Effective as of March 29, 2023. For the most current rates and fees, please contact your credit union.

Account TypeAnnual Percentage Yield (APY)Minimum Balance to Avoid FeeMinimum Balance to Earn Dividend
Share Savings0.25%N/A$25.00
Special Savings0.25%N/A$25.00
Save to Win2.00%N/A$25.00
Money Market3.00%N/A$2,500.00
IRA Savings1.25%N/A$25.00
Penny’s Saver Club2.00%N/AN/A
Christmas Club11.10%N/A$25.00
Checking Account0.35%N/A$100.00

1 Only permitted to withdrawal from this account after November 1st and before the end of that current year to avoid paying early withdrawal fee.

Account TypeAnnual Percentage Yield (APY)Minimum Opening BalanceEarly Withdrawal Penalty
6 Months5.00%$50090 days interest
12 Months3.50%$50090 days interest
18 Months2.35%$50090 days interest
24 Months1.00%$50090 days interest
36 Months1.00%$50090 days interest

*Rates are subject to change without notice. For the current approved rates contact the Credit Union.

Loan TypeTermAnnual Percentage Rate (APR)
New/Used Autos (Under 7 yrs. old)24-84 monthsAs low as 5.15%
New/Used Recreational Vehicles24-120 monthsAs low as 7.60%
New/Used Boats/Marine/Motorcycles24-120 monthsAs low as 7.60%
New/Used Other Collateral (UCC Lien)12-84 monthsAs low as 7.70%
Signature Loans0-60 monthsAs low as 9.50%
Credit CardsN/AAs low as 11.90%
Shared SecuredVaries4.50%
Shared CertificateVariesCD Rate +3.00%
Home Equity Line of Credit48-144 monthsPrime - 1.00%

*Loan rates are subject to change without notice. For the current approved rates contact the Credit Union.

General FeesDescription
Account Closure$10.00 If Account Is Closed Within First 90 Days
Account Reconciliation$25.00/Hour Minimum ¼ Hour Safe Deposit Box Fees
Account Research$15.00/Hour
Levy/Garnishment Request$50.00
Inactive Account$5.00/Month After 1 Year of Inactivity
Money Order$2.00 Per Money Order
Returned Mail$5.00 Per Item Specific Account Fees
Statement Copy$5.00 Per Statement
Western Union$15.00 Per Transfer
Wire Transfer:

$5.00 Per Transfer
$15.00 Per Transfer
$30.00 Per Transfer
Check Cashing$5.00 (non-members)
NSF/Loan Payment$30.00 Per Item Loan
Late Loan Payment$30.00
Return Item/Deposit$10.00 Per Item
Lien FilingFee Required By State Law
Verification of Deposit$5.00
CPI Admin$25.00
Loan Processing$50.00

Checking Account FeesDescription
Check Printing PricesVary By Style Selected
NSF$30.00 Per Item
Overdraft$20.00 Per Item
Stop Payment$28.00 Per Item
Automatic Transfer$10.00 Per Transfer from Shares to Cover NSF
Check Copy$5.00 Per Copy
Temporary Checks$2.00 For 4 Checks

EFT FeesDescription
Card Replacement$10.00 Per Card

Safe Deposit Box FeesDescription
3” x 5” x 22” Box$25.00 Per Year
3” x 10” x 22” Box$35.00 Per Year
Drilling of Box (Due to Lost Keys or Nonpayment)$155.00
Replacement Key$10.00

Specific Account FeesDescription
Regular/Secondary Shares-Excessive Withdrawal$5.00 Per Withdrawal After 2 Per Month
Money Market- Excessive Withdrawal$7.50 Per Withdrawal After 6 Per Month
Money Market- Minimum Balance$20.00 Per Month If Daily Minimum Balance Is Not Maintained
Loan Skip-A-Pay (Offered Summer and Christmas Only)$30.00 Per Eligible Loan - Limit 2 per 12 months

*All Fees are subject to change by the Credit Union Board of Directors. Fees are charged based on the most up to date Fee Schedule.