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
|
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
|
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%
|
- 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
