Description

Rate

APY

Minimums

Share/Secondary/IRA

$100 to earn dividend

$100 to $10,000

1.244%

1.250%

Rates are declared quarterly at end of quarter.

$10,000 to $25,000

1.636%

1.950%

$25,000 to $50,000

2.133%

2.150%

$50,000 to $80,000

2.330%

2.350%

$80,000 and above

2.526%

2.550%

Certificates

Rate

APY

$1,000 to open a Certificate

6 month

3.113%

3.150%

12 Month

3.162%

3.200%

18 Month

3.162%

3.200%

24 Month

3.211%

3.250%

Dedication Certificate

Rate

APY

$0

6 Month

2.133%

2.150%

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

2.182%

2.200%

18 Month

2.182%

2.200%

24 Month

2.231%

2.250%

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 10.250%

24 months

Personal (Up to $10,000 OAC)

As low as 10.75%

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	$  7.50 per quarter
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	$  5.00 per month

Debit Card Fees

ATM Transaction	$  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
Non-Compliance Fees:      Missing documents/titles      No proof of insurance	$25.00 per month 1 % of balance (monthly)

Other Fees (Applicable to all accounts)

ACH Origination	$  5.00
Return Item for Deposited Item/Loan Payment:                  Item drawn on account member has an interest in                  Third-party check	$25.00 per item $  5.00 per item
Statement Copy	$  1.00 per page
Wire Transfer (domestic)	$12.00
Wire Transfer (International)	$40.00
Research (1 hour minimum)	$75.00 per hour
Reconciliation (1 hour minimum)	$10.00 per hour
Garnishment	$25.00
PIN Replacement	$  5.00
Returned Mail Research	$15.00
Credit Union Check (Payable to a 3rd Party)	$  1.50
Money Order Fee	$  1.50 each

Shared Branching Fees

Transaction Printout	$  1.50
Cashed Check	$  1.50