Rates and Fees

Loan Rates, Share Rates & Account Fees

The charts below show our most recent loan and share rates (effective 06/16/2017). 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%

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%
Money Market Accounts
$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

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