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Rates & Fees Effective June 1, 2017

Loan Rates

Find the type of loan you are looking for in the first column and then follow the row across to find the current rates associated with that loan.

Loan RatesAPR
New Auto up to 72 monthsSpecial As Low As 2.49%
Used Auto up to 60 monthsSpecial As Low As 2.49%
Motorcycle up to 60 monthsAs Low As 4.99%
Recreational and Boat up to 60 monthsAs Low As 5.99%
Recreational and Boat 72-84 monthsAs Low As 6.99%
Recreational and Boat > 84 monthsAs Low As 7.99%
Signature LoansCall Credit Union for rates
APR = Annual Percentage Rate

Share Rates

Find the length of share certificate you are looking for in the first column and then follow the row across to find the current rates associated with that share certificate.

Share Certificates - Minimum $1,000APY
3 Months**0.15%
6 Months0.30%
12 Months0.55%
24 Months0.80%
**3 month share certificate rate for roll-overs only. No new money.
*Penalties for early withdrawal

Find the money market account you are looking for in the first column and then follow the row across to find the current rates associated with that account.

Money MarketAPY
$2,500 - $4,9990.10%
$5,000 - $9,9990.15%
$10,000 +0.25%

Find the IRA account you are looking for in the first column and then follow the row across to find the current rates associated with that account.

IRAAPY
Minimum $100.90%

Find the amount of regular shares you are looking for in the first column and then follow the row across to find the current rates associated with that share.

Regular SharesAPY
Minimum $1000.10%

Find the amount of money you are looking to invest in a Christmas Club account in the first column and then follow the row across to find the current rates associated with that account.

Christmas ClubAPY
Minimum $1000.10%
APY = Annual Percentage Yield

Fee Schedule Effective June 1, 2017

Find possible events regarding loans that could incur a fee in the first column and then follow the row across to find out what that fee would be.

Loan Fees
Late Payment Fee$15.00 (after 10 day grace)
Loan Add-on Fee$49.00 per loan
Short Term Loan Application Fee$29.00 per loan
Loan Processing Fee$29.00 per loan
Minimum Advances on Loans$100.00 per revolving signature loan (effective immediately)
$500.00 per home equity line of credit (effective immediately)

Find possible events regarding share drafts and checking accounts that could incur a fee in the first column and then follow the row across to find out what that fee would be.

Share Draft/Checking Account Fees
Courtesy Pay$32.00 per item
NSF (non-sufficient funds)$32.00 per item
OD (overdraft)$32.00 per item
Stop Payment$32.00 per item
Lost or Damaged Star Replacement Card$20.00 per card
Lost or Damaged Debit Card Replacement$30.00 per card
Checkbook Reconciliation$18.00 per hour
Statement Reprint$5.00 per statement
Account Printout$3.00 per account
Photocopy of Check$5.00 per check
Printed ChecksVaries (see catalogue)

Find other possible events that could incur a fee in the first column and then follow the row across to find out what that fee would be.

Other Fees
Wire Transfer Fee$50.00 Outgoing
$25.00 Incoming
Research Fee$20.00 per hour
Excess Withdrawal Fee$3 (per Trans after 6 per month)
Loan Late Payment Fee$15 after grace period
Money Orders - Members$2.00 each
Money Orders - Non-Members$5.00 each
Cashier's Checks - Members$5.00 each
Cashier's Checks - Non-Members$15.00 each
*Credit Union Check$5.00 each
Account Closure Fee (if closed within 180 days of opening)$15.00 per account
Non-Member Check Cashing Fee - Checks under $400$5.00 per check
Non-Member Check Cashing Fee - Checks over $4001.5% of check amount
**Savings Account Non-Activity Fee$12.00 per year
*Members - 2 free credit union checks per visit per day.
**Non-Activity = no account activity for 12 consecutive months. Accounts with active loans and/or checking accounts are exempt. Accounts linked with another or other active accounts are exempt.