Share/Savings Accounts
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Club Accounts and Share Savings
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Christmas Club |
.10 Div. Rate |
.10 APY * |
(Begins Each November) |
Vacation Club |
.10 Div. Rate |
.10 APY * |
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Share Certificate Accounts |
12 Month Term |
1.10 Div. Rate |
APY * |
Penalties For Early Withdrawal |
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Regular Shares |
.10 Div. Rate |
.10 APY * |
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Loan Accounts
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Unsecured Loans (Signature) |
Up to 15% Annual Income, up to $7500 |
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Line Of Credit |
As Low As 9.95% APR |
Up To 60 Months |
Up to 15% Annual Income, up to $7500 |
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Share-Secured Loans |
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4% Above Share Or CD Rate APR |
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Vehicle Loans |
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New Auto |
Rate As Low As 2.49% APR |
And Terms Up To 84 Months |
Used Auto 2020 – 2016 |
Rate As Low As 2.49% APR |
And Terms Up To 84 Months |
Retail Value NADA |
Used Auto 2015 and Older |
Rate As Low As 4.49% APR |
And Terms Up To 60 Months |
Retail Value NADA |
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Recreational Vehicle Loans And Farm Equipment |
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Watercraft, Motorcycle, RV’s, Campers, Side by Side, Motor Homes, Farm Equipment |
Rate As Low As 3.49% APR |
Terms up to 84 Months $20,000 or Greater Up To 120 Months |
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Fees & Disclosures
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Deposit Account Fees |
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Share Draft NSF Per Item |
32.00 |
Share Draft Stop Payment |
20.00 |
Photocopy Of Draft Fee |
5.00 Per Item |
Christmas Club Advance Withdrawal |
5.00 Per Withdrawal |
Annual ATM Fee |
12.00 Per Card |
VISA DEBIT Card Replacement Fee |
15.00 Per Card |
VISA DEBIT Card Pin Number Change (After First Change) |
10.00 Per Request |
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Miscellaneous Fees |
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Printed Account History |
2.00/Printout |
Statement Copy Fee |
5.00/Per Statement |
Account Research |
10.00/Per Hour |
Account Reconciliation |
10.00/Per Hour |
Deposited Item Return Fee |
10.00/Per Item |
Inactive Account Fee |
20.00 Annually |
Wire Transfer Fee (Outgoing) |
15.00/Per Transfer |
Certified Check |
2.00 Per Check |
EFT Overdraft Fee |
32.00 Per Item |
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RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE – AS OF DECEMBER 22, 2016