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Savings Rates
(Effective June 30, 2008)
|

Your savings Federally Insured to at least $100,000.
|
|
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 Rates
Effective June 30, 2008)
|
|
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% |
Rates are subject to change without notice. Dividends are paid
quarterly.
Loan Rates
(Effective May 1, 2008)
|
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.
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Fee Schedule (Effective 09/01/2007)
Fees subject to change.
Credit Union Membership
Membership Share
|
$25.00 par value
|
|
Savings Account Fees
Inactive Account Fee:
Accounts inactive for 2 years with balances below $100
|
$ 7.50 per quarter
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Early Account Closure (if closed within 12 months)
|
$15.00
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Checking Account Fees
Returned Check
|
$20.00
|
Courtesy Pay (overdraw acct)
|
$20.00
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Stop Payment
|
$20.00
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Copy of Check
|
$ 3.00
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Check Order
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Varies by style and/or design
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Organizational/Business Checking
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$ 5.00 per month
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Debit Card Fees
ATM Transaction
|
$ 1.50 each
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Insufficient Funds |
$20.00
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Replacement Card
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$ 5.00
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Card Recovery
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$65.00
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Reloadable Debit Card Fees
Purchase
|
$ 5.00
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Replacement or Reissue |
$ 5.00
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Add Funds (at Credit Union)
|
$ 1.50
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Loan Fees
Refinance Loan (less than 6 months old)
|
$50.00
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Loan Extension
|
$25.00
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Single Payment Loan
|
$50.00
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Lower Interest Rate
|
$50.00
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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
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Statement Copy
|
$ 1.00 per page
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Wire Transfer (domestic)
|
$12.00
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Wire Transfer (International)
|
$40.00
|
Research (1 hour minimum)
|
$75.00 per hour
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Reconciliation (1 hour minimum)
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$10.00 per hour
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Garnishment
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$25.00
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PIN Replacement
|
$ 5.00
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Returned Mail Research
|
$15.00
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Credit Union Check (Payable to a 3rd Party)
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$ 1.50
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Money Order Fee
|
$ 1.50 each
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Shared Branching Fees
Transaction Printout
|
$ 1.50
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Cashed Check
|
$ 1.50
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