Rates & Fees Effective January 1, 2017

Loan Rates

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 Loans

APR= Annual Percentage Rate

Call Credit Union for rates

Share Rates

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

Money MarketAPY
$2,500 - $4,9990.10%
$5,000 - $9,9990.15%
$10,000 +0.25%
IRAAPY
Minimum $100.90%
Regular SharesAPY
Minimum $1000.10%
Christmas ClubAPY

Minimum $100

APY=Annual Percentage Yield

0.10%

Fee Schedule

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
Share Draft/Checking Account Fees
Courtesy Pay$29.00 per item
NSF (non-sufficient funds)$29.00 per item
OD (overdraft)$29.00 per item
Stop Payment$29.00 per item
Lost or Damaged Star Replacement Card$15.00 per card
Lost or Damaged Debit Card Replacement$15.00 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)
Other Fees
Wire Transfer Fee$25.00 Outgoing
No fee for 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$3.00 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-Members 1 free credit union check 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.