Loan Rates
| Type | Rate | |
|---|---|---|
| Signature | 10.0% - 18.0%* | |
| Share Secured | 2.5%* above share earning rate | |
| Emergency | 18.0%* | |
| New Vehicle (with dealer invoice) | as low as 5.5%* | |
| Used Vehicle | ||
| 2009 | as low as 6.5%* | |
| 2008 | as low as 7.5%* | |
| 2007 – 2006 | as low as 8.5%* | |
| 2005 – 2002 | as low as 9.5%* | |
| New RV's, Motor Homes, Travel Trailers, Campers and 5th Wheels | as low as 5.5%* | |
| New ATV's, 4 Wheelers and Jet Skis | as low as 8.0%* with dealer invoice | |
*On approved credit. All loans are on an individual basis.
Rates effective: Aug 13, 2009. Rates subject to change without notice.
Monthly payment is due on the 15th of each month.
If payment is over 15 days late, there will be a $10.00 administrative late fee.
Fee Schedule | Download Truth in Savings Disclosure
| Type | Amount | Explanation |
|---|---|---|
| Share Account (Savings) | ||
| Membership | $30.00 | $25.00 share and $5.00 new account fee |
| Membership Closing | $10.00 | If account is closed within 90 days |
| Address Change Notification | $1.40/occurrence | Per post office for postage and correction in CU system |
| Bad Address | $5.00/quarter | Returned bad address items |
| Check Cashing Fee | $5.00/occurrence | The fee is waived for accounts with a minimum of $200 in savings, or monthly payroll/direct deposit and/or an outstanding loan balance. Fee is waived if member is under 18. |
| Inactive Account | 5.00/month | Savings only. Fee applies if no activity for more than one year and a balance of less than $300. |
| Returned Deposit | $10.00/item | Charged for each NSF deposit item |
| Returned Payments | $25.00/item | Charged for each deposit returned on the member's account in another institution |
| Statement Copy | $1.00/statement | |
| Share Draft Accounts (Checking) | ||
| New Checking Account | $25.00 | To cover cost of checks |
| Basic Checking | Free | |
| Debit Card | Free | |
| Visa Foreign Exchange | Varies | Visa currency exchange fee passed on to member |
| Check Copy | $2.00/item | Copy of cancelled check |
| $10.00 | Original cancelled check | |
| Stop Payment | $10.00/item | $8.00 extra fee if check hits account |
| Non-Sufficient Funds (NSF) | $25.00/item | Fee applied per transaction of all non-sufficient checks, ACH debits, pre-authorized drafts, Visa debit card transactions |
| Share Draft Account Printouts | $3.00 | |
| Check Orders | Varies | Price set by company |
| Visa Items | ||
| Prepaid CUMoney Card – Initial Cost | $7.00/each | Cost of card. Other Visa fees apply. |
| Prepaid CUMoney Card – Reload | $2.00/each | |
| Prepaid Visa Travel Card – Initial Cost | $5.00/each | Cost of card. Other Visa fees apply. |
| Prepaid Visa Travel Card – Reload | $2.00/each | |
| Visa Gift Card | $2.25/each | Cost of card. Other Visa fees apply. |
| American Express Items | ||
| Travelers Checks | $1.00/per $100.00 | Per American Express |
| Gift Checks | $2.50/each | Per American Express |
| Checks for Two | $2.00/per $100 | Per American Express |
| Miscellaneous Fees | ||
| Research | $15.00/hour | Minimum fee, $15.00 |
| EFT | $5.00/each | For pre-authorized outgoing EFT — next day settlement |
| Deposit to Bank of the West | $5.00/each | For teller deposit to bank |
| Official Check | $3.00/each | Made for member to third party |
| Money Order | $1.00/each | |
| Wire Transfers | ||
| Domestic Wire Out | $20.00 | All wires before noon — same day settlement |
| Domestic Wire In | $10.00 | |
| Foreign Wire Out | $35.00 | |
| Foreign Wire In | $15.00 | |
Fees effective: Dec 16, 2009 | Download Truth in Savings Disclosure
