Fees and Rates

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 $2.00 each
Corporate Check $5.00 each
Inactive / Dormant Account Fee $5.00 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
Primary Savings Re-Open Fee $20.00 (within 90 days of closing)
Primary Savings Closure Fee $10.00 (within 90 days of closing)
ACH Manual Processing Fee $25.00 per item
Card Blocked for Negative Balance $5.00
Card Unblocked per Members’ Request $5.00
Cashier’s Check $5.00 per item
Cashier’s Check Delcaration of Loss Fee $5.00 per item
Cashier’s Check Copy Fee $5.00 per item
Account Escheat Fee $50.00 per member
Check Cashing for Non-Members $5.00 per check
Check Stop Payment Fee $10.00 per check
Block of Checks Stop Payment Fee $25.00 (5 or more in sequence)

 

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

 

Dividend Rates1 (APY2 as paid on 12/31/2015)
Shares – $25.00 minimum balance3 0.02%
Share Draft minimum balance $5.00 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 01/01/2017)
Signature Loan as low as 9.50% up to 48 months
New Vehicle Loan – 2016 to 2017 as low as 3.00% up to 48 months
as low as 3.49% 49 to 60 months
as low as 4.00% 61 to 70 months
as low as 5.00% 73 to 84 months
Used Vehicle Loan – 2 to 4 years old

(2015-2013)

 

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

(2012 – older)

as low as 3.99% up to 48 months
as low as 4.50% 49 to 60 months
New Boat and Camper Loans – 2016 to 2017 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 – 2015-2013 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 -2012 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
VISA – no annual fee 11.50% periodic rate of 0.9583% per month
5Annual Percentage Rate

 

Equal-Housing
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government

ncua_new
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.