Lowered Auto Rates
We have lowered our new and used auto rates as well as our personal loan rates. Call us for your qualifying rate and term.

Annual Percentage Rates (APR)
Dividends are not compounded and paid out monthly.


Annual Percentage Yield (APYE )
Dividends are compounded and paid out at maturity.

Additional loans, terms and rates available upon request. See the Loan Officer for details.

Fees and Rate Changes?
All efforts are made to keep prices and services on this website current, but are not guaranteed.  Please call to confirm pricing, rates and availability of services.  If you  have any questions, please give us a call

Good Credit Score?
With a good credit score your loan can extended up to a term of 78 months.

Multiple Services Discount
Rates
You might be eligible for this discount if you have direct deposit, payroll deduction and E-statements. 

.25% for Direct Deposit or Payroll Deduction

.25% for Online Account Access™ or E-statements

Save .50% for having both!

Depending on the combination of these, you can qualify for up to .50% discount.  Ask the loan officer for more information.

Rates and Fees

Our current rates and fees as approved by the Board of Directors for dividend rates and annual percentage yields as of June 5, 2013.

Account Rates
Type	Minimum	Daily Periodic Rate	APR
Christmas Club	N/A	0.0%	0.00%
IRA*	$50.00 and up	.75%	.75%
Money Market	$2500 and up	0.0%	.00%
Share Drafts	N/A	0.0%	0.0%
Share Savings*	$1000	0.65%	0.65%
* IRA and Share Savings  are insured by NCUSIF up to $250,000

Loan Rates
Type		Daily Periodic Rates	APR
Personal		.026027% - .049315%	6.00% - 18.00%
Vacation		Call for up to minute rates	Call for up to minute rates
Secured*	New	.015064% - .049315%	1.99% - 18.00%
Secured*	Used	.017126% - .049315%	3.75% - 18.00%
Share Secured**	100% Secured	3% over rate the secured account	3% over rate the secured account
Share Secured**	Partial Secured	.018904% - .049315%	5.75% - 18.00%
Visa Platinum**		.032876%	6% - 12.00%
* At no time will secured rate be less than 5% with discounts ** No Credit Union services discounts permitted For more information about Multiple Services Discount see column to left.

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Fees - Draft/ATM/Savings
Type	Type	Fee
	NSF Overdraft	$30.00 each occurrence
	ACH Overdraft	$30.00 each occurrence
	Debit Overdraft	$30.00 each occurrence
	ACH Origination Setup/Change Fee	$2.00 each occurrence
	ACH Origination Return Fee	$30.00 each occurrence
ATM	Transaction  Fees	First two free, $2.00 thereafter per month
Christmas	Early Withdrawal	$5.00 for each transaction

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Fees - VISA Account
Type	Daily Periodic Rates
Replacement of Lost/Stolen Card	$10.00
Late Charge	$25.00
Pin Replacement	$5.00
Foreign Cash Advance	10% of requested amount
Foreign Transaction Fee	1% of requested amount
Copy of Statement or Sales Draft	$10.00

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Fees - Safe Deposit Box Rentals
Size	Fee
3 x 5	$20/Annually
5 x 5	$25/Annually
3 x 10	$30/Annually
5 x 10	$40/Annually
10 x 10	$60/Annually
Change of safe deposit locks	$150/Annually
Safe deposit box key replacement	$55/per Locksmith service call

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Fees - Other Services
Service	Fee
Returned mail	$3.00
Statement copy (in office)	$5/Month
Paper Statement Fee (Electronic Access)	$2/Month
Account history	$2/each mo. copied
Returned check deposit	$25.00
Stop Payment (ACH)	$25.00/each
Stop Payment Request (Share Drafts)	$25.00/each item
Outgoing wire transfer (Domestic)	$15.00
International wire transfer	$25.00
Money order	$2/Item
Certified check	$5.00
Travelers' check	1% of total purchase
American Express Gift Card Fee	$5.00 each card
Copy of check	$3.00/each
Xerox copies/fax requests	.50/Item
Check printing	Varies with order
Account research	$55/Hour
Other Institutions check encoding errors	$20/Check
Credit Union check	$2.00/each
Telephone inquiries When ARU or internet not used	$1.00 per call
Garnishment, levy, hold shares	$25.00
Subsequent collection letter	$25.00
Letter of lien satisfaction/per title	$5.00
Repossession charges and Legal Fess	Actual cost
Payday loan redemptions (Payday lender pays)	$10.00/Check
Viewing drafts through Account Access™	$.10
EMT loan advance	$20/Advance
Express mail	$25/Check
Membership closed within 6 mos. of opening - Will not be reopened within 12 mo.	$25.00

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