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Savings Rates

(Effective December 31, 2011)

NCUA
Your savings Federally Insured to at least $250,000.

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 Rates

Effective December 14, 2011)

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%

Rates are subject to change without notice. Dividends are paid quarterly.


Loan Rates

(Effective April 1, 2011)

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.


Fee Schedule (Effective 1/1/2011)

Fees subject to change.

Credit Union Membership

Membership Share

$25.00 par value

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

Purchase, replacement or re-issue

$5.00

Add Funds (at Credit Union)

$1.50

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

 

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