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 Accounts | Minimum Deposit | APR | APY |
|---|---|---|---|
| Share – Variable Rate | $25 | 0.25% | 0.25% |
| Share Term Certificate 6 Month – Fixed Rate |
$250 | 1.00% | 1.00% |
| Share Term Certificate 12 Month – Fixed Rate |
$250 | 1.50% | 1.50% |
| Share Term Certificate 15 Month – Fixed Rate 40th Anniversary Certificate |
$250 | 2.15% | 2.16% |
| Share Term Certificate 18 Month – Fixed Rate |
$250 | 2.20% | 2.21% |
| Share Term Certificate 24 Month – Fixed Rate |
$250 | 2.25% | 2.26% |
| Share Term Certificate 36 Month – Fixed Rate |
$250 | 2.30% | 2.31% |
| Share Term Certificate 48 Month – Fixed Rate |
$250 | 2.35% | 2.37% |
| Share Term Certificate 60 Month – Fixed Rate |
$250 | 2.40% | 2.42% |
| Individual Retirement Account – Variable Rate |
$25 | 2.25% | 2.26% |
| 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.