Share/Savings Accounts
|
|
|
Club Accounts and Share Savings
|
|
| Christmas Club |
.10 Div. Rate |
.10 APY * |
| (Begins Each November) |
| Vacation Club |
.10 Div. Rate |
.10 APY * |
|
| Share Certificate Accounts |
| 12 Month Term |
1.10 Div. Rate |
APY * |
| Penalties For Early Withdrawal |
|
| Regular Shares |
.10 Div. Rate |
.10 APY * |
|
|
Loan Accounts
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|
|
| Unsecured Loans (Signature) |
| Up to 15% Annual Income, up to $7500 |
|
| Line Of Credit |
As Low As 9.95% APR |
Up To 60 Months |
| Up to 15% Annual Income, up to $7500 |
|
|
| Share-Secured Loans |
|
4% Above Share Or CD Rate APR |
|
|
|
| Vehicle Loans |
|
|
| 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 |
|
|
| Recreational Vehicle Loans And Farm Equipment |
|
|
| 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 |
|
|
| 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 |
|
|
| Miscellaneous Fees |
|
|
| 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
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