 345 3.45 3.45 3.50 4.50 4.95
B 3.95 3.95 3.95 4.25 4.75 5.15
C 6.75 6.75 6.75 7.00 7.99 8.99
D 13.00 13.00 13.00 14.25 14.50 n/a
E 14.75 14.75 14.75 14.75 n/a n/a
Rates Effective:07/01/2018 The terms for used cars varies please contact our office for specific details.
UNSECURED LOANS
Grade Interest Rates
Platinum 8.99
A 9.99
B 11.99
C 14.99
D 17.00
E 17.00
Rates Effective 04/01/2018

Share Draft Rates

SHARE DRAFT ACCOUNT (CHECKING)
A .25% dividend is paid monthly on each Share Draft Account when the average daily balance is $100 or more.
APY .26% NO MONTHLY MAINTENANCE FEE
$500 OVER DRAFT PROTECTION LINE OF CREDIT
TERM OPEN
Rate 10.00%
-Automatically Activated – No Montly Fees
SHARE CERTIFICATES
TERM DIVIDEND YIELD
12 Months 1.00% 1.00%
24 Months 1.40% 1.40%
36 Months 1.60% 1.60%
Effective Date: 05/18/2018
SHARE ACCOUNTS
BALANCE FROM – TO DIVIDEND RATE YIELD
$25.01 – $50,000 .40% .40%
$50,000.01 – $100,000 .45% .45%
$100,000.01 – MAX .50% .50%
* Rates declared for period ending 09/30/2018
CHRISTMAS CLUB/VACATION CLUB
A 0.50% dividend is paid quarterly on each Club account APY .50% Effective 11/1/2017

Fee Rates

The effective date for the fees is January 01, 2011

DRAFT/SHARE ACCOUNT CHARGES
Account Activity Printout $3.00
Account Closure Fee (within first 2 months) $5.00
Account Reconciliation $20.00
ACH Return $27.00
ATM Cash Limit Increase (per day, subject to approval) $5.00 per request
Automatic Share Transfer Fee $4.00
Bad Address Fee $3.00
Christmas club Early Withdrawal Fee $20.00
Courtesy Pay Fee $27.00
Extended Overdraft balance fee (negative balance 5 consecutive days) $10.00
Inactive Account/Dormant Account $10.00 semi annual (charge after 2 year & account balances under $100)
Legal Process $65.00
Loan Application Fee $10.00
Vacation Club Account Fee (two withdrawals, every 12 months) $20.00
Money Order Fee $1.50
Money Order Stop Payment Fee $10.00
Photocopy $4.00
Return Deposit Item Fee $20.00
Statement Copy Fee $5.00
Share Draft Copy Fee $3.00
Share Draft NSF $27.00
Stop Payment Credit Union Check $20.00
Stop Payment Share Draft $20.00
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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