Rates & Fees
| SAVINGS RATES |
|
| Savings Rate (No minimum) |
0.25% APR |
| |
0.25% APY |
| Share Draft Rate (No Minimum) |
0.05% APR |
| |
0.05% APY |
| CERTIFICATES OF DEPOSIT RATES |
|
| Savings |
|
| 6 Month ($1,500 Minimum) |
0.40% APR |
| |
0.40% APR |
| 1 Year ($1,000 Minimum) |
0.50% APR |
| |
0.50% APY |
| 18 Month ($1,000 Minimum) |
0.60% APR |
| |
0.60% APY |
| 2 1/2 Year ($1,000 Minimum) |
0.75% APR |
| |
0.75% APY |
| CERTIFICATES OF DEPOSIT RATES |
|
| IRA (Individual Retirement Acct) |
|
| 6 Month ($1,500 Minimum) |
0.40% APR |
| |
0.40% APY |
| 1 Year ($1,000 Minimum) |
0.50% APR |
| |
0.50% APY |
| 18 Month ($1,000 Minimum) |
0.60% APR |
| |
0.60% APY |
| 2 1/2 Year ($1,000 Minimum) |
0.75% APR |
| |
0.75% APY |
| LOAN RATES |
|
| Share Secured |
2.00% + Dividend Rate |
|
CD Secured
|
2.00% + Dividend Rate |
| Unsecured |
|
10.00% to 12.00% (Base Rate)
Terms up to 36 months
Rate varies based on credit score. |
|
| New Cars (Base Rates) |
3.25% Up to 48 months
|
Financing up to MSRP
Rate varies based on credit score. |
3.50% Up to 60 months |
| |
7.50% Up to 72 months |
| Used Car Rates |
5.00% - Terms & Model Years vary |
Rate varies based on credit score.
Amount financed based on the NADA retail value less 10%. |
|
| VISA Card |
|
12.9%
No Annual Fee |
|
Note: Interest rates change on a weekly basis. Please contact us for current rates.
| FEES |
|
| Service Fee Schedule |
|
| Effective January 1, 2013 |
|
| Account Activity Printout |
N/C |
| Account Balancing Assistance |
N/C |
| Account Closing (within 90 days) |
$25.00 |
| Account Research |
N/C |
| ATM Card (Lost/Stolen) |
$6.00 |
| ATM PIN Reminder |
$6.00 |
| ATM Withdrawals |
$1.00 |
| ATM Denials |
$0.50 |
| Checking Account Request Denial Fee |
$5.00 |
|
Copy of Cancelled Check (Mail)
|
$2.00 |
| Copy of Cancelled Check (Fax) |
$3.00 |
| Dormant Accounts (per qtr.) |
$10.00 |
| Early W/D from Xmas Club |
$20.00 |
| Loan Payoff Statement |
N/C |
| Minimum Balance Fee Mo. (<$50) |
$5.00 |
| NSF Checks |
$28.00 |
| Replacement “Synergy” ID |
$2.00 |
| Return Mail Fee |
$2.00 |
| Reopen account fee |
$20.00 |
| Special Statements/Cutoffs |
N/C |
| Stop Payments (Checking/ACH) |
$20.00 |
| Stop Payments (CU Checks) |
$25.00
|