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Loan Rates


Effective Date: October 2013


Loan Type Current Rate* Upper Rate*
Used Car Loan 6.400000 13.50000
New Car Loan 2.750000 11.00000
Declared Business by NCUA 6.250000 14.15000
Share Secured Loan 2.000000 2.000000
Certificate Secured Loan 2.000000 2.000000
Christmas Loan - Unsecured 13.90000 17.90000
Guarantor / Co-Signer 2.000000 17.90000
Motor Homes (RV's) Suspended until further notice 8.150000 12.15000
Vacation Loan -Unsecured 13.90000 17.90000
Boats 4.000000 11.00000
Motorcycles / ATV's 6.000000 12.00000
Campers / Travel Trailers 6.000000 12.00000
Tractors 6.000000 12.00000
Haulers / Trailers 6.000000 12.00000
Mobile Homes 7.000000 11.00000
Revolving (45) Credit Line - Unsecured 13.90000 17.90000
Open End (46) Credit - Unsecured 13.90000 17.90000
Auto or Other Secured + Signature 7.500000 17.90000
Loan Workout 6.000000 6.000000
Calculations Only 4.000000 17.90000
Personal Service Line - Unsecured 18.00000 18.00000


*APR = Annual Percentage Rate

www.annualcreditreport.com


Fee Schedule


Effective Date: October 10, 2013


ALL APPLICATIONS (FIRST TIME) $20.00
CREDIT CARD RETURN CHECKS $30.00
CREDIT CARD ANNUAL FEE SEE NOTE
(ANNUAL FEE FOR CARDS NOT USED 5 TIMES EACH YEAR) $30.00
REPLACE BROKEN/WORN PLASTICS (EXCEPTIONS) $11.00
REACTIVATE SUSPENDED DEBIT/CREDIT CARDS $20.00
CREDIT/DEBIT CARD RUSH (2-DAY SHIPPING) $20.00
DEBIT CARD RUSH (OVERNIGHT) $35.00
CREDIT CARD LATE PAYMENT $30.00
MBR REQUESTED FEDEX MAILINGS $35.00
ACH & ATM TRANSFERS $3.00
SHARE DRAFT TRANSFERS (AFTER 2) $3.00
CASHIER'S CHECKS $3.00
COPY FEES $1.00 per copy
RESEARCH FEES (1 hour minimum) $25.00 per hour
STOP PAYMENT FEE $30.00
LOAN PAYMENT NSF CHECKS BY MEMBER $30.00
RETURN CHECK (DEPOSIT - NON MEMBER CK) $25.00
ON US NSF RETURNS (ALL) $30.00
CLOSED SHARE WITHIN 6 MONTHS $25.00
EXCESSIVE SHARE WITHDRAWAL FEE(AFTER 6 QTLY) $3.00 PER
WIRE TRANSFER FEE INCOMING $15.00
WIRE TRANSFER FEE OUTGOING $30.00
NOTARY SERVICES (FREE FOR MEMBERS) $0.00
(Please limit to two seals per member) ---
NOTARY SERVICES (NON-MEMBERS) $5.00 per seal
LOAN LATE PAYMENTS FEE SEE NOTE
THE GREATER OF 20% OF INTEREST DUE OR $20.00

 
 
 


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