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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.
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RATES EFFECTIVE FEBRUARY 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 |
0.80% |
0.802% |
| 180 Days |
1.05% |
1.055% |
| 365 Days |
1.30% |
1.307% |
| 2 Years |
1.55% |
1.561% |
| 3 Years |
1.90% |
1.916% |
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| Regular IRA |
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1.50% |
1.510% |
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| Regular
Shares |
|
0.40% |
0.401% |
| Super Share Rates |
2,501.00-4,999.99 |
0.50% |
0.501% |
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5,000.00-9,999.99 |
0.60% |
0.602% |
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10,000.00-24,999.99 |
0.70% |
0.702% |
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25,000.00 & Over |
0.80% |
0.803% |
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| Club Accounts |
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0.50% |
0.501% |
| Draft Accounts |
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0.20% |
0.200% |
Loan Rates
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Terms |
Rate |
| VEHICLE LOANS |
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New Vehicle
|
2 years
3 years
4 years
5 years
6 years |
4.75%
5.00%
5.25%
5.50%
6.50% |
Pre-Owned Vehicles
2005-2009
2000-2004 |
up to 5 years
up to 4 years |
5.50%
6.50% |
| Classic vehicles |
3 years |
14.50% |
| MOTORCYCLE LOANS |
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| New motorcycles |
up to 5 years |
5.50% |
Pre-owned
2005-2009
2000-2004
|
up to 5 years
up to 4 years |
5.50%
6.50% |
| 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 February 1, 2009: |
| NSF Fees for ACH, ATM & Share Drafts |
$30.00 per item |
| Stop Payments |
$30.00 per item |
| Early Account Closure Fee (within 60 days) |
$25.00 |
| Outgoing Wire Fee |
$15.00 per wire |
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