Share Account Rates:
Rates as of November 9, 2011

Account Type Min Balance Dividend Rate APR**      APY*
  Regular Share $0.00 to $100.99       0 %       N/A
  & Christmas Club   $101.00 to $4,999.99    0.25 %      0.25 %
      $5000.00 to $14,999.99    0.50 %      0.50 %
  $15000.00 & above    0.75 %      0.75 %
  • The dividend rates and annual percentage yield may change every dividend period.  We may change the dividend rate for your account as determined by the credit union board of directors.

           *APY = Annual Percentage Yield

         **Anticipated Rate 

    Investment Account Rates:
Rates as of November 9, 2011

Plan Code Min Deposit Maturity Penalty Dividend Rate APR** APY*
    E $2,500.00 06 months  90 Days 0.75% 0.75%
    F $1,000.00 12 months 180 Days 1.00% 1.00%
    G $1,000.00 30 months 180 Days 1.25% 1.26%
    I/R $1.00       N/A       N/A 1.75% 1.78%
  • Dividends will be paid quarterly.
  • Rates will be subject to change at any time.
  • Rates will be based on local market rates.
  • An IRA can be invested under any terms and conditions of available investment plans.

         *APY = Annual Percentage Yield 

         *APR = Annual Percentage Rate

       **Anticipated Rate

Loan Rates:   

Effective Date: September 15, 2010

Loan Type*Annual Percentage Rate Starting At
New Auto & Motorcycles4.75%
Used Auto & Motorcycles5.50%
Signature(left column)10.00%
New Boats/RV/Trailers6.99%
Used Boats/RV/Trailers8.99%

** The Annual Percentage Rate you will receive is based upon certain credit-worthiness criteria. Please ask the credit union for the rate for which you will qualify.

Rates for Services:

 

         Service Description      Fee
           
New Member Application (each)  $1.00
Check Cashing

To members in good standing for cashing checks drawn on other financial institutions.  However, drafts from Imprest Fund will be cashed at no charge to member or non-member.

$5.00
Money Order (each) $3.00
Travelers Checks

$1.00 per $100 or fraction of $100. 

$1.00
Cashier Draft (each) $5.00
Electronic Teller 

No fee for transfers. No fee for first 12 inquiries, thereafter .25 per inquiry.  Each access code entered is an inquiry.

.25
ATM Card (each inquiry, withdrawal, or transfer)

$1.00 for each denial in a monthly statement period (after 5 rejects within that monthly period).

$1.00
Excessive Withdrawals (over the counter)

No fee for first three withdrawals from the share account within the month.  $10.00 fee for each withdrawal thereafter.

$10.00 
Returned Deposit Item (each)  

 

$25.00
Returned Loan Payment Check (each) $35.00
Returned Mail (each piece) $5.00
Rolled coin / Courier Charge 5% of Total
Account Verification (each request) $20.00
Printout of Account Statement $3.00
Researching Account

$25.00 per hour with 1/2 minimum including microfilming if requested.

see note
Share Draft / ACH - Overdrafts

$25.00 for each draft listed on the insufficient funds register

see note 
Stop Payment $25.00 (each) or $35.00 range of items $25.00
Manual Transfers (each) $3.00
Excessive Share Transfer (over 6 per month) $2.00
Microfiche Copies of Account History or Check copies (each) $5.00
Reconciling / Balancing Statement

$20 per hour - 1/2 hour minimum

see note 
Re-Establish New Account

If member's actions cause an account to be reestablished, there will be a fee to establish this new account number.

$50.00
Close/Reopen same account or removal of joint owner $25.00
Replacement of ATM Card

If member's action caused the card to be replaced.  No fee for defective or worn cards, etc.

$15.00
Replacement of ATM PIN (each incident) $15.00
Replacement of ET PIN (each incident) $15.00
Early Christmas Club Withdrawal (each) $10.00
Assistance on Correcting Credit Report $15.00
Wire Transfer Out (each) in US Outside US (market rate ($35 minimum)) $25.00
Dormant Account Fee

$10.00 per month for account balance below $100.00

see note
Prices for Share Draft / Checks will vary.
Close Account opened less than 12 months $25.00
Loan Payment Late Charge

A late payment fee will be accessed on the 16th day after the payment is due.  The fee will be 5% of the monthly payment amount with a minimum charge of $5.00.

see note
IRA Account Balance Below $500 (monthly) $10.00
IRA Early Withdrawal (prior to age 59.5) each withdrawal $25.00
Legal Process (garnishment/levy, etc) $25.00
Release legal process $25.00
Effective September 15, 2010

                              

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 POLICIES/PATRIOT ACT

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