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FEES & RATES
Effective Date: 09/30/2009
(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
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$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, $5 per month thereafter |
OTHER SERVICE FEES (Applicable to all accounts)
| • Deposited Item Return Fee
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$ 10.00 per item |
| • Foreign Check Return Fee |
$10.00 per item |
| • Dormant Account Fee
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$ 1.00 monthly |
| • Domestic 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
- Shared Branch Network
- Overdraft Transfers
- Automatic Deposit
- Financial Counseling
- Financial Literacy Classes
- Income Tax Assistance
DEPOSIT RATES
Savings Account Rates
• Earns Interest on Minimum Daily Balances (MDB)
| • $100 to $24,999 |
0.10%
APY* |
| • $25,000 to $49,999 |
0.15%
APY* |
| • $50,000 and over |
0.30%
APY* |
| • Minimum Balance Required $25 |
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Christmas Club Rate . . . . . . . . . . . . . . . |
0.10% APY* |
| • Earns Interest on Minimum Daily Balances over $100 |
Share Draft
• $100 Minimum Opening Deposit
• No Minimum Balance Required |
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LOAN RATES
Share Secured . . . . . . . . . . . 3.0% over the current dividend
paid.
• No Maximum
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Unsecured . . . . . . . . . . . . . . . . . . . . . . . |
12.00% APR* |
| • Maximum $5,000, 48 Months |
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New and Used Car |
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| • Maximum 72 Months |
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| 100% Financing . . . . . . . . . . . . . . . . |
6.50% APR* |
| 90% Financing . . . . . . . . . . . . . . . . |
5.50% APR* |
| 80% Financing . . . . . . . . . . . . . . . . |
4.50% APR* |
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* Financing on older model cars may be limited to 48 months. |
LOAN RATES SHOWN MAY BE INCREASED UP TO
4.5 PERCENTAGE POINTS FOR SUBSTANDARD
CREDIT
*APR = Annual Percentage Rate
*APY = Annual Percentage Yield
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