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Rates & Fees

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  Loan Rates

Effective Date: December 8, 2023 - Does not reflect current special offers.

Vehicle Rates: Cars, Trucks, SUVs, Motorcycles, Motor Homes
New - 2024 - 2023 as low as  6.50%* up to 84 months
Used - 2022 - 2018 as low as 7.25%* terms vary based on year
Titled other Collateral - RV's, Campers, Boats, ATV's, UTV's, Snowmobiles,  Trailers, Tractors, and Equipment
New - 2024 - 2023 as low as 8.25%* up to 84 months
Used - 2022 - 2009 as low as 8.25%* up to 60 months
 
Personal loans
Unsecured as low as 10.25%* $5,000 maximum up to 36 month term
Visa Credit Card 14.25%
Overdraft line of Credit 15.00%
Mortgage loans - call for terms and conditions
Mortgage  
Home Equity  
   
Share secured
Share Savings 3.00%* above current savings product rate
Certificate of deposit 2.75%* above current certificate deposit rate


*annual percentage rate. rates are subject to change. rates and terms are based on credit experience. all loans subject to members qualification. some restrictions may apply.

 

Deposit Rates

Effective: January 11, 2024

Share/Savings Annual Percentage Yield Dividend Rate Minimum Deposit
Shares 0.01% 0.01% $25.00 to open
$50.00 to earn dividend
Youth Savings 0.05% 0.05% $5.00 to open
dividends earned up to $1500.00
Share Draft/Checking APY Rate Min. Deposit
Checking
$1000 average balance must be maintained to earn dividend
0.00% 0.00% $100 minimum to open
Money Market APY Rate Min. Deposit
Money Market Checking 0.00% 0.00% $5,000 minimum to open
Money Market Savings 0.25%
0.50%
0.75%
0.25%
0.50%
0.75%
$2,500 minimum to open
$25,000- $74,999
$75,000 plus
Share Certificates/cds APY Rate Min. Deposit
3 Month  (youth members only) 2.015% 2.00% $250.00
6 Month 2.015% 2.00% $2,500.00
1 Year 1.812% 1.80% $2,500.00
18 Month 1.762% 1.75% $2,500.00
2 Year 1.863% 1.85% $2,500.00
3 Year 2.066% 2.05% $2,500.00
5 Year 2.524% 2.50% $2,500.00
Health Savings APY Rate Min. Deposit
$1,000 average balance must be maintained to earn dividend 0.05% 0.05% $100 minimum to open
Traditional & Roth Ira APY Rate Min. Deposit
Ira Savings 0.10% 0.10% $25.00
3 Year Share Certificate 2.066% 2.05% $2,500.00
5 Year Share Certificate 2.524% 2.50% $2,500.00


rates are subject to change
early withdrawal penalties may apply

 

Fee Schedule

Effective 02/01/2024
Share Value/Membership fee
Par value of one share deposit $25.00
One time membership fee $5.00
Share Savings fees (min. opening deposit $25)
Atm Card - annual fee $20.00
Atm Card replacement $15.00
Atm Card pin reissue $5.00
Atm withdrawals (over 6 per month) $5.00/ea.
Share Draft Checking fees (min. opening deposit $100)
Statement fee per cycle (mailed) $6.00
Visa Debit Card - annual fee $20.00
Visa Debit Card replacement $15.00
Visa Debit Card pin reissue $5.00
ATM withdrawals (over 6 per month) $5.00/ea.
Checks varies
NSF $40.00
Stop payment $35.00
Image Check Copy $5.00
Money Market Checking fees (min. opening deposit $5,000)
Statement fee per cycle (mailed) $9.00
Checks varies
NSF $40.00
Stop Payment $35.00
Image Check Copy $5.00
Money Market Savings fees (min. opening deposit $2,500)
Fee for exceeding authorized number of transactions per statement cycle $10.00/ea.
Health Savings Account fees (min. opening deposit $100)
Set up fee $25.00
Monthly fee $2.00
Close account fee $25.00
Visa Debit card - annual fee $25.00
Visa Debit card replacement $10.00
Visa Debit card pin reissue $5.00
Checks varies
NSF $40.00
Stop Payment $35.00
Image Check Copy $5.00
Loan fees
Late fee - Consumer Loan $25.00
Late fee - Mortgage Loan $50.00
Loan Application fee $45.00
Mortgage Payoff Request $25.00
Visa Credit Card application fee $45.00
Visa Credit Card replacement fee $10.00
Other Service fees
ACH Origination set-up $10.00
Account: Early closure within 90 days $12.50
Account: Re-open within 90 days $12.50
Account: Inactive - annual $40.00
Account Reconciliation - per hour $45.00
Account Research - per hour $45.00
Bag - locking $25.00
Bag - zippered $5.00
Bag - locking - key replacement $10.00
Bill pay - rush payment fee $4.95 - $19.95 based on delivery option
Bill pay - gift pay fee $2.99
Bill pay - donations fee  $1.99
Fax/Scan Transmission - per page $2.00
Copies Per Page .25
Garnishment/levy $75.00
Loose coin 5% face
Official Credit Union Check  $4.00
Official CU Checks Stop Payment Fee $40.00
Online Banking/Bill Pay/eStatements n/c
Returned Mail $15.00
* RDC requires 90 days of member history for eligibility.  
Remote Deposit Capture – per check* $1.00
Returned Deposit – Per Item $12.00
Statement print out $8.00
** NSF/ACH Fee - An NSF charge is imposed each time an item is presented against insufficient funds.  The payee (or the payee's institution) may represent a previously returned item.  Each presentment against insufficient funds will result in a sperate charge.  
Verification of deposit - loan account $10.00
Wire transfer - domestic - in/out $35.00
Wire transfer - international - out $50.00
   

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