Loan Rates
| Loan Type | Length of Loan | APR |
|---|---|---|
| New Auto | Up to 84 Months | as low as 5.75% |
| Used Auto | Up to 84 Months | as low as 6.85% |
| Personal | Up to 60 Months | as low as 10.90% |
| RV / Camper | Up to 120 Months | as low as 10.75% |
| Motorcycle / ATV / UTV | Up to 72 Months | as low as 10.75% |
| Classic Credit Card | Up to $500 | as low as 17.25% |
| Platinum Credit Card | Up to $8,000 | as low as 14.25% |
Deposit Rates
| Deposit Accounts | Minimum Deposit | APR | APY |
|---|---|---|---|
| Share – Variable Rate | $25 | 0.15% | 0.15% |
| Share Term Certificate 6 Month – Fixed Rate |
$250 | 3.75% | 3.80% |
| Share Term Certificate 12 Month – Fixed Rate |
$250 | 4.00% | 4.06% |
| Share Term Certificate 18 Month – Fixed Rate |
$250 | 3.35% | 3.39% |
| Share Term Certificate 24 Month – Fixed Rate |
$250 | 3.40% | 3.44% |
| Share Term Certificate 36 Month – Fixed Rate |
$250 | 4.10% | 4.16% |
| Share Term Certificate 48 Month – Fixed Rate |
$250 | 3.10% | 3.13% |
| Share Term Certificate 60 Month – Fixed Rate |
$250 | 3.20% | 3.23% |
| Individual Retirement Account – Variable Rate |
$25 | 2.10% | 2.11% |
| Interest Checking – Variable Rate | $20 | 0.10% | 0.10% |
| Balance Tier | Minimum Deposit | APR | APY |
|---|---|---|---|
| $500 – $24,999 | $500 | 0.65% | 0.65% |
| $25,000 – $49,999 | $500 | 0.80% | 0.80% |
| $50,000 – $74,999 | $500 | 0.95% | 0.95% |
| $75,000 and up | $500 | 1.00% | 1.00% |
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, IRA, and Money Market 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
- Below $500 balance $2.00 (Money Market Account)
- Withdrawals over 6 per quarter $5.00 each (Money Market Account)
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
- Virtual and Plastic Gift Cards $2.00
*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.