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 / Camper Up to 120 Months as low as 8.0%
Motorcycle / ATV / UTV Up to 72 Months as low as 8.0%

Deposit Rates

Deposit Rates
Deposit Accounts Minimum Deposit APR APY
Share – Variable Rate $25 0.15% 0.15%
Share Term Certificate
6 Month – Fixed Rate
$250 0.30% 0.30%
Share Term Certificate
12 Month – Fixed Rate
$250 0.40% 0.40%
Share Term Certificate
15 Month – Fixed Rate
40th Anniversary Certificate
$250 0.50% 0.50%
Share Term Certificate
18 Month – Fixed Rate
$250 0.55% 0.55%
Share Term Certificate
24 Month – Fixed Rate
$250 0.60% 0.60%
Share Term Certificate
36 Month – Fixed Rate
$250 0.65% 0.65%
Share Term Certificate
48 Month – Fixed Rate
$250 0.70% 0.70%
Share Term Certificate
60 Month – Fixed Rate
$250 0.70% 0.70%
Individual Retirement Account
– Variable Rate
$25 0.65% 0.65%
Interest Checking – Variable Rate $20 0.10% 0.10%

Fees

Checking Accounts

  • Monthly Maintenance Fee – interest bearing $ 0
  • Services Fee $ 0
  • Check Orders – Price Varies
  • Non-Sufficient Funds (NSF)/Special Handling $ 25.00

Share and IRA Accounts

  • Membership Fee $ 0
  • Transaction Fee $ 0
  • Service Fee $ 0
  • Term Certificates of Deposit – Early Withdrawal – 90 days of interest
  • Dormant Account Fee after 12 months of no activity $ 10 Quarterly after 12 months inactive

ATM and Debit Cards

  • Transaction Fee $ 0
  • Card Issue/Reissue Fee $ 0
  • Lost/Stolen or Damaged Card Replacement Fee $ 5.00 each occurrence
  • PIN replacement $ 2.00 each occurrence

Loans

  • Late Payment Fee 4% of the payment

First Mortgage

  • Late Payment Fee 4% of principal and interest payment

Miscellaneous Charges

  • Check/Statement Copies $ 2.00
  • Cashier’s Check Purchase* $ 1.00
  • Non-sufficient Funds item – ACH transactions, check, ATM transactions, and everyday debit transactions $10 each item $30 maximum per day
  • Overnight Paperwork – Priority $ 7.75
  • Overnight Paperwork – Priority Express $ 26.50
  • Outgoing Wire Transfer $ 10.00
  • Incoming Wire Transfer $ 5.00
  • Notary Service $ 0
  • Online Banking $ 0
  • E-Statements $ 0
  • Bill Pay $ 0

*Fee applies to official checks written to a third party 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.