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Rates & Fees


Credit worthiness is required of any loan made at this credit union.

There will be a $25 Application Fee for all none real estate and credit card loans regardless of approval.

Collateral Loan Rates

 

New Collateral

Rates starting as low as 2.75% with approved credit! Program vehicle rates are the same as new vehicles.

Used Collateral

Rates starting as low as 2.75% with approved credit and collateral!

Signature Loans

Membership Pays

 Rates from 16% (maximum) to 8.50% (minimum).

 

Share Secured Loans

Share Secured Loans * 4.010% (Regular or Auxiliary Accounts)

 

Computer Loans

$2,500.00 Maximum Amount Financed

  • Maximum Term 30 Months
  • Rate 10.00% with 20% Down Payment
  • Rate 12.00% with NO (0%) Down Payment

 

New Appliance Loans

$1000.00 Maximum Amount Financed

  • Maximum Term 12 Months
  • Rate 12.00%
  • 10% Down Payment Required

 

Real Estate Loans

Variable Rate Loans

  • Maximum amount financed 80% of appraised value
  • Maximum term 20 Years
  • Index based on the Federal Housing Finance Board adjustable mortgage rate announced monthly and changes to existing loans will be made annually, on June 1st
  • Maximum change in interest rate will be +/- 4% points over the life of the original loan. Maximum annual change of interest rate will be +/- 2%.
  • There is an Origination Fee of $100.00, and normal closings costs to be paid by borrower.

 

Contact our Loan Department for more details and the current index.

 

Fixed Rate Loans For Land Only

 

  • Maximum amount financed 80% of appraised value
  • Maximum term 12 years
  • Rate 9.75%
  • There is an Origination Fee of $100.00 and normal closing costs.

 

 

Savings Accounts

Type APR APY Amount
Regular Balance .01% .01% $200.00 Min.
Axillary Balance .01% .01% $200.00 Min.
Escrow Balance .01% .01% $200.00 Min.
Children Balance .01% .01% $5.00 Min.
Share Draft N/A N/A $1,000.00 Min. Average Daily Balance

Christmas Club Accounts

 

  • APR .01% APY .01%
  • No Minimum Balance Required!!!

 

Fee Schedule

Name Amount
New Member Minimum Share Deposit $5.00
Print Out of Account $5.00
Fax $5.00
ATM/Debit Card/Check Card Fees (each card issued) $10.00
ATM Withdrawal Varies
PIN Reminder Mailers $5.00
Insufficient Funds $35.00
Returned Check $2.00
Stop Pay $35.00
Copy of Cleared Draft $1.00
Temporary Checks - 1 sheet of 4 $2.00
Temporary Checks - 3 sheets of 4 $5.00
Corporate Checks $2.00
NADA Value $5.00
Christmas Club Early Withdrawal $20.00
Money Orders $2.00
Wire Transfer $15.00
Share Account Withdrawals (4 Free Monthly) $3.00
Share Draft Monthly Maintenance $3.00

Flex Teller (Internet Banking)

Visa Credit Card Payment by Credit Union

Carfax Report

$1.00

$10.00

$15.00

 

   
Your Financial Institution Since 1961