Rates & Fees:
Share Savings Fees:
You can withdraw funds from your share savings three times in a month free, and on the fourth withdrawal a $1.00 excessive withdrawal from then on during the month.
The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: share draft, in-person withdrawal, ATM withdrawal, or other electronic means.
Sharedraft Fee Schedule:
- $25 Overdraft fee on items paid or
returned due to NSF.
- $7 stop payment
- $3 transfer from savings to checkings
(3 free transfers per mo.)
- $3 copy of draft
- $7 stop payment on corporate draft
- $15 Incoming Wires
- $20 Outgoing Wires
- $45 International Wires
- $3 Check Cashing Fee
- $1 Money Order fee
- $2.50 Gift Card fee
- $.50 per $100 Travel Money Cards (min. $500)
Services:
- Payroll Deduction
- Vacation & Christmas club
- Sharedraft Accounts
- Quick Cash Loans
- VISA Classic/Platinum Cards
- Notary
- Direct Deposit
- NADA Used Auto Book
- On-site ATM
Fact Act Notice:
We may report information about your loan and deposit accounts to Credit Bureaus. Late payments, missed payments, or other default on your accounts may be reflected in your credit card.
Loan Rates based on credit score.
Fall Special: (As of 11/07/08)
| Up to $5,000 |
24 mos |
7.25% |
Loan Rates: (As of 11/07/08)
|
|
|
| New 2008 - 2009 |
36 mos |
5.5% |
|
48 mos |
5.5% |
|
60 mos |
5.5% |
| $25,000+ |
72 mos |
6.5% |
| Used 2008 - 2005 |
36 mos |
5.75% |
|
48 mos |
5.75% |
|
60 mos |
5.75% |
| 2004 - 2001 |
36 mos |
6.25% |
|
48 mos |
6.5% |
| 2000 - 1998 |
36 mos |
6.75% |
|
48 mos |
7.0% |
| 1997 -1989 |
24 mos |
7.5% |
|
36 mos |
7.75% |
| Antique & Collectable |
Up to 60
months |
7.5% |
Signature Loan Up
to $7,000 |
Up to 48
Months |
8.5% |
Signature Loan Up
to $7,000 - $10,000 |
Up to 60
Months |
9.5% |
Real Estate Loan Rates: (As of 11/07/08)
| 10 Year Fixed |
5.5% |
| 15 Year Fixed |
5.75% |
| 20 Year Fixed |
5.85% |
| 30 Year Fixed |
6.0% |
2nd Mortgage Loan Rates: (As of 11/07/08)
| 5 Year Fixed |
6.5% |
| 10 Year Fixed |
6.75% |
Home Equity Loan: (As of 11/07/08)
Savings: (As of 11/07/08)
Common Share:
Declared Qtr. |
Rate |
**APY |
2nd Qtr. Money
Up to $2,999.99 |
.50% |
.50% |
Money at and over
$3,000.00 |
1.00% |
1.00% |
Share Draft
(maintain $5K balance) |
.75% |
.75% |
| Christmas/Vacation Club |
.75% |
.75% |
IRA's
(IRA's annual fee $12.00) |
2.00 |
2.02% |
| Over Draft Protection |
12.00% |
|
Share Certificate: (As of 11/07/08)
| Minimum |
$1,000 |
$10,000 |
|
Rate |
**APY |
Rate |
**APY |
| 90 day |
2.35% |
2.36% |
2.50% |
2.52% |
| 6 months |
2.53% |
2.55% |
2.69% |
2.72% |
| 12 months |
2.88% |
2.90% |
3.03% |
3.07% |
| 18 months |
2.92% |
2.95% |
3.10% |
3.13% |
| 30 months |
3.21% |
3.25% |
3.36% |
3.40% |
Penalty for Early Withdrawal:
*** The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal or fees will reduce earnings. The APY is accurate as of last dividend declaration.
* We may change the dividend rate for your account as determined by the credit union board of directors. Rates subject to immediate change.
Each account is insured by NCUA for $100,000.
Life savings insurance on each common share account with a minimum balance of $1500 to a maximum of $3000.
