Rates / Fees

Loan Rates

  • Rates effective January 2, 2024

    Loan Maximum Term (Months) APR* (As Low As)
    2023-2024 Up to 42 5.30%
    43 to 54 6.80%
    55 to 66 6.80%
    67 to 84 8.05%
    85 to 96 9.30%
    2010-2022 Up to 42 6.30%
    43 to 54 7.80%
    55 to 66 7.80%
    67 to 84 9.05%
    85 to 96 10.30%
    2009 and older Up to 42 9.30%
    43 to 54 10.80%
    55 to 66 10.80%

  • Maximum Term (Months) APR* (As Low As)
    Up to 24 Current Dividend Rate + 2.50%
    25 to 48 Current Dividend Rate + 3.25%
    49 and Longer Current Dividend Rate + 4.00%

  • Rates effective January 2, 2024

    Loan Maximum Term (Months) APR* (As Low As)
    Signature Up to 42 9.50%
    43 to 54 10.00%
    55 to 66 11.00%
    Line of Credit - 10.00%
    Credit Card - 9.75%

  • Contact a Mortgage Loan Officer for up-to-the minute equity loan rates!

Savings Rates

  • Rates effective March 31, 2024

    Type Minimum Balance APY**
    Regular Savings $25.00 Minimum Balance 0.25%
    Advantage Checking $500.00 Minimum Balance 0.20%
    Christmas Club No Minimum Balance 0.30%

  • $500.00 minimum balance – Rates effective April 12, 2024

    Type APY**
    3 Months 3.00%
    6 Months 3.50%
    9 Months 4.25%
    12 Months 4.70%
    18 Months 3.75%
    24 Months 4.00%
    36 Months 3.50%
    48 Months 3.25%
    60 Months 3.50%

  • $500.00 minimum balance – Rates effective April 12, 2024

    Type APY**
    12 Months 4.70%
    24 Months 4.00%
    36 Months 3.50%
    48 Months 3.25%
    60 Months 3.50%

  • Rates effective April 12, 2024

    Type Maximum Term APY**
    12 Months $25,000.00 to open 4.80%
    12 Months $50,000.00 to open 4.90%

Fee Schedule

Deposited Checks:
Returned Unpaid
Two Party
$29.00 / Item
$10.00 / Item
Overdraft / Nonsufficient Funds $29.00 / Item
Under Minimum Share of $25.00 $5.00 / Quarter
Advantage Checking $5.95 Monthly;
waived for ages under 18 and 61 and older,
and for balances over $3,500.00
Business Checking Service $10.00 / Month
Check Printing Prices Vary with Vendor
e-Checking $2.00 / Month for Paper Statement
Overdraft / Nonsufficient Funds $29.00 / Item
Overdraft Privilege $29.00 / Item
Overdraft Transfer from Savings (Share) $5.00 / Each
Temporary Checks $2.00 for 4
ATM Network $2.00 / Transaction or Inquiry (ATMs we don't own / operate)
Bill Pay See separate Bill Pay Disclosure
Overdraft / Nonsufficient Funds $29.00 / Item
Overdraft Privilege $29.00 / Item
Overdraft Transfer from Share $5.00 / Each
Replacement Card $10.00 / Card
Stop Payment / Returned Item $25.00 / Item
Account Closed $25.00 within 90 days of opening
Account Reopen $25.00 / Account, after closing 2 times
Account Research $35.00 / Hour, minimum of 1 hour
Cashier’s Check $3.00 / Check; $0.50 for ages 61 and older
Christmas Club Early Withdrawal $5.00 / Withdrawal
Coin Counting 5.00% of Amount
Collection Item $15.00 Minimum; additional fees may apply on foreign items
Copy of Statement $5.00 / Statement
Escheat $50.00
Legal Process – Garnishments / Levies $15.00 / Item
Money Order $2.00 / Item; $0.50 for ages 61 and older
Returned Mail (After two Statement Cycles) $10.00 / Month
Stop Payments $25.00 / Each
Third Party Telephone Loan Payment $10.00
VISA® Gift Card $3.50 / Card
VISA® Travel Money $7.95
Western Union $40.00 / Transfer
Western Union - International $40.00 / Transfer plus Administrative Cost
Wire Notification / Research $5.00 / Transfer
Loans:
Origination - Consumer Lessor of 1.00% of Loan Amount or $100.00
Origination - HELOC / HEIL $225.00
Origination - Mortgage $800.00
Origination - Mortgage Construction 0.50% of Loan Amount
Mortgage Modification 1.00% of Loan Amount
Mortgage Partial Release / Subordination $195.00
Overnight Mailing:
Standard Delivery $40.00
Priority or Saturday $50.00
Wire Transfer:
Incoming
Outgoing
International (U.S. or Foreign Currency)
$5.00 / Transfer
$25.00 / Transfer
$50.00 / Transfer

Fee Schedule Revised 01/01/23

*APR=Annual Percentage Rate. Rates are subject to credit approval and to change without notice. The credit union will determine your rate by credit background, specific loan terms, payment method and collateral. The total amount financed must meet specific guidelines. Risk-based lending does not apply to share- and share-certificate-assigned loans. Contact the credit union for complete details.