Description

Rate

APY

Minimums

Share/Secondary/IRA

$100 to earn dividend

$100 to $10,000

0.250%

0.250%

Rates are declared quarterly at end of quarter.

$10,000 to $50,000

0.399%

0.400%

$50,000 and above

0.549%

0.550%

Certificates

Rate

APY

$1,000 to open a Certificate

6 month

0.499%

0.500%

12 Month

0.698%

0.700%

18 Month

0.698%

0.700%

24 Month

0.897%

0.900%

Dedication Certificate

Rate

APY

$0

6 Month

0.250%

0.250%

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

0.449%

0.450%

18 Month

0.449%

0.450%

24 Month

0.648%

0.650%

Auto

Discounts available up to 1.00%. Contact Credit Union for details.

Up to 5 years old

Max. Term

APR

As low as 3.000%

60 months

APR

As low as 3.500%

72 months

APR

As low as 4.250%

84 months

6 - 10 years old

Max. Term

APR

As low as 3.500%

36 months

APR

As low as 4.000%

48 months

APR

As low as 4.500%

60 months

11 - 19 years old

Max. Term

APR

As low as 7.500%

24 months

APR

As low as 8.000%

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 4.750%

60 months

APR

As low as 5.250%

84 months

APR

As low as 5.750%

120 months

6 - 10 years old

Max. Term

APR

As low as 5.250%

60 months

APR

As low as 6.250%

72 months

11 - 19 years old

Max. Term

APR

As low as 8.750%

24 months

APR

As low as 9.750%

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 4.750%

48 months

APR

As low as 5.250%

60 months

6 - 10 years old

Max. Term

APR

As low as 5.250%

24 months

APR

As low as 6.250%

36 months

11 - 19 years old

Max. Term

APR

As low as 8.250%

12 months

APR

As low as 9.250%

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: Balances to $100 – inactive after 2 years	$30.00 per quarter
Early Account Closure (closed within 12 months)	$15.00

Checking Account Fees

Stop Payment	$20.00
Copy of Check	$3.00/$5.00 same day
Check Order	Varies by style/design
Business/Organizational Checking	$15.00 per month
Inactive Account Fee (after 6 months)	$10.00 per quarter

Debit Card Fees

Transaction using PIN (10 free)     (ATM inquiries, w/d, & POS cash back)

$  1.50 each

Reloadable Debit Card Fees

Loan Fees

Lower Interest Rate	$50.00
Single Payment Loan	$50.00
Skip Payment	$25.00
Skip Payroll Transfers	$10.00
Milk Money Loan - $10/$100 requested	$10.00 - $70.00
Missing documents/titles	$25.00/month
Missing Insurance (30-day grace period)	1% of balance/month

Other Fees (Applicable to all accounts)

Negative Balance (after 3 days)	$10.00/day after 3rd day
ACH Origination (set up or change other than stop)	$10.00
Insufficient Funds or Courtesy Pay	$25.00
Returned Check (Deposit or Loan Payment) Personal Check	$25.00
Returned Check (Deposit or Loan Payment) Third-Party Check	$10.00
Transaction Printout	$5.00
Wire Transfer (incoming/outgoing)	$17.00
Garnishment/Levy	$25.00
Returned Mail/Bad Address	$15.00/month
Credit Union Check (Payable to a 3rd Party)	$  2.50 each $  5.00 non-member
Money Order	$  1.50 each $  3.00 non-member
Visa Gift Card	$  3.00 each
Verification of Account	$10.00
Check Cashing – Non Member – Dairy Payroll Check	2% of check amount
Shared Branching Withdrawals (10 free)	$  1.50 each