Description

Rate

APY

Minimums

Share/Secondary/IRA

$100 to earn dividend

$100 to $10,000

0.499%

0.500%

Rates are declared quarterly at end of quarter.

$10,000 to $50,000

0.648%

0.650%

$50,000 and above

0.748%

0.750%

Certificates

Rate

APY

$1,000 to open a Certificate

6 month

0.748%

0.750%

12 Month

0.996%

1.000%

18 Month

0.996%

1.000%

24 Month

1.244%

1.250%

Dedication Certificate

Rate

APY

$0

6 Month

0.499%

0.500%

Requires a minimum $25/month deposit. If monthly deposit is missed, this account may be converted to a Secondary Savings account and all dividends may be forfeited.

12 Month

0.748%

0.750%

18 Month

0.748%

0.750%

24 Month

0.996%

1.000%

Auto

Discounts available up to 1.75%. Contact Credit Union for details.

Up to 5 years old

Max. Term

APR

As low as 5.000%

60 months

APR

As low as 5.500%

72 months

APR

As low as 6.250%

84 months

6 - 10 years old

Max. Term

APR

As low as 5.500%

36 months

APR

As low as 6.000%

48 months

APR

As low as 6.500%

60 months

11 - 19 years old

Max. Term

APR

As low as 8.500%

24 months

APR

As low as 9.000%

36 months

Trailer/Motorhome/
Boat

Discounts available up to 1.75%. Contact Credit Union for details.

Up to 5 years old

Max. Term

APR

As low as 5.750%

60 months

APR

As low as 6.250%

84 months

APR

As low as 6.750%

120 months

6 - 10 years old

Max. Term

APR

As low as 6.250%

60 months

APR

As low as 7.250%

72 months

11 - 19 years old

Max. Term

APR

As low as 9.750%

24 months

APR

As low as 10.750%

36 months

ATV/Motorcycle/
Snowmobile

Discounts available up to 1.75%. Contact Credit Union for details.

Up to 5 years old

Max. Term

APR

As low as 5.750%

48 months

APR

As low as 6.250%

60 months

6 - 10 years old

Max. Term

APR

As low as 6.250%

24 months

APR

As low as 7.250%

36 months

11 - 19 years old

Max. Term

APR

As low as 9.250%

12 months

APR

As low as 11.250%

24 months

Personal (Up to $10,000 OAC)

As low as 10.750%

Up to 36 Months

Share/Certificate Secured

Max. Term

Share Secured

5.000%

Up to 60 months

Share Secured

6.000%

Up to 120 months

Certificate Secured

3.000% above Certificate rate

Up to 120 months

Overdraft/Line of Credit

14.000%

Rates are subject to change without notice.

Savings Account Fees

Inactive Account Fee: Accounts inactive for 2 years with balances below $100	$10.00 per month
Early Account Closure (if closed within 12 months)	$15.00

Checking Account Fees

Returned Check	$20.00
Courtesy Pay (overdraw acct)	$20.00
Stop Payment	$20.00
Copy of Check	$3.00
Check Order	Varies by style and/or design
Organizational/Business Checking	$15.00 per month

Debit Card Fees

PIN Transaction (10 free)	$1.50 each
Insufficient Funds	$20.00
Replacement Card	$5.00
Card Recovery	$65.00

Reloadable Debit Card Fees

Loan Fees

Refinance Loan (less than 6 months old)	$50.00
Loan Extension	$25.00
Single Payment Loan	$50.00
Lower Interest Rate	$50.00
Milk Money Loan	$  10.00/$100.00 requested
Non-Compliance Fees:      Missing documents/titles      No proof of insurance	$25.00 per month 1 % of balance (monthly)
Mortgage Application	$350.00

Other Fees (Applicable to all accounts)

Negative Balance (savings or checking)	$10.00 per day after 3rd day
ACH Origination	$10.00
Return Item for Deposited Item/Loan Payment:    Item drawn on account member has an interest in    Third-party check    ACH return item	$25.00 $10.00 $20.00
Transaction Printout	$1.00 per page
Wire Transfer (domestic)	$17.00
Wire Transfer (International)	$40.00
Research (1 hour minimum)	$75.00 per hour
Reconciliation (1 hour minimum)	$10.00 per hour
Garnishment/Levy	$25.00
PIN Replacement	$5.00
Returned Mail Research	$15.00
Certified Mail	$7.50
Credit Union Check (Payable to a 3rd Party)	$1.50
Money Order Fee	$1.50 each
Visa Gift Card	$3.00

Shared Branching Fees

Transaction Printout	$1.50
Cashed Check	$1.50