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: 5/08/2021

Type	Maximum Term	Initial Rate	Annual Percentage Rate	Loan to Value
Adjustable Rate Mortgage (ARM)
5 Year ARM	30 Years	2.750%	2.827%	80% or less
5 Year ARM	30 Years	2.950%	3.224%	80.1% to 90%
5 Year ARM	30 Years	3.150%	3.620%	90.1% to 100%
5 Year ARM	30 Years	4.500%	4.788%	100.1% to 110%
Fixed Rate Mortgage
10 Year Fixed Rate	10 Years	2.75%	2.958%	90% or less
10 Year Fixed Rate	10 Years	2.95%	3.160%	90.1% to 100%
15 Year Fixed Rate	15 Years	2.95%	3.094%	90% or less
15 Year Fixed Rate	15 Years	3.25%	3.396%	90.1% to 100%
20 Year Fixed Rate	20 Years	2.95%	3.061%	90% or less
20 Year Fixed Rate	20 Years	3.50%	3.614%	90.1% to 100%
30 Year Fixed Rate	30 Years	3.25%	3.329%	90% or less

Effective Date: 3/13/2021

Type/Maximum Term		APR
Fixed Rate New Vehicles
Maximum Term	% of MSRP
Up to 36 Months	Up to 110%	2.95%
37 - 60 Months	Up to 110%	3.50%
61 - 72 Months	Up to 110%	3.95%
Fixed Rate Used Vehicles
Vehicle Age	Maximum Term
Up to 5 Years Old	Up to 60 Months	3.95%
6 - 10 Years Old	Up to 48 Months	3.95%
Other Loans
Share Secured Fixed Installment
Up to 24 months		4.50%
From 25 - 48 months		4.75%
Share Secured Term Note		4.00%
Open-End Variable Rate Signature		10.75%
Closed-End Variable Rate Signature		10.75%

Effective Date: 1/21/2021

Account Type			Direct Payment APR
Visa® Credit Card - Variable Rate			7.75%

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
CashPoints® Global Account
Monthly Maintenance	$1.00
Stop Payment Order	$8.00
Share (Savings), Money Market, IRA, SEP and CESA Accounts
Service Fee - Share, IRA, SEP and CESA4	$0
Service Fee - Money Market Shares4	$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 for more information.


APR = Annual Percentage Rate / APR is your cost over the loan term expressed as a rate. Stated APR for LTV programs 100% or less based on a purchase transaction with a loan amount of $150,000 for a maximum term allowed for each loan program. Stated APR for LTV programs above 100% based on a refinance transaction with a loan amount of $150,000 for a maximum term allowed for each program.
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.
⁴No 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.