Rates and Fees

Loan Rates, Share Rates & Account Fees

The charts below show our most recent loan and share rates (effective 06/16/2015). Rates are subject to change at any time.

Loans

Personal Loan Rates2

Account
APR1
Signature Loan as low as 6.50%
MasterCard 9.00%
Overdraft Protection
14.50%
Personal Line of Credit
Prime Rate as published in Wall Street Journal + Floor Rate of 6.00%
Share Secured Personal Loan

 5.00%

Auto, Motorcycle, and Registered Jet Ski & AT Loan Rates2

Account
APR1
New Vehicle Loan As low as 1.99%
Used Vehicle Loan
As low as 2.20%

Boat, RV & Camper Loan Rates (Up to 75% Financing)2

Account
APR1
New Boat, RV or Camper Loan As low as 7.00%
Used Boat, RV or Camper Loan
As low as 8.00%

Mortgage Rates2

Account
APR1
1st Mortgage Prime + 0%
Home Equity Line of Credit
As low as Prime
Home Equity Loan
As low as 3.20%
  1. APR = Annual Percentage Rate.
  2. Rates, Terms & Conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions.  All loans subject to approval.

Shares

Share Savings Rates

Account
Minimum Balance
Dividend Rate
APY1

Share Accounts

$5
0.10%
0.10%
Money Market Accounts
$2,500 to $4,999
0.15%
0.15%
$5,000 and above
0.25%
0.25%
Christmas Club
none
0.10%
0.10%
Vacation Club
none
0.10%
0.10%
Tax Club
none
0.10%
0.10%
IRA Share Account
none
0.15%
0.15%

Share Draft (Checking) Rates

Account
Dividend Rate
APY1
Premier Checking ($500-$4999)
0.05%
0.05%
Premier Checking ($5,000-$9,999)
0.10%
0.10%
Premier Checking ($10,000+)
0.20%
0.20%

Share Certificate Rates

Account
Minimum Balance
Dividend Rate
APY1

6 Month Certificate

$500
0.50%
0.50%
1 Year Certificate
$500

0.65%

0.65%
3 Year Certificate
$500
1.00%
1.01%
5 Year Certificate
$500
1.30%
1.31%
IRA 1Year Certificate
$500
0.45%
0.45%
IRA 3 Year Certificate
$500
1.00%
1.01%
IRA 5 Year Certificate
$500
1.30%
1.31%
  1. APY = Annual Percentage Yield.  Rates may change after account is opened.

 

Fee Schedules

ACCOUNT FEES  
Account History $5.00
Paper Statement
$1.00
Card Replacement $10.00
Pin Replacement $4.00
ATM Inquiry 1 $1.00
ATM Withdrawal 1 $1.00
Credit Union Official Checks2 $3.00
Deposited Item – Returned $25.00
ACH Return Fee $30.00
Dormant Account (Charged Quarterly after 12 months) $5.00
Dormant Account Locator $25.00
Duplicate Copy of Statement $5.00
Outgoing Wire Transfer (domestic only) $25.00
ACH / EFT Inquiry $5.00
REGULAR SHARE ACCOUNT FEES  
Membership Application

Second Account Re-Open

Third Account Re-open

$0.00
$5.00
$10.00
SHARE DRAFT ACCOUNT FEES  
Premier & eChecking
  • ACH Return Item Fee                              $30.00
  • ACH Paid Courtesy Pay Fee                   $30.00  
  • Stop Payment                                          $30.00  
  • Draft Copy                                                $2.00  
  • Reconcile Draft Account (per hour)     $15.00  
  • Return Draft Fee                                     $30.00   
  • Share Draft Fee (Paid)                            $30.00

ONLINE BANKING/BILL PAYMENT

Online Banking Free Bill Payment (if used at least once monthly)

Free Bill Payment (if no activity in current month) $6.00

MISCELLANEOUS FEES 

  • Money Order                       $1.50
  • Lien or Garnishment          $25.00
  • Travelers Card                     $9.95
  • Travelers Card Re-load       $6.00

Late Charges on Loans (5 or more days late)          $25.00

Research (per hour or partial hour)                           $15.00

IRA Withdrawal Fee (Excludes Periodic Payment)3     $25.00

Return Check Loan / MasterCard                                $30.00

Loan Extension / Skip-A-Payment                               $25.00

Visa Gift Card                                                                    $5.00

DMV Recording Fee                                                         $6.00

Real Estate Certificate of Satisfaction                       $41.00

1 Waived at CUHere network ATMs

2 Waived if the check is made payable to an owner of the account from which the funds were withdrawn

3 Waived after IRA owner reaches age 59.5