Effective as of: 1/1/2025

Loan Rates

New Car Rates

New Car Rates
Term APR*
36 Months - 60 Months 5.99%
72 Months 6.25%
84 Months - 96 Months 6.50%

Used Car Rates

Used Car Rates
Year Term APR*
2022-2019 60 Months 6.25%
2018-2014 60 Months 6.75%
2014 and Under 36 months 36 Months 6.75%

Must be new purchase or transfer from other lending institution.

Fee Schedule

Share Account Fees

Share Account Fees
Type Fee
Prime Share Account Excess Withdrawal $5/Withdrawal if more than 6 widthdrawals per quarter
Christmas Club Account Withdrawal $10/Withdrawal if prior to October 1

Share Draft Account Fees

Share Draft Account Fees
Type Fee
Overdraft $35
NSF $35
Stop Payment $20/Request
Share Draft Printing Prices may vary depending upon style
Share Draft Monthly Service $5/Month if minimum balance is not maintained or net check is not deposited
Share Draft NSF Transfer $10/Transfer
Share Draft Check Copy $3/Check

Other Service Fees (applicable to all accounts)

Other Service Fees
Type Fee
Account Reconciliation $25/Hour
Account Research $25/Hour
Statement Copy $5
Deposited Item Return $35
Item Sent for Collection At Cost
Wire Transfer $20 - $35/Transfer
Certified Check $2/ Check
Money Order $1.50/Money Order
Legal Process Actual cost of fees
Account Transfer $10/Transfer
Instant Staement $2.50/Statement
Reopen Closed Account $10 if reopend within 1 year
Closed Account Within 90 Days of Establishing $25
Loan Application $25
CU Corporate Check Stop Payment $35/Check

Inactive Maintenance

Inactive Maintenance
Type Fee
ACH Return Item $35
Returned Mail (Address Correction) $2
Counter Checks $0.25
Credit Union Checks Issued to Third Party $2
Overnight Mail $20 Plus $5

ATM- Check Cards

ATM- Check Cards
Type Fee
Initial Card Free
Replacement Cards $20
Inquiry $0.50
Internet Usage $2

Audio Response

The use of our toll-free 800 number to process transactions and inquire into your account is FREE. All you need to access this services is your ATM PIN.

Should you telephone the Credit Union to preform any of the services available on Audio Response, the charge will be $3.

Point of Sale (Debit Card)

Point of Sale (Debit Card)
Type Fee
POS NSF $35

Share Value/membership Fee

Share Valuemembership Fee
Type Fee
Par Value of One Share $50

The rates and fees appearing with this Schedule are accurate and effective for accounts as of the last dividend declaration date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rates and fee information on your accounts, please call the Credit Union.

Certificate Rates

Certificate Rates
Term Rate
90 Days 1.00%
6 Months 4.00%
12 Months 4.00%
24 Months 3.50%
36 Months 3.50%
18 Months IRA 3.50%

Savings Rates

Savings rates
Term APY**
Savings 0.50%
Checking 0.25%