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Current rates & fees
Share & IRA CertificatesRates effective September 2, 2010
| Account Type | Term | APR | APY | Min. Balance | | | Share & IRA Certificates | 3 Months | 0.65% | 0.65% | $1000 | | 6 Months | 0.80% | .080% | $1000 | | 1 Year | 1.25% | 1.26% | $500 | | 18 Months | 1.50% | 1.51% | $500 | | 2 Years | 1.75% | 1.76% | $500 | | 3 Years | 2.25% | 2.27% | $500 | | 4 Years | 2.50% | 2.53% | $500 | | 5 Years | 2.75% | 2.78% | $500 |
Rates subject to change
APR (Annual Percentage Rate)
APY(Annual Percentage Yield)
Regular fees or other conditions could reduce the yield.
Interest penalty is required for early withdrawals. Dividends paid monthly.
Accounts Federally Insured to at least $250,000 by NCUA, an agency of the U.S. Government
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Premium SavingsRates effective September 2, 2010
| Account Type | APR | APY | Min. Balance | | | Premium Savings | 0.60% | 0.60% | $2,000 - $10,000 | | 0.85% | 0.85% | $10,001 - $50,000 | | 1.10% | 1.11% | $50,001 - $100,000 | | 1.35% | 1.36% | $100,001 & over |
Rates may change after account is opened.
APR (Annual Percentage Rate)
APY(Annual Percentage Yield)
Dividends paid monthly
Accounts Federally Insured to at least $250,000 by NCUA, an agency of the U.S. Government
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IRA Club AccountRates effective September 2, 2010
| Account Type | APR | APY | Min. Balance | | | IRA Club Account | 1.00% | 1.00% | $100 |
Rates may change after account is opened.
APR (Annual Percentage Rate)
APY(Annual Percentage Yield)
Dividends paid quarterly.
Accounts Federally Insured to at least $250,000 by NCUA, an agency of the U.S. Government
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Share AccountRates effective September 2, 2010
| Account Type | APR | APY | Min. Balance | | | Share Account | 0.50% | 0.50% | 0- $100.00 | | 0.50% | 0.50% | $100.01 - 500.00 | | 0.50% | 0.50% | $500.01 and over |
Rates may change after account is opened.
APR (Annual Percentage Rate)
APY(Annual Percentage Yield)
Dividends paid quarterly.
Accounts Federally Insured to at least $250,000 by NCUA, an agency of the U.S. Government
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Draft AccountRates effective September 2, 2010
| Account Type | APR | APY | Min. Balance | | | Draft Account | 0.00% | 0.00% | $0 - $2500.00 | | 0.50% | 0.50% | $2500.01 and over |
Rates may change after account is opened.
APR (Annual Percentage Rate)
APY(Annual Percentage Yield)
Dividends paid quarterly.
Accounts Federally Insured to at least $250,000 by NCUA, an agency of the U.S. Government
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Vehicle RatesRates effective August 4, 2010
| Account Type | Model Year | Term | APR (as low as) | | | | Vehicle Loan | 2011-2010 | Up to 63 Months | 3.99% | | | 66 Months | 4.24% | | | 72 - 75 Months | 4.74% | | | 84 Months | 5.79% | | | 2009 | Up to 63 Months | 4.14% | | | 66 Months | 4.49% | | | 72 Months | 4.99% | | | 2008 | Up to 63 Months | 4.24% | | | 66 Months | 4.59% | | | 72 Months | 5.14% | | | 2007 | Up to 63 Months | 4.34% | | | 66 Months | 4.79% | | | 72 Months | 5.49% | | | 2006 | Up to 63 Months | 4.59% | | | 66 Months | 4.99% | | | 2005 | 60 Months | 4.59% | | | 2004 | 48 Months | 5.59% |
Example: A $10,000 loan financed for 63 months at 3.99% would result in a payment of $176.75.
Rates are based on credit score, vehicle age and term of loan. Sign up for automatic payments and take 0.25% off your auto loan rate. Contact your local branch for more details.
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Recreational VehiclesRates effective August 4, 2010
ATV, Motorcyles, Pop-Up Campers, Boats, Compact Tractors and Snowmobiles| Account Type | Model Year | Term | APR (as low as) | | | | Recreational Vehicle Loan | 2011-2010 | Up to 60 Months | 4.14% | | | 66 Months | 4.99% | | | Up to 72 Months* | 5.24% | | | 2009-2008 | Up to 60 Months | 4.74% | | | 66 Months* | 5.24% | | | 2009 | Up to 72 Months* (2009 only) | 5.49% | | | 2007-2006 | Up to 48 Months | 4.99% | | | 60 Months* | 5.74% | | | 2005-2004 | up to 48 Months | 5.24% | | | 2005 | 60 Months* (2005 only) | 5.99% |
*Amount Financed $15,000.00 and above.
Example: A $5,000 loan financed for 60 months at 4.14% would result in a payment of $92.70.
Rates are based on credit score, model year and term of loan. Sign up for automatic payments and take 0.25% off your recreational vehicle loan rate. Contact your local branch for more details.
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Mortgage LoansRates effective February 1, 2010
| Account Type | Term | APR | | | | Mortgage Loan | 10 Years | 4.15% | | 15 Years | 5.15% | | 20 Years | 5.75% | | 30 Years | 6.15% |
Example: A $50,000 loan financed for 15 years at 5.15% would result in a payment of $399.33.
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Fixed Rate Home Equity LoanRates effective February 1, 2010
| Account Type | Term | Fixed APR | | | Fixed Rate Home Equity | 5 Years | 3.99% | | 10 Years | 5.65% | | 15 Years | 5.79% | | 20 Years | 6.15% |
Example: A $25,000 loan financed for 10 years at 5.65% would result in a payment of $273.17.
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Home Equity Lines of CreditRates effective February 1, 2010
Prime + 0.00% with a floor of 4.00% . Payment is 2% of balance at most recent advance.
Example: A $5000.00 balance would result in a payment of $100.00 at 4.00% for 55 months.
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Travel Trailers, 5th WheelsRates effective August 4, 2010
| Account Type | Model Year | Term | APR | | | | Travel Trailers, 5th Wheels | 2011 | Up to 60 months | 5.49% | | | Up to 120 months | 6.49% | | | 2010 - 2006 | Up to 60 months | 5.74% | | | Up to 120 months | 6.74% | | | 2005 - older | Up to 60 months | 6.99% |
Example: $10,000.00 financed for 60 months at 5.49% would have a payment of $191.78.
Sign up for automatic payments and take 0.25% off your travel trailer or 5th wheel loan rate.
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Share Secured LoansRates effective September 2, 2010
3.00% Above current share rate.
Example: $2000.00 financed for 24 months at 3.50% would result in a payment of $86.41.
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Share Certificate Secured LoanRates effective September 2, 2010
3.00% Above rate paid on Share Certificate.
Example: $2000.00 financed for 24 months at 4.75% would have a payment of $87.67.
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Unsecured Personal LoansRates effective May 26, 2009
As low as 11.00% APR (Minimum payment $35.00 with maximum term of 36 months).
Example: $3000.00 financed for 36 months at 11.00% would have a payment of $98.23.
Sign up for automatic payments and take 0.25% off your loan rate.
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Overdraft Protection LoanRates effective January 1, 2009
As low as 11.00% APR (Minimum payment $35.00 or 5.00% of the balance at time of last advance, whichever is greater)
Example: $500.00 financed for 16 months at 11.00% would have a payment of $35.00.
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Savings Account FeesRates effective June 1, 2007
| Account Type | Amount | Comments | | | | History | $1.00 | Per request | | | NSF | $25.00 | Per item | | | Inactivity Fee | $2.50 | per month (No activity for 1 year, balance less than $100, and no subaccounts) | | | Microfiche Copy | $1.00 | Per request
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Share Draft Checking Account FeesRates effective June 1, 2007
| Account Type | Amount | Comments | | | NSF | $25.00 | Per item | | | Temporary Draft | $0.25 | Per item (with Check Order)
| | $1.00 | Per item (without Check Order) | | | Copy of Share Drafts | $2.00 | Per item | | | Account History | $1.00 | Per item | | | Stop Payment | $15.00 | Per item | | | Service Fee (balance below $300.00) | $2.00 | Per month | | | Business Share Draft | $0.08 | Per item deposit
| | | Draft Printing Fee | Price varies depending on style | | | | Account Reconciliation | $20.00 | Per hour
| | | Deposited Item Returned | $10.00 | Per item | | | Overdraft Protection | $1.00 Maximum 6 per month | Per transfer
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Other Service Fees (applicable to all accounts)Rates effective June 1, 2007
| Account Type | Amount | Comments | | | Travelers Checks - Single Signature | $1.50 | Per $100
| | | Travelers Checks - Dual Signature | $2.00 | Per $100 | | | Money Orders | $1.50 | Per item
| | | Wire Transfers - Outgoing Domestic | $15.00 | Per transfer | | | Wire Transfers - Outgoing Foreign | $30.00 | Per transfer
| | | Wire Transfers - Incoming | $2.00 | Per transfer | | | Statement Copy | $3.00 | Per statement
| | | Returned Statement Fee | $3.00 | Per statement
| | | Audio Response | No Fee | | | | Loan Payment Late Fee | $20.00 | 20 days or more past due | | | Closing Account within first 180 days | $5.00 | Per account |
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Electronic Funds Transfer Fees (NEACH)Rates effective June 1, 2007
| Account Type | Amount | Comments | | | Non-Proprietary | $1.00 | Per transaction | | | Transfers, inquiries, denials, withdrawal-proprietary (credit union owned) | No Fee | | | VISA Check Card Replacement | $10.00 | per card |
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