Fees & Rates

CREDIT UNION MEMBERSHIP
  • Share: $10 par value

SHARE SAVINGS ACCOUNT FEES
  • Minimum Balance: $25
  • Excessive Withdrawal Fee: $1.00 per item after three (3) withdrawals per month.

SHARE DRAFTS (CHECKING ACCOUNTS)

  • NSF or Overdraft Fee $25.00 per item.
  • Stop Payment Fee $15.00 per item.
  • Monthly Maintenance Fee $8.00 per month. (waived with direct deposit)
  • Check Copy $ 1.00 per item (2 free per statement cycle)
  • Statement Copy $ 2.00
  • Check Printing Fee Prices vary depending upon style.

OTHER FEES

  • Returned Deposited Item $10.00 per item
  • ATM Deposit Adjustment $10.00
  • Returned Foreign Check $20.00 per item
  • Debit Card Replacement $5.00 (Limit 2, then $25.00)
  • Debit Card Rush Order $45.00
  • Credit Union Checks $2.00 each
  • Dormant Account Fee $5.00 monthly
  • Domestic & International Wires $40.00 each
  • Incoming Wire Fee $10.00 each
  • Loan Processing Fee $25.00
  • Online Bill Pay Plus $5.00 monthly (First month free)
  • Business Checking Set-up $50.00
  • Business Account monthly fee $10.00
  • Business Loan Processing Fee $50.00

Savings Account Rates
  • $100 to $24,999 0.05% APY*
  • $25,000 to $49,999 0.10% APY*
  • $50,000 and over 0.15% APY*

LOANS    
Loan Type Term APR*
SHARE SECURED
Balance in account less than $25.00
3.5%


   
UNSECURED LOANS

up to 48 months

12%

NEW AUTOS    
New Loan   3.49%
New Loan With Automatic Payments 2.74%


   
CHURCH LOANS    
New Loan up to 48 months up to 8%






USED AUTOS    
New Loan   4.49%
New Loan With Automatic Payments 3.74%
     
**** Please note: On older model cars financing may only be offered up to 48 months ****
     
SMALL BUSINESS LOANS up to 60 months 8.00%
   

****For members who have direct deposit and With Automatic Payments a .25% interest rate loan discount will apply****

ABOVE RATES ARE BASED ON GOOD CREDIT. RATES MAY BE ADJUSTED UP TO 7% FOR SUBSTANDARD CREDIT

*APR = Annual Percentage Rate
*APY = Annual Percentage Yield

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checking account | a shutterstock creative commons image
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personal finance | a shutterstock creative commons image