Loan Rates

Type Rate
Signature 9.0% - 18.0%*
Share Secured 2.5%* above share earning rate
Emergency 18.0%*
New Vehicle (with dealer invoice) as low as 3.5%*
Used Vehicle  
  2011 as low as 4.5%*
  2010 as low as 5.5%*
  2009 - 2008 as low as 7.5%*
  2007 - 2004 as low as 8.5%*
New RV's, Motor Homes, Travel Trailers, Campers and 5th Wheels as low as 3.5%*
New ATV's, 4 Wheelers and Jet Skis, UTVs as low as 7.07%* with dealer invoice

*On approved credit. All loans are on an individual basis.
Rates effective: Aug 16, 2011. 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 $1.50/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 & Deposits $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.
Visa Gift Card $2.25/each Cost of card. Other Visa fees apply.
Miscellaneous Fees
Research $15.00/hour Minimum fee, $15.00
EFT $5.00/each For pre-authorized outgoing EFT - next day settlement
Official Check $3.00/each Made for member to third party
Money Order $1.50/each  
Wire Transfers
Domestic Wire Out $20.00 All wires before noon -- same day settlement
Domestic Wire In $10.00  
Foreign Wire Out $32.00  
Foreign Wire In $15.00  

Fees effective: Dec 15, 2011 | Download Truth in Savings Disclosure