Rates & Fees

Loan Rates

Loan Rates Effective:  July 1, 2017

New Autos (2016-2017)

Term APR  
48 Month Term 2.75% APR Up To 100% Financing
60 Month Term 3.25% APR  
72 Month Term 3.75% APR  

Used Autos (2015-2010)

Term APR  
36 Month Term 3.25% APR Book Retail Value
48 Month Term 3.75% APR  
60 Month Term 4.25% APR  
72 Month Term 4.75% APR  

Mortgages

Term APR  
10 Year Mortgage 4.50% APR  
15 Year Mortgage 5.00% APR  
20 Year Mortgage 5.50% APR  

15% – 20% Down Payment Required w/no PMI
10% Down Payment Required w/PMI

Non-Owner Occupied

Term APR  
10 Year Mortgage 6.75% APR  
15 Year Mortgage 7.25% APR  
20 Year Mortgage 7.75% APR  

25% Down Payment Required

Home Equity

Term APR  
6 Year - Home Equity 4.75% APR  
8 Year - Home Equity 5.25% APR  
10 Year - Home Equity 5.75% APR  

80% Loan to Equity Value
$10,000 minimum financing

Interest may be tax deductible, consult your tax advisor!

Home Improvement

Term APR  
 60 Month Term 6.25% APR $10,000.00 Credit Limit
 72 Month Term 6.75% APR $10,000.00 Credit Limit 
 84 Month Term 7.25% APR $20,000.00 Credit Limit 
 96 Month Term 7.75% APR $30,000.00 Credit Limit 
108 Month Term 8.25% APR $40,000.00 Credit Limit 
120 Month Term 8.75% APR $50,000.00 Credit Limit 

Personal Loan

Term APR  
24 Month Term 6.75% APR $2,500.00 Credit Limit
30 Month Term 7.25% APR  
36 Month Term 7.75% APR $5,000.00 Credit Limit
48 Month Term 8.25% APR  

Revolving LOC Loan

Term Variable APR  
Revolving Open End LOC as low as 7.75% APR $7,500.00 Max. Credit Limit

Variable APR Rates may change on January 1st and July 1st of each year

 

Debt Consolidation

Term APR  
36 Month Term  8.50% APR $10,000.00 Credit Limit
48 Month Term 9.00% APR
60 Month Term 9.50% APR  

Pass Book (Share Pledged)   3.50% APR

Regular Dividend Rate .125% APR $100.00 Minimum Average Daily Balance
Premium Dividend Rate .25% APR $2.500 Minimum Average Daily Balance

The Board of Director’s declared above dividends for the 2nd quarter of 2017.

For further information call 873-1174 and ask to speak to the loan officer.

All loans are subject to credit approval and Loan Rates may vary based on your Experian credit score. Published Rates are established for A credit with a score of 730-779.


Share Rates

Rates Effective:  07/01/2017 - 07/31/2017

Account APR Rate APY Rate  
Regular Share Account
             2nd Quarter 2017
.25% .25% $100 Minimum Average Daily Balance.
Premium Share Account
             2nd Quarter 2017
.50% .501% $2,500 Minimum Average Daily Balance.
Premium Share Draft Checking
             2nd Quarter 2017
.25% .25% $2,500 Minimum Average Daily Balance.
.50% .501% $5,000 Minimum Average Daily Balance.
Club Accounts
            
 2nd Quarter 2017
.375% .376% $100 Minimum Average Daily Balance  
.50% .501% $2,500 Minimum Average Daily Balance  

HSA Share Draft Checking
 (Health Savings Accounts)

.25%  .25% $100 Minimum Average Daily Balance.
.375%  .376% $2,500 Minimum Average Daily Balance.
.50%  .501% $5,000 Minimum Average Daily Balance.
IRA Share Account .50%  .501% $1,000 Minimum Balance Required.
IRA Share Certificate Accounts  Based on Share Certificates below
12 Month Share Certificate 1.125% 1.13% $25,000 - $250,000 Min. Balance
3-Month Penalty for Early Wihdrawl
1.00% 1.004% $5,000 - $24,999 Min. Balance
3-Month Penalty for Early Withdrawl
.875% .878% $1,000 - $4,999 Min. Balance
3-Month Penalty for Early Withdrawal 
18 Month Share Certificate 1.25% 1.256% $25,000 - $250,000 Min. Balance
6-Month Penalty for Early Withdrawal
1.125% 1.13% $5,000 - $24,999 Mim. Balance
6-Month Penalty for Early Withdrawl
1.00% 1.004% $1,000 - $4,999 Min. Balance
6-Month Penalty for Early Withdrawal

2 Year Share Certificate

1.375% 1.382% $25,000  - $250,000 Min. Balance
6-Month Penalty for Early Withdrawl
1.25%  1.256% $5,000 - $24,999 Min. Balance
6-Month Penalty for Early Withdrawal 
1.125%  1.13% $1,000 - $4,999 Min. Balance
6-Month Penalty for Early Withdrawal
30 Month Share Certificate 1.50% 1.508% $25,000  - $250,000 Min. Balance
6-Month Penalty for Early Withdrawl
1.375%  1.382% $5,000 - $24,999 Min. Balance
6-Month Penalty for Early Withdrawal 
1.25%  1.256% $1,000 - $4,999 Min. Balance
6-Month Penalty for Early Withdrawal
3 Year Share Certificate 1.75% 1.762% $25,000 - $250,000 Min. Balance
6-Month Penalty for Early Withdrawl
1.625% 1.635% $5,000 - $24,999 Min. Balance
6-Month Penalty for Early Withdrawal
1.50%  1.508% $1,000 - $4,999 Min. Balance
6-Month Penalty for Early Withdrawal
4 Year Share Certificate 2.000% 2.015% $25,000 - $250,000 Min. Balance
6-Month Penalty for Early Withdrawl
1.875% 1.888% $5,000 - $24,999 Min. Balance
6-Month Penalty for Early Withdrawal
1.75%  1.762% $1,000 - $4,999 Min. Balance
6-Month Penalty for Early Withdrawal
5 Year Share Certificate 2.25% 2.269% $25,000 - $250,000 Min. Balance
6-Month Penalty for Early Withdrawl
2.125% 2.142% $5,000 - $24,999 Min. Balance
6-Month Penalty for Early Withdrawal
2.00%  2.015% $1,000 - $4,999 Min. Balance
6-Month Penalty for Early Withdrawal
  • APR – Annual Percentage Rate
  • APY – Annual Percentage Yield
  • Penalties may be imposed on Term Share accounts for early withdrawal.
  • Dividend rates are calculated using average daily balance and are paid quarterly.
  • Club Accounts are declared and credited at maturity.  $5.00 fee for withdrawals.
  • Current rates are subject to change without notice and are based on current market conditions.
  • Share Dividends are paid on accounts with a minimum average daily balance of $100.00 or more.
  • Rates shown for Regular Share accounts are from the previous quarter and current quarterly rates have not been determined. The current quarterly rate will be published at the end of the quarter.

For more information call 873-1174.


Fee Schedule    Effective: July 1st, 2017

ATM and Debit Cards

Description Fee
ATM Surcharge Fee
(Includes: Withdrawals, Inquiries & Transfers)

$.50 per Transaction

Debit Card Replacement Fee $10.00
PIN Reminder Fee $2.00
Overdrawn Account Fee $25.00

All Shares and Share Draft Checking Accounts

Description Fee
Escrow Accounts
(Water, Insurance, Tax and User Fee Payments)
$75.00 Set-up Fee
Monthly Inactivity Fee w/low balance
(w/less than a $25.00 balance and has no activity greater than one year)
$5.00 per month for inactive share draft accounts
Automatic Overdraft Transfer from Savings $2.00 per Item
Advances from Overdraft Line of Credit $5.00 per Advance
Club Accounts Withdrawal Fee  $5.00 per Withdrawal
HSA Initial Account Set-up Fee $10.00 per Account / $10.00 Additional Debit Cards
ACH Payment Change Order $10.00 per Change Item
ACH Return Fee $25.00 per item
Non-Sufficient Funds Fee $25.00 per Item
Deposit Item Returned  (Return Check Fee) $25.00 per Item
Stop Payment Fee  (Share Draft Check) $20.00 per Share Draft Check
Stop Payment Fee  (Over-the Counter Check) $35.00 per Over-the-Counter Check
Account Closure Fee
(Account Closure Fee only assessed if account is closed within 90 days of being opened)
$25.00

Research Fees

Description Fee
Statement Copies $2.00 per Statement
Check Copies $2.00 per Check
Account History Copy $2.00 per Computer Printout

Other Fees

Description Fee
Wire Transfers - Outgoing $20.00 per Wire
Credit Union Checks 2 Free per Month / $3.00 Each Additional CU Check
Dormant / Inactive Account Fee $5.00 per Month (After 2 Years if Account is $1,000 or Less)
Legal Services & Judgments $50.00
Loan Refinancing Fee $50.00
Mortgage & Home Equity Loans $300.00  (Application & Documentations Fee) Upon Approval
Discharge of Mortgage $55.00
Rate Modification Fee $250.00
Loan Coupon Book $10.00 per Book
Lien Release Copy $5.00