Rates & Fees
Check out our rates below!
Rates effective as of 03/01/2024 and subject to change at any time.
Loan Rates: | ||
Signature Loan | CALL FOR RATES | Up to 36 Months |
$300.00 minimum – $6,000.00 maximum | ||
Shared-Secured Loan | 3.00% Above Current Dividend Rate (APR) |
Up to 60 Months |
Current Specials | ||
2022-2023 Vehicles | CALL FOR RATES | Up to 72 Months | 7 Month CD | 4.75% APY | $2,000.00 new money required |
Auto, Tractor, Boat, Camper, ATV/UTV, Motorcycle, Lawn Mower, & More! | ||
2022-2023 (under 15k miles) | CALL FOR RATES | Up to 72 Months |
2020-2021 | CALL FOR RATES | Up to 72 Months |
2017-2019 | CALL FOR RATES | Up to 60 Months |
2014-2016 | CALL FOR RATES | Up to 54 Months |
2011-2013 | CALL FOR RATES | Up to 48 Months |
2006-2010 | CALL FOR RATES | Up to 42 Months |
Share Rates | ||
Regular Share Account: (savings account) |
0.1500% Dividend Rate | 0.15% APY |
$25.00 minimum – $5000 maximum | ||
Regular Share Account: (savings account) |
0.2000% Dividend Rate | 0.20% APY |
$5001.00 and up | ||
Share Draft Account: (checking account) |
0.0800% Dividend Rate | 0.08% APY |
$250 minimum balance to earn APY | ||
Thrifty Youth Account: | 0.1948% Dividend Rate | 0.20% APY |
$0.00 minimum - $5,000 maixmum | ||
Thrifty Youth Account: | 0.2447% Dividend Rate | 0.25% APY |
$5001.00 and up | ||
Christmas Club Account: | 0.20% Dividend Rate | |
Max Deposit $450 per month, $5000 total | ||
Vacation Club Account: | 0.20% Dividend Rate | |
Max Deposit $450 per month, $5000 total |
Share Certificate Account Rates: | ||
6 Month CD | 0.50% Dividend Rate | 0.50% APY |
$2000.00 minimum | ||
12 Month CD | 1.00% Dividend Rate | 1.00% APY |
$2000.00 minimum |
APR = Annual Percentage Rate
APY = Annual Percentage Yield
*All rates are subject to change*
*Rates and maximums based on credit score
Share Account Fees | ||
Excessive Withdrawal Fee: (If more than (5) per month) | $5.00 per withdrawal | |
Share Account Early Closure Fee: (If closed within 120 days of opening) | $20.00 | |
Returned Item Fee: | $30.00 per item | |
NSF/Account Negative Fee: | $30.00 per item | |
Stop Payment Fee: (Auto Draft/ACH/EFT) | $30.00 per item | |
Christmas Club: | Early Closure Fee: $20.00 | Early Withdrawal Fee: $5.00 |
Vacation Club: | Early Closure Fee: $20.00 | Early Withdrawal Fee: $5.00 |
*Dormant Account Fee: (Accounts under $100 & 1 year of no activity) | $20.00 per quarter | |
*(This does not include Thrifty Youth Accounts) | ||
ACH Origination Fee (Outgoing) (same day or one time) (One free per month): | $2.00 each | |
Disbursement of Check to 3rd Party Fee: | $3.00 per check |
Share Draft Account Fees | ||
NSF/Account Negative Fee: | $30.00 per item | |
Returned Item Fee: | $30.00 per item | |
Stop Payment Fee: (Auto Draft/ACH/EFT) | $30.00 per item | |
Share Draft Check Order: | Prices vary depending upon style | |
Copy of Share Draft Image Fee: | $3.00 per copy | |
ACH Origination Fee (Outgoing) (same day or one time) (One free per month): | $2.00 each |
Other Service Fees (applicable to all accounts) ** | ||
Stop Payment Fee: (Checks withdrawn on Share Accounts) | $36.00 per item | |
Deposited Check Return Fee: (Returned from Bank) | $30.00 per item | |
Account Reconciliation Fee: | $15.00 per hour | |
Account Research Fee: | $15.00 per hour | |
Statement Copy Fee: (Statement Reprint) | $15.00 per copy | |
Wire Transfer Fee: (Outgoing) | $20.00 per wire | |
Wire Transfer Fee: (Incoming) | $5.00 per wire | |
Debit Card/ATM Fees: | $1.00 per ATM Withdrawal | |
Debit Card Replacement Fee: | $10.00 | |
Pin Change/Reset Fee: | $2.00 | |
Temporary Card Block/Hot Card Fee: (Requested thru Credit Union) | $3.00 | |
Fax Fee: | $1.00 per page | |
Share/Loan Ledger Copy Request: | $1.00 per page | |
Returned Mail Handling: | $5.00 per item | |
Levy/Garnishment Request: | $50.00 | |
E-Statements: | FREE | |
Printed Statements: | $15.00 Annually |
Loan Fees | ||
Non-Collateral Loan Application Fee: | $35.00 per loan | |
Collateral Loan Application Fee: | $40.00 per loan | Refinance Collateral Loan Application Fee: | $50.00 per loan |
Late Fee: | $30.00 after 10 days | |
Title Default: (after 3 months) | $100.00 | |
Skip-a-payment: (twice per year, once every 6 months) | $35.00 | |
Visa Late Fee: | $15.00 | |
UCC Filing Fee: | $25.00 |
Credit Union Membership | ||
Membership Share: | $25.00 per value | |
Membership Fee: | $1.00 entrance fee |