CREDIT UNION MEMBERSHIP

• Share: $10 par value

SHARE SAVINGS ACCOUNT FEES

• Minimum Balance: $25
• Excessive Withdrawal Fee: $1.00 per item after three (3) withdrawals per month.

SHARE DRAFTS (CHECKING ACCOUNTS)

• NSF or Overdraft Fee $25.00 per item.
• Stop Payment Fee $15.00 per item.
• Monthly Maintenance Fee $8.00 per month. (waived with direct deposit)
• Check Copy $ 1.00 per item (2 free per statement cycle)
• Statement Copy $ 2.00
• Check Printing Fee Prices vary depending upon style.

OTHER FEES

• Returned Deposited Item $10.00 per item
• ATM Deposit Adjustment $10.00
• Returned Foreign Check $20.00 per item
• Debit Card Replacement $5.00 (Limit 2, then $25.00)
• Debit Card Rush Order $45.00
• Credit Union Checks $2.00 each
• Dormant Account Fee $5.00 monthly
• Domestic & International Wires $40.00 each
• Incoming Wire Fee $10.00 each
• Loan Processing Fee $25.00
• Online Bill Pay Plus $5.00 monthly (First month free)
• Business Checking Set-up $50.00
• Business Account monthly fee $10.00
• Business Loan Processing Fee $50.00

Savings Account Rates

• $100 to $24,999 0.05% APY*
• $25,000 to $49,999 0.10% APY*
• $50,000 and over 0.15% APY*

LOANS
Loan Type	Term	APR*
SHARE SECURED	Balance in account less than $25.00	3.5%
UNSECURED LOANS	up to 48 months	12%
NEW AUTOS
New Loan		3.49%
New Loan	With Automatic Payments	3.24%
CHURCH LOANS
New Loan	up to 48 months	up to 8%
USED AUTOS
New Loan		4.49%
New Loan	With Automatic Payments	4.24%
**** Please note: On older model cars financing may only be offered up to 48 months ****
SMALL BUSINESS LOANS	up to 60 months	8.00%

   

****For members who have direct deposit and With Automatic Payments a .25% interest rate loan discount will apply****

ABOVE RATES ARE BASED ON GOOD CREDIT. RATES MAY BE ADJUSTED UP TO 7% FOR SUBSTANDARD CREDIT

*APR = Annual Percentage Rate
*APY = Annual Percentage Yield