Fees and Rates
| Share Draft Account Fees | |
|---|---|
| Non Sufficient Funds Fee | $25.00 per item |
| Returned Item Fee | $25.00 per item |
| Stop Payment Fee | $10.00 per request |
| Share Draft Printing | Prices may vary depending on style. |
| Copy of Paid Draft Fee | $5.00 per copy (unlimited pages) |
| Share Account Unable to Locate Fee | $2.00 per month |
| Monthly Statement Fee | free |
| Quarterly Statement Fee | free |
| Other Service Fees (applicable to all accounts) | |
|---|---|
| Account Reconciliation Fee | $25.00 per hour |
| Account Research Fee | $10.00 per hour |
| Statement Copy Fee | $2.00 per copy (unlimited pages) |
| Deposited Item Return Fee | $25.00 per item |
| International Wires | $45.00 per transfer |
| Domestic Wires | $25.00 per transfer |
| Money Order | $2.00 each |
| Corporate Check | $5.00 each |
| Inactive / Dormant Account Fee | $5.00 per month (After 1 1/2 years inactivity) |
| Insufficient / Wrong Address Account Fee | $1.50 per month |
| Account Transfer Fee | $5.00 per transfer |
| Voice Response Unit Transaction | free (PIN required) |
| VISA Late Payment Fee | $25.00 |
| VISA Returned Check Fee | $25.00 per item |
| VISA Card Replacement Fee | $10.00 (for lost or stolen cards only) |
| Primary Savings Re-Open Fee | $20.00 (within 90 days of closing) |
| Primary Savings Closure Fee | $10.00 (within 90 days of closing) |
| ACH Manual Processing Fee | $25.00 per item |
| Card Blocked for Negative Balance | $5.00 |
| Card Unblocked per Members’ Request | $5.00 |
| Cashier’s Check | $5.00 per item |
| Cashier’s Check Delcaration of Loss Fee | $5.00 per item |
| Cashier’s Check Copy Fee | $5.00 per item |
| Account Escheat Fee | $50.00 per member |
| Check Cashing for Non-Members | $5.00 per check |
| Check Stop Payment Fee | $10.00 per check |
| Block of Checks Stop Payment Fee | $25.00 (5 or more in sequence) |
| Electronic Funds Transfer Fees | |
|---|---|
| Excessive Withdrawals Fee | $0.50 per withdrawal (after 8 free withdrawals per month) |
| Debit Card Fee | $1.00 per month per card |
| Debit Card Replacement Fee | $10.00 (for lost or stolen cards only) |
| Returned ACH Fee | $25.00 per item |
| ACH Stop Payment Fee | $10.00 per item |
| Other | |
|---|---|
| Par Value | $25.00 per share |
| Dividend Rates1 (APY2 as paid on 12/31/2015) | |
|---|---|
| Shares – $25.00 minimum balance3 | 0.02% |
| Share Draft minimum balance $5.00 | N/A |
| All Clubs – no minimum balance | 0.01% |
| Individual Retirement Account (IRA) – no minimum balance | 0.15% |
| 1 Dividend rates declared quarterly. Diviend rates paid on the last day of each quarter. Fees could reduce the earnings on accounts. Rates may change after account is opened. 2 Average Percentage Yield 3 Minimum balance to open account and earn dividends |
| Risk-Based Loan Rates (APR 5 as of 01/01/2017) | ||
|---|---|---|
| Signature Loan | as low as 9.50% | up to 48 months |
| New Vehicle Loan – 2017 to 2018 | as low as 3.00% | up to 48 months |
| as low as 3.49% | 49 to 60 months | |
| as low as 4.00% | 61 to 70 months | |
| as low as 5.00% | 73 to 84 months | |
| Used Vehicle Loan – 2 to 4 years old
(2016-2014)
|
as low as 3.49% | up to 48 months |
| as low as 4.00% | 49 to 60 months | |
| as low as 4.25% | 61 to 72 months | |
| Used Vehicle Loan – 5 years and older
(2013 – older) |
as low as 3.99% | up to 48 months |
| as low as 4.50% | 49 to 60 months | |
| New Boat and Camper Loans – 2017 to 2018 | as low as 6.75% | up to 48 months |
| as low as 7.25% | 49 to 60 months | |
| as low as 7.75% | 61 to 84 months | |
| as low as 8.75% | 85 to 120 months | |
| Used Boat and Camper Loans – 2 to 4 years old – 2016-2014 | as low as 7.75% | up to 48 months |
| as low as 8.25% | 49 to 60 months | |
| as low as 8.75% | 61 to 72 months | |
| as low as 9.00% | 73 to 84 months | |
| Used Boat and Camper Loans – 5 years and older -2013 and older | as low as 8.00% | up to 48 months |
| as low as 8.50% | 49 to 60 months | |
| as low as 9.00% | 61 to 72 months | |
| Snowmobiles, ATVs, Jet Skis – Recreational Vehicle Loans – A Paper | as low as 8.00% | up to 48 months |
| VISA – no annual fee | 11.50% | periodic rate of 0.9583% per month |
| 5Annual Percentage Rate |
 |
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government  National Credit Union Administration, a U.S. Government Agency |
| We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act | This credit union is federally insured by the National Credit Union Administration. |
| Note: All fees and rates are subject to change. Contact the credit union office for current interest rates and fees. |