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We have a number of online calculators available to help you evaluate various borrowing options, payment terms, etc.

Click here for calculator information.

 

 
 

Rates & Fees

The charts below show our most recent savings and loan rates.

Share Savings Rates

Account
Minimum Balance
Dividend Rate
APY

Share Accounts
$5
1.00%
1.01%
Money Market Accounts
$2,500 to $4,999
2.00%
2.02%
  
$5,000 and above
2.50%
2.53%
Christmas Club
none
1.50%
1.51%
Vacation Club
none
1.50%
1.51%
Tax Club
none
1.50%
1.51%
IRA Share Account
none
2.00%
2.02%

Share Certificate Rates

Account
Minimum Balance
Dividend Rate
APY*

6 Month Certificate

$500
 2.50%
2.53%
1 Year Certificate
$500
2.75%
2.79%
3 Year Certificate
$500
2.80%
2.83%
5 Year Certificate
$500
3.25%
3.29%
IRA 3 Year Certificate
$500
2.80%
2.83%
IRA 5 Year Certificate
$500
3.25%
3.29%

 

Personal Loan Rates

Account
APR
Signature Loan as low as 16.00%

MasterCard

 9.00%
Overdraft Protection
14.50%
Unsecured Personal Line of Credit
As low as Prime* + 1.00%
Secured Personal Line of Credit

As low as Prime*

 

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

Account
APR

New Vehicle Loan

As low as 4.25%
Used Vehicle Loan
As low as 5.00%

Boat, RV & Camper Loan Rates

Account
APR

New Boat, RV or Camper Loan

 As low as 8.25%
Used Boat, RV or Camper Loan
As low as 9.25%

Mobile Home Loans

Account
APR

New Mobile Home Loan

 As low as 11.25%
Used Mobile Home Loan
As low as 13.25%

Mortgage Rates

Account
APR

1st Mortgage

 Please call for current rates
Home Equity Line of Credit
As low as Prime

Fee Schedules

ACCOUNT FEES  
   
ACH/EFT Debit Return $30.00
Overdraft $30.00
Account History $10.00
Card Replacement $10.00
Pin Replacement $4.00
ATM Inquiry+ $1.00
ATM Withdrawal + $1.00
Credit Union Counter Checks $5.00
ATM/Check Card Order $4.00
Deposit Item Return $5.00
Dormant Account $5.00
Dormant Account Locator $25.00
Duplicate Copy of Statement $10.00
Excess Withdrawal $5.00
Early Withdrawal Club Account $25.00
Excess Withdrawal Money Market Account $5.00
Below Minimum Balance Money Market Account $5.00
Wire Transfer $15.00
International Wire $30.00
ACH / EFT Inquiry $5.00
   
SHARE ACCOUNT FEES  
   

Membership Application
   Second Account Re-Open
   Third Account Re-open

 $1.00
$10.00
$25.00
Excess EFT $10.00
Excess Withdraw $5.00
Below Minimum Balance $5.00
   
DRAFT ACCOUNT FEES  
   
Stop Payment $30.00
Draft Copy $2.00
Reconcile Draft Account (per hour) $15.00
Collection Fee $10.00
Inactivity Service Charge $2.00
   
MISCELLANEOUS FEES  
   
AMEX Gift Checks $2.50

Loan Application Fee
   Loan Application Fee Refundable Upon Loan Advance

 $5.00
Money Order $1.00
Lien or Garnishment $50.00
Travelers Cheque $1.00
Travelers Cheques For Two $1.50
Return Mail $2.00
Late Charges on Loans $25.00
Telephone Request For Balance $2.00
Telephone Request For Funds Transfer $2.00
Telephone Request for Account History $2.00
Transfer of Funds or History++ $2.00
Account Verifications $10.00
Research $15.00
IRA Withdrawal Fee (Excludes Periodic Payment) $25.00
Return Check Loan / MasterCard $25.00
Loan Rework $25.00
Loan Extension / Skip-A-Payment $25.00
Internet Bill Payer FREE
Visa Gift Card $3.50
   
+ Fee waived for relationship accounts  
++ Does not apply to Audio Teller  
*Annual Percentage Yield  
Eff. February 1, 2007  


 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 
 

Our Mission is to meet member financial needs with dignity and trust through quality service consistent with sound financial practice.
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