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FEES & RATES
Effective Date: 6/1/08
(These fees may change at any time at the Credit Union’s sole discretion.)
SHARE SAVINGS ACCOUNT FEES
- Excessive Withdrawal Fee: $1.00 per withdrawal after three (3) withdrawals per month.
CHECKING ACCOUNT FEES
| • NSF Fee
|
$20.00 per item. |
| • Stop Payment Fee |
$10.00 per item. |
| • Monthly Maintenance Fee |
$ 5.00 per month. (waived with direct
deposit or balances over $1,000) |
| • Check Photocopy |
$ 1.00 each (2 free per statement cycle) |
| • Check Photocopy |
$ 2.00 each (greater than 90 days from
paid date) |
| • Statement Copy |
$ 2.00 each |
| • Check Printing Fee |
Prices vary depending upon style. |
| •
Internet Bill Pay |
First 2 months FREE, $5 per month thereafter |
OTHER SERVICE FEES (Applicable to all accounts)
| • Deposited Item Return Fee
|
$ 10.00 per item |
| • Foreign Check Return Fee |
$10.00 per item |
| • Money Order Fee |
$ 1.00 each |
| • Dormant Account Fee
|
$ 1.00 monthly |
| • Domestic/International Wires |
$35.00 each |
| • International Wires |
$35.00 each |
| • Loan Processing Fee |
$10.00 per application |
CREDIT UNION MEMBERSHIP
- Membership Share: $5.00 par value.
FREE SERVICES
- Internet On-line Accounts
- MasterCard “Master Money” Debit Card
- ATM transactions at Co-Op machines
(When you use an ATM not owned by the Co-Op you may be charged a fee by the ATM operator.)
- 24-Hour Member Information Line
- Overdraft Transfers
- Automatic Deposit
- Financial Counseling
- Financial Literacy Classes
- Income Tax Assistance
DEPOSIT RATES
Savings Account Rate . . . . . . . . . . . . . .0.50% APY*
• Earns Interest on Minimum Daily Balances (MDB) over $100
• Minimum Balance Required $25
Savings Account Rate with MDB of $25,000 to $50,000 earns .75%APY*
Savings Account Rate with MDB over $50,000 earns 1.0% APY*
Christmas Club Rate . . . . . . . . . . . . . . .0.50% APY*
• Earns Interest on Minimum Daily Balances over $100
Share Draft Rate . . . . . . . . . . . . . . . . . .0.25% APY*
• $100 Minimum Opening Deposit
• No Minimum Balance Required
• Earns Interest on Minimum Daily Balances over $1,000
LOAN RATES
Share Secured . . . . . . . . . . . . . . . . . . . .3.0% APR*
• No Maximum
Unsecured . . . . . . . . . . . . . . . . . . . . . . .12.00% APR*
• Maximum $5,000, 48 Months
New Car
• Maximum 72 Months
100% Financing . . . . . . . . . . . . . . . .7.50% APR*
90% Financing . . . . . . . . . . . . . . . .6.50% APR*
80% Financing . . . . . . . . . . . . . . . .5.50% APR*
Used Car
• Maximum 60 Months*
100% Financing . . . . . . . . . . . . . . . .7.50% APR*
90% Financing . . . . . . . . . . . . . . . .6.50% APR*
80% Financing . . . . . . . . . . . . . . . .5.50% APR*
* Financing on older model cars may be limited to 48 months.
LOAN RATES SHOWN MAY BE INCREASED UP TO
3 PERCENTAGE POINTS FOR SUBSTANDARD
CREDIT *APR = Annual Percentage Rate
*APY = Annual Percentage Yield
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