Rates & Fees

All rates are subject to change without notice. Some restrictions may apply. Certain fees may reduce earnings.

Rates-Loans:

Consumer Loans

Type

Annual Percentage Rate

New Auto Loan

As low as 2.74%

Used Auto Loan

As low as 3.24%

 

Personal Loan

As low as 4.49%

Share Secured Loan

2.49%

Rates for New and Used Auto Loans are determined by an evaluation of your credit, the term of the loan, loan-to-value (loan balance divided by vehicle value), and direct deposit/payroll deduction. Rates for Personal Loans are determined by an evaluation of your credit, the term of the loan, and direct deposit/payroll deduction. Rates subject to change at any time without notice.

Payment example: The monthly payment on a $5,000.00 loan at 3.74% for 36 months will be $147.04.

Real Estate Loans

Type

Annual Percentage Rate

First Mortgage Loan
(Maximum loan-to-value of 97%)

Please call

Home Equity Line of Credit
(Maximum loan-to-value of 90%)

As low as 4.74%

Home Equity Loan
(Maximum loan-to-value of 90%)

Please call

Vacant Land Loan
(Maximum loan-to-value of 75%)

As low as 6.25%

Rates for all loans above are determined by factors which include an evaluation of your credit, the term of the loan and loan-to-value (loan balance divided by property value). 

Payment example: The monthly payment on a $10,000.00 loan at 3.74% for 360 months will be $46.25.

Renewable Energy Loans

Type

Annual Percentage Rate

Solar Water Heater Loan
($5,000-$10,000; maximum 5 year term)

0.00% (yes, zero %!)

Photovoltaic System Loan

As low as 6.74%

Payment example: The monthly payment on a $10,000.00 loan at 5.74% for 180 months will be $82.99.

Rates-Shares (Savings):

Share (Savings) Accounts

Type

Dividend Rate

Annual Percentage Yield

Regular Share Account
($50.00 minimum balance)

0.25%

0.25%

Christmas Club Savings
(no minimum balance)

0.25%

0.25%

Share Draft
($50.00 initial deposit)

0.13%

0.13%

Yields effective as of January 1, 2013.

All yields are subject to change without notice. Some restrictions may apply. Certain fees may reduce earnings.

Share Certificates

Term

Dividend Rate

APY*

6-Month Term

0.40%

0.40%

12-Month Term

0.50%

0.50%

24-Month Term

0.75%

0.75%

$1,000.00 minimum balance.

Yields effective as of January 1, 2013.

*APY = Annual Percentage Yield. Dividends compound and credit to certificate monthly.  AUTOMATIC RENEWAL upon maturity. Early withdrawal penalty provision may apply. All yields are subject to change without notice. Some restrictions may apply. Certain fees may reduce earnings.

Fees:

The fees are accurate and effective as of the last dividend declaration. Fees are subject to change at any time without prior notice. Many of these fees can be avoided by maintaining the appropriate minimum balance requirement. 

Credit Union Membership

Description                                         

Amount

Membership Fee (one-time,non-refundable) $1.00
Share Draft (Checking)

Description                                                                                   

  Amount

Cleared Draft Copy   $2.00
Overdraft Transfer   ( from Shares )   $3.00
Share Draft Order   Varies by design
Share Draft Return      ( i.e.,  Non Sufficient Funds  or  NSF )      $20.00
Stop Payment of Share Draft   $20.00
Debit/ATM Card

Description                                                    

Amount

Debit/ATM Card - Replacement

$10.00

Debit Card - Hot Card

$10.00

Debit Card - PIN Reorder

$3.00

Debit Card - Expedited Shipping

$50.00

Electronic Funds Transfer

Description                                                    

Amount

ACH Overdraft Transfer Fee (from shares)
Reg D allows up to 6 transfers per month

$3.00
ACH Return Fee (i.e., NSF) $20.00
ACH Revocation $20.00
ACH Stop Payment $20.00
Service Fees (Applicable to all accounts)

Description

Amount

Abandoned Property Processing $10.00
Account Activity Printout $2.00

Account Closure
(if closed within 6 months of opening)

$20.00
Account Reconciliation $25/hr
Account Research Fee $25/hr
Account Service (below minimum) $5.00
Cashier's Check (to a third party) $3.00
Cashier's Check Photocopy $2.00
Cashier's Check Stop Payment (teller check) $30.00
Deposit Item Return $20.00
Deposit Rolled Coins (in excess of 10 rolls) $0.25/roll
Insufficient Funds Fee $20.00
Notary (non-members) $5.00
Photocopy Fee $0.25
Prepaid - Everyday Spend Card $5.00
Prepaid - Gift Card $3.00
Return Mail $5.00
Stale Dated Cashier's Check $10.00
Statement Copy $5.00
Wire Transfer (domestic) $15.00
Wire Transfer (international) $35.00

Written Authorization Transactions

$5.00
Legal Fees

Description                                                    

Amount

Garnishment

$20.00

Tax Levy

$20.00

Other Legal Process

$20.00