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• SAVINGS PRODUCTS
Share/Savings Accounts
| Description |
Div Rate |
Annual
Percentage
Yield |
Minimum
Balance |
Fees |
| Share |
.00 |
.00 |
5.00 |
Minimum balance to earn dividend is $100 |
| Organizational Share Account |
.00 |
.00 |
$5.00 |
minimum balance to earn dividend is $100.00 |
| Special Savings |
.35 |
.35 |
$1.00 |
1 withdrawal per quarter, 2nd withdrawal $10 |
| Share Draft (checking) |
|
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suggested opening deposit $20.00 |
| Share Draft-Organization |
00.00 |
00.00 |
$1000.00 |
$99.00 monthly fee |
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Miscellaneous Fees for Share & Share Draft Accounts
| Description |
Fees |
| Insufficient Funds (NSF) |
$30 per item |
| Return Deposit Item |
$30 per item |
| Stop payment |
$30 per item or a series |
| Postdated Item |
$30 per item |
| Copy of share draft (check) |
$5 per item |
| Check printing |
Varies depending on style/choice |
| Unauthorized share transfer fee |
$5 per draft, after first six drafts (per month) |
| Account reconciliation/research |
$15 per hour (minimum 1 hour) |
| Wire transfer (outgoing) |
$15 per transfer |
| International wire |
Varies depending on receiving financial institution, plus $20 credit union administration fee |
| Return mail |
$10 per statement, after 2 consecutive statement periods are returned to the Credit Union |
| ATM/Debit Card |
Replacement Card or pin, due to lost or destroyed-$15 per occurrence/Insufficient funds-$30 per item |
| ATM/Debit card |
Surcharge charged by foreign financial institution ATM-varies depending on financial institution |
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Share Certificates of Deposit
| Term |
Dividend |
Annual
Percentage
Yield |
Minimum
Balance |
Fees |
| 6 month |
.70 |
.70 |
$1000 |
90 day penalty for early withdrawal/dividends quarterly |
| 12 month |
1.00 |
1.00 |
$1000 |
90 day penalty for early withdrawal/dividends quarterly |
| 24 month |
1.60 |
1.61 |
$1000 |
90 day penalty for early withdrawals/dividends quarterly |
| 36 months |
1.85 |
1.86 |
$1000 |
90 day penalty for early withdrawal/dividends quarterly |
| 48 months |
2.00 |
2.01 |
$1000 |
90 day penalty for early withdrawal/dividend |
| 60 months |
2.30 |
2.32 |
$1000 |
90 day penalty for early withdrawal |
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IRA Certificates of Deposit
Accounts (Roth and Traditional)
| Term |
Div Rate |
Annual
Percentage
Yield |
Minimum
Balance |
Fees |
| 12 month |
1.00 |
1.00 |
$1000 |
$15 withdrawal fee; 90 day penalty for early withdrawal/dividends quarterly |
| 24 month |
1.60 |
1.61 |
$1000 |
$15 withdrawal fee; 90 day penalty for early withdrawal/dividends quarterly |
| 36 month |
1.85 |
1.86 |
$1000 |
$15 withdrawal fee; 90 day penalty for early withdrawal/dividends quarterly |
| 48 month |
2.00 |
2.01 |
$1000 |
$15 withdrawal fee; 90 day penalty for early withdrawal |
| 60 month |
2.30 |
2.32 |
$1000 |
$15 withdrawal fee; 90 day penalty for early withdrawal |
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Money Market
| Description |
Dividend |
Annual
Percentage
Yield |
Minimum
Balance |
Fees |
| $100 - $2499 |
.00 |
.00 |
$100 |
For balances up to $2499.99 |
| $2500 - $14,999 |
.30 |
.30 |
$2,500 |
For balances up to $14,999.99 |
| $15,000 - $44,999 |
.35 |
.35 |
$15,000 |
For balances up to $44,999.99 |
| $45,000 - $99,999 |
.40 |
.40 |
$45,000 |
For balances up to $99,999.99 |
| $100,000 and over |
.45 |
.45 |
$100,000 |
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• LOAN PRODUCTS
Loans
| Description |
Approximate
Term |
Annual
Percentage
Rate |
Notes |
| 3 year old models & NEW |
Up to 36 Months |
4.50% to 13.25% |
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| 3 year old models & NEW |
37 to 48 Months |
4.75% to 13.50% |
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| 3 year old models & NEW |
49 to 60 Months |
5.00% to 13.75% |
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| 3 year old models & NEW |
61 to 72 Months |
5.25% to 15.00% |
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| 3 year old models & NEW |
73 to 84 Months |
6.50% to 18.00% |
Terms exceeding 72 months will be based on down payment & other factors |
| 4 year old models or Older |
Up to 36 Months |
6.00% to 15.25% |
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| 4 year old models or Older |
37 to 48 Months |
6.25% to 15.50% |
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| 4 year old models or Older |
49 to 60 Months |
6.50% to 15.75% |
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| 4 year old models or Older |
61 to 72 Months |
7.00% to 18.00% |
Terms exceeding 60 months will be based on downpayment & other factors |
| Personal Loan |
Up to 12 months |
8.25% to 15.75% |
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| Personal Loan |
13-24 months |
9.25% to 16.75% |
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| Personal |
25-36 months |
10.25% to 17.75% |
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| Personal |
37-48 months |
11.25% to 18.75% |
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| Personal Loan |
49-60 months |
12.25% to 19.75% |
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| Line of Credit Loan |
|
Prime rate plus 8% |
Revolving account-payment is 3% of the loan balance after each loan advance |
| Pledge of Shares |
up to 72 months |
3% above current share rate |
With a floor of 4% |
| Pledge of Share Certificate |
up to 72 months |
3% above current share certificate rate |
With a floor of 4% |
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Second
Mortgage Rates
| Description |
Term |
Rate |
Fees |
| 60% OR LESS CLTV |
61 TO 120 MONTHS |
6.50% |
FOR ALL SECOND MORTGAGES |
| 61% TO 70% CLTV |
61 TO 120 MONTHS |
6.75% |
CLOSING COSTS INCLUDE: $100 APPLICATION FEE |
| 71% TO 80% CLTV |
61 TO 120 MONTHS |
7.00% |
$120 PROPERTY SEARCH, $15 FLOOD SEARCH |
| 81% TO 90% CLTV |
61 TO 120 MONTHS |
7.50% |
PLUS THE COST OF RECORDING DEED OF TRUST. $100 FEE IF PAID OFF WITHIN 6 MONTHS. |
| 91% TO 95% CLTV |
61 TO 120 MONTHS |
N/A |
$100 FEE IF PAID OFF WITHIN 6 MONTHS |
| 60% OR LESS CLTV |
121 TO 180 MONTHS |
7.00% |
|
| 61% TO 70% CLTV |
121 TO 180 MONTHS |
7.25% |
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| 71% TO 80% CLTV |
121 TO 180 MONTHS |
7.50% |
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| 81% TO 90% CLTV |
121 TO 180 MONTHS |
8.00% |
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| 91% TO 95% CLTV |
121 TO 180 MONTHS |
N/A |
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Credit Card Rates
| Description |
Rate |
Misc/Fees |
| VISA |
8.99*-16.99* |
No annual fee, 25 day grace period, no transaction fee for cash advances, over-the-credit limit fee $25, card or replacement pin fee $15.00 |
| VISA, cont. |
8.99*-16.99* |
late fee is 5% of payment amount due |
| visa |
8.99*-16.99*%* |
*Rates vary depending on your individual credit file-call for your rate. |
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Organizational Loan Rates
| Description |
Term |
Rate |
Misc/Fees |
| Organizational Vehicle Loans |
36-84 months |
4.50% to 7.00% |
late fee is 5% of payment due amount 10 days after due date |
| Organizational Loans |
36-120 months |
7.00% to 9.50% |
late fee is 5% of the payment due amount 10 days after due date |
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