Rates & Fees

Quoted rates, dividends, annual percentage yields (APY) and annual percentage rates (APR) are subject to change daily at the discretion of the Board of Directors. Fees, early withdrawal penalties or other conditions may reduce earnings on an account.


Effective Date: 2/1/2019

Type	Maximum Term	Initial Rate	Annual Percentage Rate	Loan to Value
Adjustable Rate Mortgage (ARM)
5 Year ARM	30 Years	3.875%	4.197%	80% or less
5 Year ARM	30 Years	4.375%	4.697%	80.1% to 90%
5 Year ARM	30 Years	4.875%	5.196%	90.1% to 100%
5 Year ARM	30 Years	5.875%	6.196%	100.1% to 110%
Fixed Rate Mortgage
10 Year Fixed Rate	10 Years	3.75%	3.91%	90% or less
10 Year Fixed Rate	10 Years	4.25%	4.41%	90.1% to 100%
15 Year Fixed Rate	15 Years	4.25%	4.399%	90% or less
15 Year Fixed Rate	15 Years	4.75%	4.901%	90.1% to 100%
20 Year Fixed Rate	20 Years	4.75%	4.868%	90% or less
20 Year Fixed Rate	20 Years	5.25%	5.371%	90.1% to 100%

Effective Date: 1/2/2019

Type/Maximum Term		Payroll Deduction APR	Direct Payment APR
Fixed Rate New Vehicles
Maximum Term	% of MSRP
Up to 36 Months	Up to 110%	3.75%	4.25%
37 - 60 Months	Up to 110%	4.25%	4.75%
61 - 72 Months	Up to 110%	4.75%	5.25%
Fixed Rate Used Vehicles
Vehicle Age	Maximum Term
Up to 5 Years Old	Up to 60 Months	5.50%	6.00%
6 - 10 Years Old	Up to 48 Months	5.50%	6.00%
Other Loans
Share Secured Fixed Installment
Up to 24 months		4.50%	4.50%
From 24 - 48 months		4.75%	4.75%
Share Secured Term Note			4.00%
Open-End Variable Rate Signature		10.75%	11.25%
Closed-End Variable Rate Signature		10.75%	11.25%

Effective Date: 1/21/2019

Account Type			Direct Payment APR
Visa® Credit Card - Variable Rate			10.25%

Effective Date: 1/25/2016

Type	Amount
Share Draft (Checking) Account
Monthly Maintenance	$1.00
Service Fee3	$0
Insufficient Funds Check	$20.00
Stop Payment Order	$8.00
BillPay Service - 1st 50 payments per month free4	$0
CashPoints® Global Account
Monthly Maintenance	$1.00
Stop Payment Order	$8.00
BillPay Service - 1st 50 payments per month free4	$0
Share (Savings), Money Market, IRA, SEP and CESA Accounts
Service Fee - Share, IRA, SEP and CESA5	$0
Service Fee - Money Market Shares5	$0
ATM, Debit and CashPoints Global Cards
Transaction Fee	$0
Reissue Card Replacement	$3.00
PLUS® Network Completed Transaction/Inquiry Fee	$0.75
PLUS Network Denied Transaction/Inquiry Fee	$0.35
Credit Card
Visa Annual Fee	$0
Late Payment Fee	$5.00
Exceed Credit Line Fee	$0
Miscellaneous
Returned Check / Item for Deposit or Payment	$12.00
Verification of Deposit Request	$10.00
Retro/Historical VOD Request	$20.00

Please review the Account Rules and Regulations Brochure for more information.


¹Minimum deposit must be maintained to earn interest.
²Once the account balance reaches $25, it must be maintained.
³No service fee for Checking accounts if the minimum balance of $100 is maintained. A $.15 per check processed fee will be charged should the balance go below the minimum.
⁴Additional payments are $.20 each. This fee is debited from the designated account.
⁵No service fee for Share, IRA, SEP, CESA, and Money Market accounts if the minimum balance is maintained. A $1 per month service fee will be charged for Share, IRA, SEP, and CESA accounts that fall below the minimum balance of $25.00. A $2 per month service fee will be charged for Money Market accounts that fall below the minimum balance of $250.00.