Rates & Fees
Deposit Rates
EFFECTIVE DATE: February 1, 2024
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Savings Rates
Account Type Balance Annual Percentage Yield (APY) Dividend Rate Membership Share (1) 0.10% 0.10% Secondary Share (1) 0.10% 0.10% IRA Share (1)(2) $0.01 - $49,999.99 0.45% 0.45% $50,000.00 - $99,999.99 0.85% 0.85% $100,000.00 & Greater 1.15% 1.16% -
Money Market Rates
Account Type Balance Annual Percentage Yield (APY) Dividend Rate Money Market Deposit (1)(2) $1,000.00 - $9,999.99 0.85% 0.85% $10,000.00 - $24,999.99 1.36% 1.35% $24,000.00 - $99,999.99 1.61% 1.60% $100,000.00 - $199,999.99 2.02% 2.00% $200,000.00 & Greater 2.32% 2.30% -
Share Draft Rates
Account Type Balance Annual Percentage Yield (APY) Dividend Rate Health Savings Share Draft (1) 0.05% 0.05% Share Draft (1) 0.00% 0.00% -
Certificate Rates
Certificate Term Minimum Deposit Amount Annual Percentage Yield (APY) Dividend Rate 9 Month (1) (3) $500.00 3.80% 3.75% 12 Month (1) (3) $500.00 3.55% 3.50% 3 Year (1) (3) $500.00 2.02% 2.00%
(1) For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date of Effective date above. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by Our Board of Directors.
(2) All deposited funds earn the rate for the tier.
(3) Member Loyalty Promotion Eligible. Earn an extra 1.00%! Earn 0.25% for each of the following (maximum of 1.00%):
(a) Online Banking
(b) Recurring ACH payment or Direct Deposit
(c) Checking account, Money Market account, IRA, HSA, Existing CD, or Loan (0.25% for each - with a maximum of two of these to earn 0.50%)
Loan Rates
Vehicle Loans***
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2020 & Newer Vehicles
Term APR* Monthly Payment 36 Months 6.50% $30.66 per $1,000 48 Months 6.50% $23.72 per $1,000 60 Months 6.75% $19.69 per $1,000 72 Months 7.00% $17.06 per $1,000 84 Months 7.50% $15.35 per $1,000 -
Used (2014-2019)
Term APR* Monthly Payment 24 Months (or less) 7.00% $44.78 per $1,000 36 Months 7.25% $31.00 per $1,000 48 Months 7.50% $24.18 per $1,000 60 Months 7.75% $20.16 per $1,000 72 Months 8.00% $17.54 per $1,000 -
Used (2013 & Older)
Term APR* Monthly Payment 24 Months (or less) 10.00% $46.15 per $1,000 36 Months 10.75% $32.63 per $1,000 48 Months 11.50% $26.10 per $1,000
Recreational Vehicle Loans***
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New (2020 - 2024)
Term APR* Monthly Payment 24 Months 6.50% $44.55 per $1,000 36 Months 6.75% $30.77 per $1,000 48 Months 7.00% $23.95 per $1,000 60 Months 7.25% $19.93 per $1,000 72 Months 7.50% $17.30 per $1,000 84 Months 8.00% $15.59 per $1,000 -
Used (2014 - 2019)
Term APR* Monthly Payment 24 Months (or less) 7.25% $44.89 per $1,000 36 Months 7.50% $31.11 per $1,000 48 Months 7.75% $24.30 per $1,000 60 Months 8.00% $20.28 per $1,000 72 Months 8.50% $17.79 per $1,000 -
Used (2013 & Older)
Term APR* Monthly Payment 24 Months (or less) 10.50% $46.39 per $1,000 36 Months 11.00% $32.75 per $1,000 48 Months 11.500% $26.10 per $1,000
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Personal Loans
Loan Type Term APR* Monthly Payment Share Secured 60 Months 3% + Share Rate $18.02 per $1,000 Unsecured Signature*** 12 Months 12.00% $88.87 per $1,000 24 Months 15.00% $48.51 per $1,000 36 Months 15.00% $34.68 per $1,000 48 Months 18.00% $29.38 per $1,000 60 Months 20.00% $26.50 per $1,000 Kwik Cash Open End None 15.00% $2/100
Min $10/month
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Mortgage Loans
Loan Type Rate APR** 5-Year Balloon(up to 30-year amortization) 6.90% 7.12% 10-Year Fixed 7.00% 7.14% 15-Year Fixed 6.85% 6.95%
*APR = Annual Percentage Rate. Rates current as of 04/18/2024. Rates are subject to change at any time without notice. Certain term limitation requirements may apply on certain collateral. All loans subject to collateral and credit approval. Rates shown are lowest possible rate. Other rates and terms are also available. Monthly payment is based on payment per $1,000 for APR rate and term.
**APR=Annual Percentage Rate. Rates current as of 10/2/2023. Last changed on 10/2/2023 Rates are subject to change at any time without notice. Normal closing costs including, but not limited to, appraisal, recording fees, loan administration, title insurance and flood determination fee apply. Subject to credit approval. Any examples of payment schedules do not include property tax or property insurance premiums. Program is a limited time offer which may be withdrawn at any time. All APRs based on $100,000 loan. Subject to 20% down payment on sale price/appraised value.
***Member Loyalty Promotion Eligible. Earn an extra 1.00%! Earn 0.25% for each of the following (maximum of 1.00%):
(a) Online Banking
(b) Recurring ACH payment or Direct Deposit
(c) Any one of the following: Checking account, Money Market account, IRA, or HSA.
(d) Auto-Pay or Payroll Deduction
Equal Housing Opportunity.
Schedule of Fees and Charges
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Fee Schedule
Service Charge NSF Item Fee (each time item is presented to the Credit Union) $25.00 per item Overdraft Transfer Fee 5.00 per transfer Returned Deposited Item Fee $15.00 per item Stop Payment Fee $20.00 per item Stop Payment Fee (book of checks) $40.00 Prior Month Statement Copy/Printout $2.00 per statement Copy of Cleared Share Draft $2.00 Withdrawal by Check Made Payable to Third Party $2.00 per check Fax Fee (incoming and outgoing) $2.00 per page Wire Transfer (incoming and outgoing) $20.00 Copies $0.25 per page Membership Closure Fee (if done within 12 months of opening) $5.00 Garnishment/Tax Levy Fee $25.00 Account Balance/Research $25.00 per hour ($10.00 minimum) Presentment of Returned Member’s Check in Exchange of CU Check $2.00 Returned Mail or Returned E-statement Fee (after first time returned) $10.00 per item Non-Member Check Cashing Fee $1.00 per hundred ($25.00 maximum) Only on Money Market - In Excess of 6 Withdrawals per month
- Minimum Balance Fee (if not maintained)
$10.00 per month Inactive Membership Fee* $5.00 per month* ATM Debit Card Card Replacement Fee $10.00 PIN Reorder Fee $5.00 Excessive ATM Withdrawal Fee (first 6 free per month) $1.00 per occurrence ATM Balance Inquiry Fee $0.50 per occurrence
*Members age of 21 and above that have been inactive for 12 months and have an aggregate balance less than $1,000.00.