Rates & Fees

Rates & Fees

Deposit Rates

Account Type APR APY Minimum Balance for Dividend Eligibility
Shares 0.250% 0.2502% $100 minimum balance required – Pays Quarterly
Special Savings 0.250% 0.2502% $100 minimum balance required – Pays Quarterly
Share Draft Checking 0.150% 0.150% $200 minimum balance required – Pays Monthly

Share Certificates

  APR APY Minimum Balance for Dividend Eligibility
6 Month 0.45% 0.45% $2500 minimum deposit
12 Month 0.55% 0.55% $2500 minimum deposit
24 Month 0.75 % 0.75% $2500 minimum deposit

Fee Schedule

Money Orders $1.00 each item
NSF Share Draft $25.00 each occurrence
NSF ACH Item $25.00 each occurrence
Stop Payment Fee ACH or Share Draft $25.00 each occurrence
Returned Mail Fee $2.00 each occurrence
Automated Draft Transfer $2.00 each occurrence
Account Printout $2.00 each item
Statement Copy $2.00 each item
Draft Copy $2.00 each item
Draft Copy Via Fax $3.00 each item
Outbound Wire $15.00 per transaction
Overnight Shipping Fee $25.00 each item
ATM Fee $1.00 per transaction
Account Research $10.00 per hour – minimum one hour

Loan Rates

New Auto

Term* APR* Loan to Value Limits
48 months 5.0% to 12.0% 95% to 110% of MSRP +TTL
60 months 5.5% to 12.5% 95% to 110% of MSRP +TTL
72 months 6.0% to 8.0% 100% to 110% of MSRP +TTL

Used Auto

Loan Type Term* APR* Loan to Value Limits
Current year and 1 year old 54 months 6.0% to 13.0% Loan to Value ratio for used auto loans ranges from 95% of NADA Trade Value to NADA Retail Value
2-4 years old 48 months 6.5% to 13.5%
5-7 years old 36 months 8.5% to 15.0%
8 years and older 30 months 9.0% to 16.0%

New Boats & RVs (Includes Motor Homes, Trailers, Motorcycles)

Term* APR* Loan to Value Limits
48 months 7.0% to 13.0% MSRP
60 months 7.5% to 13.5% MSRP
72 months 8.0% to 10.0% MSRP

Used Boats and RVs (Includes Motor Homes, Trailers, Motorcycles)

Loan Type Term* APR* Loan to Value Limits
Current year and 1 year old 54 months 6.0% to 13.0% Loan to Value ratio for used recreational vehicle loans ranges from  NADA Loan Value to NADA Retail Value
2-4 years old 48 months 6.5% to 13.5%
5-7 years old 36 months 8.0% to 15.0%
8 years and older 30 months 9.0% to 16.0%

Personal Loans

Term* APR* Loan to Value Limits
24 months 12.0% to 18.0% Maximum loan $4000

Share Secured Loans

Term* APR* Loan to Value Limits
60 months 5% Fully Secured by Shares

Share Certificate Secured Loans

Term* APR* Loan to Value Limits
60 months 5% variable Fully Secured by Certificate of Deposit

Risk Based Pricing and Terms

The APR, term and loan to value limit that you qualify for will be within the range disclosed above and is based on your credit worthiness. Please ask us what APR, term and loan to value limit that you qualify for. Risk based pricing and terms DO NOT apply to Share Secured Loans or CD Secured Loans.

Variable Rate Share Certificate Secured Loans

The Annual Percentage Rate for loans secured by share certificates will be equal to the dividend rate being paid on the share certificate being offered as security plus a margin of 2% OR the minimum rate of 5.0%. The share certificate must be continuously renewed until the advance has been completely repaid. When the share certificate is renewed the loan APR will change to reflect the new share certificate dividend plus the margin of 2% OR the minimum rate of 5.0%. Any increase or decrease in the APR will affect the number of payments you will make to your loan. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. Any change in your APR over the life of your loan will be disclosed as a subsequent action.