Rates / Fees
Consumer Loan Rates
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Rates effective May 1, 2024
Loan Maximum Term (Months) APR* (As Low As) 2020 & Newer Up to 42 5.30% 43 to 54 6.80% 55 to 66 6.80% 67 to 84 8.05% 85 to 96 9.30% 2014-2019 Up to 42 6.30% 43 to 54 7.80% 55 to 66 7.80% 67 to 84 9.05% 85 to 96 10.30% 2013 and older Up to 42 9.30% 43 to 54 10.80% 55 to 66 10.80% -
Maximum Term (Months) APR* (As Low As) Up to 24 Current Dividend Rate + 2.50% 25 to 48 Current Dividend Rate + 3.25% 49 and Longer Current Dividend Rate + 4.00% -
Rates effective May 1, 2024
Loan Maximum Term (Months) APR* (As Low As) Signature Up to 42 9.50% 43 to 54 10.00% 55 to 66 11.00% Line of Credit - 10.00% Credit Card - 9.75% -
Contact a Mortgage Loan Officer for up-to-the minute equity loan rates!
Savings Rates
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Rates effective September 30, 2024
Type Minimum Balance APY** Regular Savings $25.00 Minimum Balance 0.25% Advantage Checking $500.00 Minimum Balance 0.20% Christmas Club No Minimum Balance 0.30% -
$500.00 minimum balance – Rates effective October 18, 2024
Type APY** 3 Months 2.50% 6 Months 3.40% 9 Months 3.25% 12 Months 4.15% 18 Months 3.00% 24 Months 3.25% 36 Months 3.00% 48 Months 3.00% 60 Months 3.25% -
$500.00 minimum balance – Rates effective October 18, 2024
Type APY** 12 Months 4.15% 24 Months 3.25% 36 Months 3.00% 48 Months 3.00% 60 Months 3.25% -
Rates effective October 18, 2024
Type Maximum Term APY** 12 Months $25,000.00 to open 4.25% 12 Months $50,000.00 to open 4.35%
Fee Schedule
| Deposited Checks: Returned Unpaid Two Party |
$29.00 / Item $10.00 / Item |
| Overdraft / Nonsufficient Funds | $29.00 / Item |
| Under Minimum Share of $25.00 | $5.00 / Quarter |
| Advantage Checking | $5.95 Monthly; waived for ages under 18 and 61 and older, and for balances over $3,500.00 |
| Business Checking Service | $10.00 / Month |
| Check Printing | Prices Vary with Vendor |
| e-Checking | $2.00 / Month for Paper Statement |
| Overdraft / Nonsufficient Funds | $29.00 / Item |
| Overdraft Privilege | $29.00 / Item |
| Overdraft Transfer from Savings (Share) | $5.00 / Each |
| Temporary Checks | $2.00 for 4 |
| ATM Network | $2.00 / Transaction or Inquiry (ATMs we don't own / operate) |
| Bill Pay | See separate Bill Pay Disclosure |
| Overdraft / Nonsufficient Funds | $29.00 / Item |
| Overdraft Privilege | $29.00 / Item |
| Overdraft Transfer from Share | $5.00 / Each |
| Replacement Card | $10.00 / Card |
| Stop Payment / Returned Item | $25.00 / Item |
| Account Closed | $25.00 within 90 days of opening |
| Account Reopen | $25.00 / Account, after closing 2 times |
| Account Research | $35.00 / Hour, minimum of 1 hour |
| Cashier’s Check | $3.00 / Check; $0.50 for ages 61 and older |
| Christmas Club Early Withdrawal | $5.00 / Withdrawal |
| Coin Counting | 5.00% of Amount |
| Collection Item | $15.00 Minimum; additional fees may apply on foreign items |
| Copy of Statement | $5.00 / Statement |
| Escheat | $50.00 |
| Legal Process – Garnishments / Levies | $15.00 / Item |
| Money Order | $2.00 / Item; $0.50 for ages 61 and older |
| Returned Mail (After two Statement Cycles) | $10.00 / Month |
| Stop Payments | $25.00 / Each |
| Third Party Telephone Loan Payment | $10.00 |
| VISA® Gift Card | $3.50 / Card |
| VISA® Travel Money | $7.95 |
| Western Union | $40.00 / Transfer |
| Western Union - International | $40.00 / Transfer plus Administrative Cost |
| Wire Notification / Research | $5.00 / Transfer |
| Loans: | |
| Origination - Consumer | Lessor of 1.00% of Loan Amount or $100.00 |
| Origination - HELOC / HEIL | $225.00 |
| Origination - Mortgage | $800.00 |
| Origination - Mortgage Construction | 0.50% of Loan Amount |
| Mortgage Modification | 1.00% of Loan Amount |
| Mortgage Partial Release / Subordination | $195.00 |
| Overnight Mailing: | |
| Standard Delivery | $40.00 |
| Priority or Saturday | $50.00 |
| Wire Transfer: Incoming Outgoing International (U.S. or Foreign Currency) |
$5.00 / Transfer $25.00 / Transfer $50.00 / Transfer |
Fee Schedule Revised 01/01/23
*APR=Annual Percentage Rate. Rates are subject to credit approval and to change without notice. The credit union will determine your rate by credit background, specific loan terms, payment method and collateral. The total amount financed must meet specific guidelines. Risk-based lending does not apply to share- and share-certificate-assigned loans. Contact the credit union for complete details.