Rates

Savings

Interest rates are subject to change without notice. Your rate may change after the account is opened. Fees could reduce earnings. $2,000 minimum daily balance required to avoid low balance fee on Money Market Share Accounts.

Share/Savings Rates as of September 1, 2018
Account Type Minimum to Open Acct Rate Annual % Yield
Share Savings $25.00 0.050% 0.05%
Share Draft $0.00 0.000% 0.00%
Money Market Share <$2,000 0.050% 0.05%
$2,000-$9,999 0.250% 0.25%
$10,000-$24,999 0.300% 0.30%
$25,000-$49,999 0.450% 0.45%
$50,000-$99,999 0.450% 0.45%
$100,000+ 0.550% 0.55%
Christmas Club $0.00 0.050% 0.05%
Do What You Want $0.00 0.050% 0.05%

Loans

Variable Consumer Loan Rates as of September 1, 2018
Loan Product Rate
Secured (Car/Truck/SUV)* as low as…
– up to 48 months 3.25% APR
– 49-84** months 3.25% APR
Secured (Boat/Motorcycle/RV) as low as…
– up to 48 months 3.25% APR
– 49-84** months 3.25% APR
Signature (unsecured) as low as…
– up to 36 months ($500 min.) 7.00% APR†
– 37-48 months ($5000 min.) 7.25% APR†
– 49-60 months ($10,000 min.) 7.50% APR†
Eliteline Line of Credit as low as…
9.00% APR†
Share Secured 2.05% APR

Min. APR for variable rate secured financing is 3.25% APR (except for promotions). Min. APR for variable rate unsecured financing is 6.00% (except for promotions); Min. APR for share secured financing is 2.00%.

Fixed Consumer Loan Rates as of September 1, 2018
Loan Product Rate
Secured (Car/Truck/SUV)* as low as…
– 0-24 months 3.50% APR
– 25-36 months 3.75% APR
– 37-48 months 4.00% APR
– 49-60 months 4.25% APR
– 61-84** months 4.50% APR
Secured (Boat/Motorcycle/RV) as low as…
– 0-24 months 4.75% APR
– 25-36 months 5.00% APR
– 37-48 months 5.25% APR
– 49-60 months 5.50% APR
– 61-84** months 5.75% APR
Signature (unsecured) as low as…
– up to 36 months ($500 min.) 11.25% APR
– 37-48 months ($5000 min.) 11.50% APR
– 49-60 months ($10,000 min.) 11.75% APR
PC Loan (max 36 mo. term) 9.50% APR

*Vehicles over 100,000 miles, add 2% (max. mileage 115,000); Vehicles over 10 years, add 2%.
**84-mo. term with vehicle loans of $25,000 or more.
† 50th Anniversary promotional rates with a minimum loan of $5000. For loans less than $5000, add ½%. Promotion ends 9/30/18.

“As low as” rates are the lowest possible rates for that category and are available to members with excellent credit. Your rate may be higher depending on your credit history.

Real Estate

Variable Rate Home Equity Line of Credit as of September 1, 2018
Loan Product Rate
Primary Residence or 2nd Home as low as …
up to 80% loan-to-value Prime Rate + 0.00%
81-90% loan-to-value Prime Rate + 1.00%
Investment Properties – up to 70% loan-to-value
first lien Prime Rate + 2.00%
second lien Prime Rate + 3.00%

Mortgage rates change daily. Check our rates.
Prime Rate is 5.00% as of June 14, 2018

“As low as” rates are the lowest possible rates for that category and are available to members with excellent credit. Your rate may be higher depending on your credit history.

Fee Schedule

Effective August 1, 2017, the following fees may be assessed against your account.

Fee Schedule
Fee Description Fee Amount
Account Printout $3/pg. ($10/mo. max)
Research Account $25/hr.
Automatic Overdraft Transfer $10.00
ATM/Debit Card Replacement $5.00
ATM Foreign Transactions $1.50
ATM/Debit Card Chargeback (case by case) $20.00
Attachment/Garnishment/Levy $100.00
Cashier’s Check $10.00
Change of Address (from Post Office) $5.00
Closed Account Within 45 Days of Opening $25.00
Club Account Withdrawals Over 4/yr. $5.00
Collection Item Domestic $20.00
Collection Item Foreign $40.00
Copy of Share Draft $5.00
Deposit Returned Item $10.00
Outstanding Deposited Item Returned $10/item/mo.
Draft Printing Depends on Style
Foreign Checks $20.00
Money Market Low Balance $15/occurrence
Money Orders $3.00
Notary Service for Non-Members $2.00
Overdraft of Account/NSF $35.00
Statement – Mailed $2.00
Stop Payment (all types) $35.00
Wire Transfers in/$15; out/$30
Dormant Account (2+years) $3.00/mo.
3rd Party Checks $10.00/item
Below Par (S1 bal. below $25) $5.00/mo.
Negative Balance (after 3 days) $5.00/day
Escheat $75.00
Items Exceeding 500/mo.* $0.30 ea.
Cash Deposits/Withdrawals Exceeding $10,000/mo.* 0.10%
Account Sweep* $10.00
ACH Debit per Transaction* $0.10
ACH Credit per Transaction* $0.10
ACH Returns & NOCs* $5.00

*applies to business accounts only

Safe Deposit Boxes

Safe Deposit Boxes
Size/Fee Description Fee Amount
3x5x22 $30.00
3x10x22 $45.00
5x10x22 $55.00
10x10x22 $75.00
Drilling Charge at cost
Key Replacement $7.50 ea.
Pymt. 30 days past due $5.00