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FEES & RATES
Effective Date: 5/26/2011
(These fees may change at any time at the Credit Union’s sole discretion.)
CREDIT UNION MEMBERSHIP
SHARE SAVINGS ACCOUNT FEES
- Minimum Balance: $25
- Excessive Withdrawal Fee: $1.00 per item after three (3) withdrawals per month.
SHARE DRAFTS (CHECKING ACCOUNTS)
| NSF or Overdraft Fee
|
$25.00 per item. |
| Stop Payment Fee |
$15.00 per item. |
| Monthly Maintenance Fee |
$5.00 per month. (waived with direct
deposit) |
| Check Copy |
$ 1.00 per item (2 free per statement cycle) |
| Statement Copy |
$ 2.00 |
| Check Printing Fee |
Prices vary depending upon style. |
OTHER FEES
| Returned Deposited Item
|
$ 10.00 per item |
| ATM Deposit Adjustment |
$10.00 |
| Returned Foreign Check |
$20.00 per item |
| Debit Card Replacement |
$5.00 (Limit 2, then $25.00) |
| Debit Card Rush Order |
$40.00 |
| Credit Union Checks |
$1.00 each (first check free) |
| Dormant Account Fee
|
$3.00 monthly |
| Domestic & International Wires |
$35.00 each |
| Loan Processing Fee |
$15.00 |
| Online Bill Pay Plus |
$5.00 monthly (First month free) |
FREE SERVICES
- MasterCard ATM/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 owner.)
- 24-Hour Member Information Line
- Online Banking
- Automatic Overdraft Transfers
- Shared Branch Banking
- Automatic Deposit
- Financial Counseling
- Financial Literacy Education
- VITA Income Tax Assistance
RATES EFFECTIVE October 1, 2010
Savings Account Rates
| $100 to $24,999 |
0.10%
APY* |
| $25,000 to $49,999 |
0.15%
APY* |
| $50,000 and over |
0.25%
APY* |
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| LOANS |
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| Loan Type |
Term |
APR* |
| SHARE SECURED |
3% over current rate received
(balance in account less $25.00) |
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UNSECURED LOANS
|
up to 48 months
|
12%
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NEW AUTOS
(Rates good until
September 30, 2011) |
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| New Loan |
|
3.49% |
| New Loan |
Automatic Payments |
2.99% |
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USED AUTOS
(Rates good until
September 30, 2011) |
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| New Loan |
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4.49% |
| New Loan |
Automatic Payments |
3.99% |
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| **** Please note: On older
model cars financing may only be offered up to 48 months
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| SMALL BUSINESS LOANS |
up to 60 months |
8.00% |
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****For members who have direct deposit and automatic payments a .50%
interest rate loan discount will apply****
ABOVE RATES ARE BASED ON GOOD CREDIT. RATES MAY BE ADJUSTED UP TO 4.50% FOR SUBSTANDARD CREDIT
*APR = Annual Percentage Rate
*APY = Annual Percentage Yield
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