Rates & Fees

Loan Rates
NameRate
Shares secured 6.00%
Signature 15%

Savings Rates

Saving Rates
NameRate
Passbook 0.10%
IRA Passbook 0.10%
6-month, 1 and 2 year CD Contact our office
Dividend Rates as of 10/01/2018 Click here for rates

Fees for Special Services
ServiceAmount
Deposited checks (and other items) returned unpaid $30.00
Copy of draft $10.00
Under minimum of required balance of $100.00 $10.00
Wire transfer out (call office for details) $25.00
Check withdrawal from Savings (First two are free, thereafter each check) $5.00
Overdraft charge for each Debit $26.50
Shares Drafts order Varies
ATM withdrawals $1.25
ATM point of sale $.40
ATM replacement card $10.00
ATM deposit $2.50
Money order $2.00
STOP Payment on all checks $31.50
Gift cards $3.00
Account activity printout $5.00
Cashier Check $5.00
Pre-paid Visa card $10.00
Account research or balancing assistance (per each account and hour) $25.00
Return Mail $10.00
Filing fee for loan $10.00
Pre-Paid Visa Card money Load: First is free, thereafter (Daily) $2.00

New Car Rates (Effective 02/25/2021)

2021
Scores36 Months48 Months60 Months72 Months84 Months
A/0-200 2.00% 2.75% 2.99% 3.99% 4.99%
B/201-299 3.00% 3.50% 3.99% 4.99% 5.99%
C/300-600 6.90% 8.50% 8.75% 9.50% 9.50%
D/601-1000 7.50% 9.00% 9.50% 10.50% 10.50%

2020
Scores36 Months48 Months60 Months72 Months84 Months
A/0-200 2.00% 2.90% 3.99% 4.50% 5.50%
B/201-299 4.00% 4.90% 5.00% 5.50% 6.00%
C/300-600 7.50% 8.50% 10.00% 10.50% 11.00%
D/601-1000 9.50% 10.00% 11.00% 11.50% 12.00%

All other years (2019 to 2016)
Scores36 Months48 Months60 Months72 Months
A/0-200 2.50% 3.90% 4.25% 5.50%
B/201-299 4.50% 5.50% 6.50% 7.00%
C/300-600 8.00% 11.50% 12.00% 12.50%
D/601-1000 10.00% 12.00% 12.50% 13.50%

Please include th following for a car loan

  • Loan Application
  • 2 current paystubs
  • Car Insurance
  • 10% of total price of car loan in shares
  • Bill of sale or monthly statement
  • Have everything at the credit union by every Wednesday the loan
    will looked on Thursday

 

***All eligible loans will be scored using an approved credit bureau risk scored. Experian is our credit bureau. This Score will determine the rate the member will receive.

The credit committee meets every Thursday to approve all loans. Please have all paperwork in the office by any Wednesday.