Rates & Fees

Account Related Fee Schedule

Effective: September 1st, 2017

Loan Late Payment Fee$25.00
Visa Late Payment Fee$25.00
Cashier's Check$20.00
Bank Draft$5.00
Money Order
Up to $500$1.50
$500.01 - $1000$2.50
Account Activity Printout
current year per statement$1.00
prior year per statement$3.00
Account Research (Per Hour)$28.00
Account Closed Within 120 Days$25.00
Bill Pay$4.95
Legal Levy/Garnishment/Citation$28.00
Joint ATM/Debit Card$12.00
Lost ATM/Debit Card$12.00
ATM/Debit Reactivation$5.00
Wire Transfer$25.00
Wire Rejection Fee$55.00
Western Union$35.00
Copy of Draft$3.00
Overdraft Protection: Transfer of Funds from a Share Savings to a Share Draft for an NSF (Per Occurance)$5.00
Non-sufficient Fund Item (Each)$28.00
Non-sufficient Fund Preauthorized Withdrawal$28.00
Deposit Checks (and Other Items) Returned Unpaid$12.50
Stop Payments (All Items)$28.00
Involuntary Account Closing$28.00
Nonactivity Fee (1 Year of Inactivity; Annual)
plus $2.00 per Month Thereafter
$25.00

Courtesy Pay Disclosure  |  Opt In/Opt Out Form

Share Savings Rates: (A penalty will or may be imposed for early withdrawal)

Effective: February 11, 2014

APY=Annual Percentage Yield

Share Savings (Minimum balance to earn APY $25.00)0.25%0.250% APY
Christmas Savings0.25%0.250% APY
Vacation Savings0.25%0.250% APY

Share Certificates: Minimum $1,000

Effective: February 11, 2014

APY=Annual Percentage Yield

Six Months0.40%0.401% APY
Twelve Months0.70%0.702% APY
Twenty-four Months1.00%1.004% APY
IRA Accounts0.30%0.300% APY

Loan Rates

Effective: December 30th, 2016

New Vehicles

Term

*APR As Low As

2016 & Newerup to 60 months2.94%

up to 72 months3.94%
over $30,000up to 84 months6.79%

Used Vehicles

Term

*APR As Low As

2015-2014up to 60 months3.39%

up to 72 months4.39%
2010-2013up to 60 months3.79%
2009 & olderup to 48 months5.79%

Unsecured Loans

Term

*APR As Low As

up to 24 months11.99%
up to 36 months12.99%
up to 48 months13.99%
up to 60 months14.99%

Share Secured Loans

Term

*APR As Low As

up to 60 months3.54%

CD Secured

Term

*APR As Low As

term must match CD term3% over CD

Recreational

Term

*APR As Low As

2015 & newerup to 60 months5.85%
over $30,000
61 up to 120 months7.85%

*APR is Annual Percentage Rate

All loans are subject to credit approval.
All rates are subject to change without notice. The rates may vary based on credit, value and term. Specials may not be combined with other offers.

**add .25% if member does not have a Visa or direct deposit

Federally insured NCUA**

All rates are quoted as low rates. Your rate may differ from lowest rate quoted due to credit or collateral value.

A fee of $21.00 vehicle single interest applies to all motorized vehicle loans, Member must provide proof of full coverage insurance on all loans if applicable.

Credit Card

Rate *APR = Annual Percentage Rate

Visa Platinum10.90% APR
Visa Classic
13.90% APR

Home Loan Applicant Disclosure

Equal Housing Lender

Equal Housing Lender

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

  • DENY A LOAN FOR THE PURPOSE OF PURCHASING, CONSTRUCTING, IMPROVING, REPAIRING OR MAINTAINING A DWELLING, OR DENY ANY LOAN SECURED BY A DWELLING; OR
  • DISCRIMINATE IN FIXING THE AMOUNT, INTEREST RATE, DURATION, APPLICATION PROCEDURES OR OTHER TERMS OR CONDITIONS OF SUCH A LOAN, OR IN APPRAISING PROPERTY.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

ASSISTANT SECRETARY FOR FAIR HOUSING AND EQUAL OPPORTUNITY DEPARTMENT OF HOUSING & URBAN DEVELOPEMENT WASHINGTON, DC 20410

FOR PROCESSING UNDER THE FEDERAL FAIR HOUSING ACT AND TO:

NATIONAL CREDIT UNION ADMINISTRATION OFFICE OF CONSUMER PROTECTION ALEXANDRIA, VA 22314-3428

FOR PROCESSING UNDER NCUA REGULATIONS


UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

  • ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, MARITAL STATUS, OR AGE,
  • BECAUSE INCOME IS FROM PUBLIC ASSISTANCE, OR
  • BECAUSE A RIGHT WAS EXERCISED UNDER THE CONSUMER CREDIT PROTECTION ACT.

IF YOU BELIEVE YOU HAVE BEEN DESCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

NATIONAL CREDIT UNION ADMINISTRATION OFFICE OF CONSUMER PROTECTION ALEXANDRIA, VA 22314-3428