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Deposit Rates*
Checking / APY
Share / APY
Money Market / APY
Health Savings / APY

Loan Rates*
Used Vehicle APR
5-Year ARM / APR
Visa Credit Card APR

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.

Deposit Products


Youth Accounts


Share Term Certificate


Mortgage Lending

Effective Date: 3/1/2017
Type Maximum Term InitialRate Annual Percentage Rate Loan to Value
Adjustable Rate Mortgage (ARM)
5 Year ARM 30 Years 3.50% 3.560% 80% or less
5 Year ARM 30 Years 4.00% 4.062% 80.1% to 90%
5 Year ARM 30 Years 4.50% 4.564% 90.1% to 100%
5 Year ARM 30 Years 5.50% 5.568% 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 4.50% 4.62% 90% or less
15 Year Fixed Rate 15 Years 5.00% 5.11% 90.1% to 100%


Personal Lending

Effective Date: 6/8/2012
Type/Maximum Term   Payroll Deduction APR Direct Payment APR
Fixed Rate New Vehicles
Maximum Term % of MSRP    
Up to 36 Months Up to 110% 1.75% 2.25%
37 - 60 Months Up to 110% 2.75% 3.25%
61 - 72 Months Up to 110% 3.75% 4.25%
Fixed Rate Used Vehicles
Vehicle Age Maximum Term  
Up to 5 Years Old Up to 60 Months 4.75% 5.25%
6 Years Old or Greater Up to 48 Months 4.75% 5.25%
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 Deed of Trust 9.75% 10.25%
Closed-End Variable Rate Signature 10.75% 11.25%


Credit Card

Effective Date: 1/21/2017
Account Type     Direct Payment APR
Visa® Credit Card - Variable Rate   8.25%


Fees

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.