Rates & Fees

Loan Rates

Loan Rates
Loan Type Length of Loan APR
New Auto Up to 72 Months as low as 4.25%
Used Auto Up to 72 Months as low as 5.0%
Personal Up to 60 Months as low as 9.0%
RV Up to 120 Months as low as 9.0%
Motorcycle
(New or Used)
Up to 72 Months as low as 9.0%

Deposit Rates

Deposit Rates
Deposit Accounts Minimum Deposit APR APY
Share – Variable Rate $25 0.25% 0.25%
Share Term Certificate
6 Month – Fixed Rate
$250 0.75% 0.75%
Share Term Certificate
12 Month – Fixed Rate
$250 1.50% 1.50%
Share Term Certificate
18 Month – Fixed Rate
$250 1.55% 1.55%
Share Term Certificate
24 Month – Fixed Rate
$250 1.60% 1.60%
Share Term Certificate
36 Month – Fixed Rate
$250 1.65% 1.65%
Share Term Certificate
48 Month – Fixed Rate
$250 1.70% 1.70%
Share Term Certificate
60 Month – Fixed Rate
$250 1.75% 1.75%
Individual Retirement Account
– Variable Rate
$25 1.50% 1.50%
Interest Checking – Variable Rate $20 0.25% 0.25%

Fees

Checking Accounts

  • Monthly Maintenance Fee – interest bearing $ 0
  • Services Fee $ 0
  • Non-Sufficient Funds (NSF)/Special Handling $ 25.00
  • Stop Payment Order $ 12.00

Share and IRA Accounts

  • Membership Fee $ 0
  • Transaction Fee $ 0
  • Service Fee $ 0

ATM and Debit Cards

  • Transaction Fee $ 0
  • Card Issue/Reissue Fee $ 0
  • Lost/Stolen or Damaged Card Replacement Fee $9.00                      (Effective November 1st, 2016)

Loans

  • Late Payment Fee 4% of the payment

First Mortgage

  • Late Payment Fee 4% of principal and interest payment

Miscellaneous Charges

  • Returned Check / Item for Deposit or Payment $ 25.00
  • Check/Statement Copies $ 2.00
  • Cashier’s Check Purchase* $ 1.00
  • Outgoing Wire Transfer $ 10.00
  • Incoming Wire Transfer $ 5.00
  • Notary Service $ 0

*Fee applies to cashier’s checks issued for less than $500 only.

Please review the Account Rules and Regulations for more information. Fees are subject to change daily at the discretion of the Board of Directors.