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Rates

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

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 2012 – 2016 Rate As Low As 2.49% APR And Terms Up To 84 Months
Retail Value NADA
Used Auto 2011 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

Fees & Disclosures

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

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE – AS OF DECEMBER 22, 2016

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