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Credit Union Closed
Mon., January 18
Martin Luther King Jr. Day
Mon., February 15
President's Day
Mon., May 31
Memorial Day
Mon., July 5
Independence Day
Mon., September 6
Labor Day
Mon., October 11
Columbus Day
Wed., November 11
Veterans Day
Thurs. & Fri.
Nov. 25 & 26
Thanksgiving
For your convenience, the drive thru will be open until 6:00 PM on Wednesday, Nov. 24.
Thurs., December 23
Christmas Holiday
Fri., December 24
Christmas Holiday
For your convenience, the drive thru will be open until 6:00 PM on Wednesday, Dec. 22.
Fri.., December 31
New Year's Eve
Closing at 1:00 PM
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RATES EFFECTIVE AUGUST 1, 2010
**Rates subject to change monthly**
Annual Yields are compounded monthly
Credit Union may match CD rates of other Financial Institutions
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Terms |
Rate |
Annual Percentage Yield |
Certificates of
Deposit
$1,000 Minimum
Early withdrawal penalties may apply to Term Share
Accounts (CD's). |
90 Days |
0.40% |
0.400% |
| 180 Days |
0.65% |
0.651% |
| 365 Days |
0.90% |
0.903% |
| 2 Years |
1.50% |
1.510% |
| 3 Years |
1.60% |
1.611% |
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| Regular IRA |
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1.00% |
1.004% |
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| Regular
Shares |
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0.20% |
0.200% |
| Super Share Rates |
2,501.00-4,999.99 |
0.30% |
0.300% |
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5,000.00-9,999.99 |
0.40% |
0.400% |
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10,000.00-24,999.99 |
0.50% |
0.501% |
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25,000.00 & Over |
0.60% |
0.601% |
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| Club Accounts |
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0.20% |
0.200% |
| Draft Accounts |
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0.10% |
0.100% |
Loan Rates
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Terms |
Rate |
| VEHICLE LOANS |
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New Vehicle
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2 years
3 years
4 years
5 years
6 years |
5.75%
6.00%
6.25%
6.50%
7.50% |
Pre-Owned Vehicles
2005-2009
2000-2004 |
up to 5 years
up to 4 years |
6.50%
7.50% |
| Classic vehicles |
3 years |
14.50% |
| MOTORCYCLE LOANS |
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| New motorcycles |
up to 5 years |
6.75% |
Pre-owned
2005-2009
2000-2004
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up to 5 years
up to 4 years |
6.75%
7.75% |
| WATERCRAFT LOANS |
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| New watercraft |
up to 5 years |
8.50% |
| Pre-owned |
up to 5 years |
9.50% |
| Over $25,000 |
up to 7 years |
9.50% |
| MOTORHOME / TRAVEL TRAILER |
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| New / pre-owned |
up to 10 years |
9.00% |
| FARM EQUIPMENT |
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| New / pre-owned |
up to 5 years |
9.00% |
Credit union may match dealership rates for loan types stated above.
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| PERSONAL LOAN RATES |
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| Share Secured |
3 years |
5.00% |
CD Secured
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3.00%
above CD rate |
| Unsecured loans |
3 years |
13.00% |
| Unsecured loans with collateral |
3 years |
10.00% |
MasterCard / Gold / Platinum
Introductory APR for
1 year on purchases & balance transfers |
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12.99% / 10.99% / 8.99%
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Visa / Gold
Introductory APR for 1 year on purchases & balance
transfers |
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12.99% / 10.99% / 8.99% |
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½ off for payroll
deduction or automatic payment on vehicle, motorcycle,
watercraft, motorhome/traveltrailer or farm equipment
loans. Add 3.50% for Class A- loans (not to exceed 18%), some restrictions apply.
| FEE SCHEDULE |
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| The following fees will be effective July 1, 2010: |
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| FEE TYPE |
CURRENT FEE |
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CHANGED TO |
Share Draft Monthly Fee /
Minimum Balance |
$7.00 balance below $200.00 |
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$8.00 balance below $500.00 |
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| Business Share Draft |
$15.00 per month |
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$25.00 per month |
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| Overdraft Fee |
$2.00 per transfer |
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$3.00 per transfer |
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| Debit Card Annual Fee |
$2.00 |
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$3.00 |
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| Excessive Withdrawal from Savings |
$1.00 each after 2 free per month |
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$2.00 each after 2 free per month |
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| Account Print Out |
$2.00 |
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$3.00 |
| Home Banking is available free of charge |
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| Teller Checks |
$2.00 |
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$3.00 |
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| Temporary Checks |
$0.00 |
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$2.00 for 10 |
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| Telephone Assisted Credit Card Payments |
$0.00 |
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$1.00 |
| Access to make credit card payments free of charge is available on the "MasterCard Go To My Card" link located on the home page of our website. |
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| The $33.00 Title Transfer Fee for "Second Chance Loans" will be passed along to the member. |
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