dividend rates
loan rates
fee schedule
|
Dividend Rates
Effective April 1, 2008
Account Type |
APR |
APY |
Regular Share Account |
1.25% |
1.26%
|
Christmas Club |
1.00% |
1.00%
|
|
APR=Annual Percentage Rate
APY=Annual Percentage Yield
|
Loan Rates
Effective April 1, 2008
Loan Type |
Term |
Conditions |
Maximum Financed |
Rate |
New Car, Truck,
Motorcycles, boats |
72 mos. |
over
$25,000 |
up to
100% MSRP |
4.99% |
New Car, Truck,
Motorcycles, boats |
60 mos. |
under
$25,000 |
up to
100% MSRP |
4.99% |
Used Car, Truck,
Motorcycles, boats
('07-'08) |
60 mos. |
|
up to
100% NADA Retail Value |
5.99% |
Used Car, Truck,
Motorcycles, boats
('05-'06) |
48 mos. |
|
up to
100% NADA Retail Value |
5.99% |
Used Car, Truck,
Motorcycles, boats
('03-'04) |
36 mos. |
|
up to
100% NADA Retail Value |
5.99% |
Used Car, Truck,
Motorcycles, boats
('01-'02) |
24 mos. |
|
up to
100% NADA Retail Value |
5.99% |
Refinanced Car
('01-'08) |
Remaining
Term |
|
up to
100% NADA Retail Value |
5.99% |
Signature Advance |
12 mos. |
$1 to
$1800 |
|
15.00% |
Signature Advance |
18 mos. |
$1801 to
$3000 |
|
15.00% |
Signature Advance |
24 mos. |
$3001 to
$5000 |
|
15.00% |
Signature Advance |
30 mos. |
$5001 to
$7500 |
|
15.00% |
Co-Maker Loan |
Terms
same as Signature Advances |
Amounts same as Signature Advances |
Co-Maker must sign guarantor agreement |
15.00% |
Line of Credit |
$500 to
$2000 |
$125/mo. |
2times monthly
pay up to $10,000 |
12.00% |
Line of Credit |
$2001 to
$5000 |
$225/mo. |
2times monthly
pay up to $10,000 |
12.00% |
Line of Credit |
$5001 to
$10,000 |
$275/mo. |
2times monthly
pay up to $10,000 |
12.00% |
Share Secured |
36 mos. |
|
up to
Total Share Balance |
current share rate
+2.00% |
Single Payment Advance |
90
days |
$1 to
$1000 |
Loan
must be paid in full at end of 90 days. |
10.00% |
Single Payment Advance |
90
days |
$1001
to $7500 |
Loan
must be paid in full at end of 90 days. |
15.00% |
HELOC |
180
months |
5 year draw |
up to 90% of equity |
Variable Rate Prime – 1.50% |
Rates are subject to change at any time.
|
|
|
|
Effective April 1, 2008
|
Fee Type |
Cost |
|
Membership |
$0.25 |
|
Stop Payment |
$35.00 |
|
Excessive Withdrawal |
$5.00 |
|
Money Order |
$1.00 |
|
Cashiers Check |
$2.00 |
|
Wire Transfer In |
$10.00 |
|
Wire Transfer Out |
$10.00 |
|
Verification of Deposit |
$10.00 |
|
Dormant Account (no activity for 6 months) |
$5.00 |
|
Returned Deposit Items |
$15.00 |
|
ACH Returned Items |
$15.00 |
|
Closing Membership (in first 90 days and still employed) |
$25.00
|
|
Single Payment Loan Late Fee (after 10 days) |
$5.00 |
|
ACH Non-Sufficient |
$20.00
|
|
Incorrect Address Fee (home address only) |
$1.00 |
|
Redeposit of Third Party Check |
$10.00 |
|
Early Withdrawal from Christmas Club |
$25.00 |
|
Copy of Statement |
$1.00 per page |
|
Loan Late (after 10 days) |
5% of payment - min. of $5.00 |
|
|
