Policies

Fees & Rates

revised/approved 12-01-2014

 

Share Draft Account Fees
Non Sufficient Funds Fee $25.00 per item
Returned Item Fee $25.00 per item
Stop Payment Fee $10.00 per request
Share Draft Printing Prices may vary depending on style.
Copy of Paid Draft Fee $5.00 per copy (unlimited pages)
Share Account Unable to Locate Fee $2.00 per month
Monthly Statement Fee free
Quarterly Statement Fee free

 

Other Service Fees (applicable to all accounts)
Account Reconciliation Fee $25.00 per hour
Account Research Fee $10.00 per hour
Statement Copy Fee $2.00 per copy (unlimited pages)
Deposited Item Return Fee $25.00 per item
International Wires $45.00 per transfer
Domestic Wires $25.00 per transfer
Money Order $1.00 each
Corporate Check $3.00 each
Inactive / Dormant Account Fee $2.00 per month (After 1 1/2 years inactivity)
Insufficient / Wrong Address Account Fee $1.50 per month
Account Transfer Fee $5.00 per transfer
Voice Response Unit Transaction free (PIN required)
VISA Late Payment Fee $25.00
VISA Returned Check Fee $25.00 per item
VISA Card Replacement Fee $10.00 (for lost or stolen cards only)
VISA Over-the-Limit Fee $25.00

 

Electronic Funds Transfer Fees
Excessive Withdrawals Fee $0.50 per withdrawal (after 8 free withdrawals per month)
Debit Card Fee $1.00 per month per card
Debit Card Replacement Fee $10.00 (for lost or stolen cards only)
Returned ACH Fee $25.00 per item
ACH Stop Payment Fee $10.00 per item

 

Other
Par Value $25.00 per share
Membership Fee $0.25

 

Dividend Rates1 (APY2 as paid on 03-31-2015)
Shares - $25.00 minimum balance3 0.02%
Share Draft N/A
All Clubs - no minimum balance 0.01%
Individual Retirement Account (IRA) - no minimum balance 0.15%
1 Dividend rates declared quarterly. Diviend rates paid on the last day of each quarter. Fees could reduce the earnings on accounts. Rates may change after account is opened.
2 Average Percentage Yield 
3 Minimum balance to open account and earn dividends

 

Risk-Based Loan Rates (APR 5 as of 03-31-2015)
Signature Loan as low as 9.50% up to 48 months
New Vehicle Loan - 2014 to 2015 as low as 3.00% up to 48 months
  as low as 3.49% 49 to 60 months
  as low as 3.99% 61 to 70 months
  as low as 4.99% 73 to 84 months
Used Vehicle Loan - 2 to 4 years old as low as 3.49% up to 48 months
  as low as 4.00% 49 to 60 months
  as low as 4.25% 61 to 72 months
Used Vehicle Loan - 5 years and older as low as 3.99% up to 48 months
  as low as 4.50% 49 to 60 months
New Boat and Camper Loans - 2014 to 2015 as low as 6.75% up to 48 months
  as low as 7.25% 49 to 60 months
  as low as 7.75% 61 to 84 months
  as low as 8.75% 85 to 120 months
Used Boat and Camper Loans - 2 to 4 years old as low as 7.75% up to 48 months
  as low as 8.25% 49 to 60 months
  as low as 8.75% 61 to 72 months
  as low as 9.00% 73 to 84 months
Used Boat and Camper Loans - 5 years and older as low as 8.00% up to 48 months
  as low as 8.50% 49 to 60 months
  as low as 9.00% 61 to 72 months
Snowmobiles, ATVs, Jet Skis - Recreational Vehicle Loans - A Paper as low as 8.00% up to 48 months
Share Secured Loan as low as 6.00% up to 48 months
VISA - no annual fee 10.50% periodic rate of 0.875% per month
5Annual Percentage Rate

 


Equal Housing Lender
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government

NCUA
National Credit Union Administration, a U.S. Government Agency
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act This credit union is federally insured by the National Credit Union Administration.

Note: All fees and rates are subject to change. Contact the credit union office for current interest rates and fees.

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