 |
|
|
|
Type |
Balance Requirements |
%Rate |
%APY |
| Regular Shares |
$0.00 - $10000.00 |
1.25% |
1.26% |
| |
$10001.00 - $50000.00 |
1.50% |
1.51% |
| |
$50,001.00 - up |
1.75% |
1.76% |
| |
|
|
|
| Super Shares |
$2,500.00 Minimum Balance |
1.25% |
1.26% |
| Checking |
No Minimum Balance |
0.50% |
0.50% |
| Christmas Club |
$10,000 Maximum Balance |
1.25% |
1.26% |
| Money Market |
$250.00 Minimum Balance * (effective
12/1/2008) |
2.96% |
3.00% |
|
|
Dividends accrued daily - paid monthly. Rates are
subject to change monthly without notice. |
|
* $2.00 Fee for balances below $250.00; $2.00 Over
Limit Transaction Fee |
 |
|
SPECI |
|
Type |
Balance Requirements |
%Rate |
%APY |
| |
|
|
|
| 6 Months CD |
$2,500.00 Minimum * |
3.60% |
3.10% |
| 12 Months CD |
$2,500.00 Minimum ** |
3.40% |
3.45% |
| 24 Months CD |
$5,000.00 Minimum ** |
3.54% |
3.60% |
| IRA (Variable) |
$25.00 Minimum
(effective 5/1/2008) |
3.69% |
3.75% |
|
|
Dividends accrued daily - paid monthly. Rates are
subject to change monthly without notice. |
|
* 30 Day
Penalty will apply for early withdrawal |
|
** 60 Day
Penalty will apply for early withdrawal |
|
*** 90 Day
Penalty will apply for early withdrawal (Special CD) |
|
|
|
|
 |
|
|
|
Type |
Term Requirements |
%Rate |
|
Autos |
|
|
| New (*) '09/'08 |
Up to 72 mos. |
5.75%- 10.95% |
| New Over $35,000 |
Up to 84 mos. |
5.75%-10.95% |
| Used (2 yrs old) ('08, '07) -
NADA Value |
Up to 72 mos. |
5.95%-11.95% |
| Used (Next 6 yrs) ('06-'01)
- NADA Value |
Up to 60 mos. |
5.95%-11.95% |
| Older Models
- NADA Value |
Up to 42 mos. |
5.95%-11.95% |
| Classic - CPI Book Value Discretion of L/O |
Up to 60 mos.
w/auto inspection |
7.25%-11.95% |
| |
|
|
|
Motorcycles |
|
|
|
New - 80% of
Purchase Price |
Up to 60 mos. |
7.25%- 10.95% |
|
Used - 80% of Book value |
Up to 42 mos. |
7.25%-10.95% |
|
Harley Davidson New
-
90% of MSRP |
UP to 72 mos. |
7.25%- 10.95% |
|
Harley Davidson
Used -
80% of
Book Value |
Up to 60 mos. |
7.25%-10.95% |
| |
|
|
|
ATVS (4 Wheelers) |
|
|
| New - 80% of Purchase Price |
Up to 36 mos. |
7.25%-10.95% |
| Used - 80% Book Value |
Up to 30 mos. |
7.25%-10.95% |
| |
|
|
|
Airplanes |
|
|
| New - 80% List |
Up to 120 mos. |
7.25%-10.95% |
| Used - Book Value |
Up to 120 mos. |
7.25%-10.95% |
| |
|
|
|
Farm Equipment |
|
|
| New - 80% List |
Up to 72 mos. |
7.25%-10.95% |
| Used - CU Appraisal |
Up to 60 mos. |
7.25%-10.95% |
| |
|
|
|
Mowers $ over 5k |
|
|
| New 100% Purchase |
Up to 54 mos. |
7.25%-10.95% |
| Used CU Appraisal |
Up to 36 mos. |
7.25%-10.95% |
| |
|
|
|
Campers, Travel Trailers, & Motor
Homes |
|
|
| New - 80% MSRP |
Up to 84 mos. |
7.25%-10.95% |
| Used - Book Value |
Up to 72 mos. |
7.25%-10.95% |
| |
|
|
|
Boats, Trailers, Personal
Watercraft |
|
|
| New - 80% List |
Up to 84 mos. |
7.25%-10.95% |
| Used - Book Value |
Up to 72 mos. |
7.25%-10.95% |
| |
|
|
|
Computers ($ over 5K) |
|
|
| New |
Up to 24 mos. |
6.75% |
| |
|
|
|
Mobile Homes |
|
|
| New 100% Selling Price |
Up to 180 mos. |
7.25%-10.95% |
| Used Book Value |
Up to 180 mos. |
7.25%-10.95% |
| |
|
|
|
Miscellaneous |
|
|
| Signature |
Risk based / unsecured up
to 60 mos. |
8.50%-
13.95% |
| Cosigner |
Risk based / unsecured up
to 60 mos. |
8.50%-
13.95% |
| Single Payment |
Risk based / unsecured up
to 60 mos. |
8.50%-13.95% |
| LOC |
Risk based / unsecured up
to 60 mos. |
8.50%-13.95% |
| VISA $10K |
|
7.75%-14.75% |
| Share & MMC |
No Max Up to 120 mos. |
5.75% |
| Single Payment |
No Max Up to 12 mos. |
5.75% |
| Overdraft Line Of Credit |
Risk based/unsecured up
to $1000.00($25.00 15 day Late Fee) |
17.95% |
| |
|
|
|
Home Equity** |
Call the credit union for
more information. |
|
| |
|
|
|
Mortgages |
Call the credit union for
mortgage information. |
|
| 1st Mortgage Home Refinance |
|
|
| 1st Mortgage M/H and Lot |
|
|
| 1st Mortgage Lot & Acreage Purchase |
|
|
| 1st Mortgage Home Purchase |
|
|
| |
|
|
|
2nd Mortgages |
|
|
| Closed-end Home Equity |
|
|
| Closed-end M/H and Lot Equity |
|
|
| Closed-end Lot Equity |
|
|
| |
|
|
|
ARM - Closed End |
|
|
| 3 Year ARM |
|
|
| 5 year ARM |
|
|
|
|
Autos:
Refinances on existing loans with credit union must have
cash advance of $1000.00 if the equity is there.
*100%
(Not to exceed) MSRP or Demos w/less than 20K Miles/Not
titled. (Including tax, tags, warranty)
**
Variable Rate Home Equity Open End Line of Credit.
Interest Rate Index = Prime + 1.00%. Rate declared
December 1 and June 1 of each year. Rate adjusted
January 1 and July 1 of each year.
** All
loans on monthly payments that have direct deposit and
setup on PADS can receive a .25% reduction
in their interest rate.
Salvage/Junk/Rebuilt/Reconstructed/Flood on the title are
not allowed.
Vehicle
with wrecked history - verified through CARFAX - Loan up
to 75% of loan value with proof of collision insurance. |
|
|
 |
|
|
|
Type |
Balance Requirements |
%APR |
| Platinum |
$10,000.00 Maximum |
7.75% to 13.75% |
| |
|
|
| Cash Advance |
|
7.75% to 13.75% |
| Balance Transfer |
|
7.75% to 13.75% |
| Late Payment Fee |
$25.00 |
n/a |
| Over the credit limit fee |
$25.00 |
n/a |
| NSFfee |
$15.00 |
n/a |
| |
|
|
|
|
|
 |
|
|
|
Fee Description
|
Fee |
|
Checking
Fees |
|
|
|
|
|
Business
Share Draft Monthly Fee |
$10.00 |
|
NSF
Fee |
$20.00
per item |
|
NSF Manual
Clearing Fee |
$20.00 per
item |
|
Stop
Payment Fee |
$10.00
per draft |
|
Check Copy |
$1.50 per
check |
|
Reconciliation Fee |
$20.00 |
|
|
|
|
Money
Market Account
Fees |
|
|
Balances
below $250.00 (per month) |
$2.00 |
|
Over
Transaction Limit |
$2.00 |
|
|
|
|
VISA Check
Card/ATM Fees |
|
|
Replacement Card |
$5.00 |
|
PIN and
Replacement |
$5.00
|
|
2 Yr. Card
Renewal Fee |
$2.00 |
|
Overdraft
Fee (per item) |
$20.00 |
|
(Deposited) Return Check Chg. |
$20.00 |
|
Cash
Points Deposit Card |
$2.00 |
|
|
|
|
ACH Fees |
|
|
NSF Fee
(returned/manually cleared) |
$20.00 |
|
Stop
Payment (per draft) |
$10.00 |
| |
|
|
Mortgage
Loan Fees |
|
|
Origination Fee |
1% |
| |
|
|
Overdraft
LOC Fees |
|
|
15 Day
Late Fee |
$25.00 |
| |
|
|
Miscellaneous |
|
|
Wire
Transfer (outgoing) Fee |
$15.00
per transfer |
|
Money
Order Fee
(effective
1/1/09) |
1.00
per order |
|
Statement
Copies (per copy after 1st copy) |
$1.50 |
|
Research
Fee |
$30.00 per
hour |
|
Insufficient
Returned Checks |
$10.00
|
|
International Wire |
$30.00 |
|
Fax fee (per page) |
$1.00 |
|
Inactive Member check cashing
|
$5.00 |
|
Teller checks (2 per month-free) |
$2.00 |
|
Teller check Stop Payment |
$15.00 |
|
Safety Deposit (drill) |
$150.00 |
|
S/D replacement key |
$27.00 |
| |
|
|
Home
Banking / Bill Payment |
|
|
Home
Banking |
Free to
our members |
|
Bill
Payment Investigation Fee |
$20.00 |
|
Stop
Payment Fee for Bill Pay |
$20.00 |
|
NSF
Fee |
$20.00
per item |
|
NSF Manual
Clearing Fee |
$20.00 per
item |
|
|
|
|
|
|
|
 |
|
The
Savings Plans we offer are 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. |
|
