Policies
Fees & Rates
revised/approved 12-01-2014
| 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 | $1.00 each |
| Corporate Check | $3.00 each |
| Inactive / Dormant Account Fee | $2.00 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) |
| VISA Over-the-Limit Fee | $25.00 |
| 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 |
| Membership Fee | $0.25 |
| Dividend Rates1 (APY2 as paid on 03-31-2015) | |
|---|---|
| Shares - $25.00 minimum balance3 | 0.02% |
| Share Draft | 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 03-31-2015) | ||
|---|---|---|
| Signature Loan | as low as 9.50% | up to 48 months |
| New Vehicle Loan - 2014 to 2015 | as low as 3.00% | up to 48 months |
| as low as 3.49% | 49 to 60 months | |
| as low as 3.99% | 61 to 70 months | |
| as low as 4.99% | 73 to 84 months | |
| Used Vehicle Loan - 2 to 4 years old | 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 | as low as 3.99% | up to 48 months |
| as low as 4.50% | 49 to 60 months | |
| New Boat and Camper Loans - 2014 to 2015 | 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 | 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 | 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 |
| Share Secured Loan | as low as 6.00% | up to 48 months |
| VISA - no annual fee | 10.50% | periodic rate of 0.875% 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. |
