Rates
Effective as of: 11/01/2018
| Loan | |||
| Type | Term | Annual Percentage Rate | |
| VISA CLASSIC/GOLD | No Annual FEE | 27 | |
| Share Secured | 2.5% over share secured rate | ||
| New Vehicles | |||
| *Subtract 0.10% for ACH or payroll deduction. | |||
| **Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle. | |||
| 100% of M.S.R.P. | 48 | As low as 3.20% | |
| 100% of M.S.R.P. | 66 | As low as 3.45% | |
| 100% of M.S.R.P. | 72 | As low as 3.95% | |
| 100% of M.S.R.P. | 84 | As low as 5.40% | |
| New RV’s | |||
| * Subtract 0.10% for ACH or payroll deduction. | |||
| **Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle. | |||
| 100% of Sticker | 48 | As low as 4.15% | |
| 100% of Sticker | 60 | As low as 4.40% | |
| 100% of Sticker | 61-84 | As low as 5.60% | |
| $25K plus 120 | As low as 6.60% | ||
| $25K plus 180 | As low as 7.20% | ||
| Used Vehicles* 100% of NADA retail value 2011 – 2018 Models |
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| (Auto or Truck) | |||
| *Subtract 0.10% for ACH or payroll deduction. | |||
| **Rates/Term/Loan Amount may vary based on credit qualifications, year of vehicle, equity in vehicle and mileage of vehicle | |||
| 48 | As low as 3.40% | ||
| 60 | As low as 3.60% | ||
| 66 | As low as 3.95% | ||
| 72 | As low as 4.40% | ||
| Used Vehicles* 2010 and Older Models |
|||
| **Rates/Term/Loan Amount may vary based on credit qualifications, year of vehicle, equity in vehicle and mileage of vehicle | |||
| 48 | As low as 4.40% | ||
| Used RV’s* | |||
| * Subtract 0.10% for ACH or payroll deduction. | |||
| **Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle. vehicle, equity in vehicle and mileage of vehicle. | |||
| 80% of NADA retail value | 60 | As low as 5.15% | |
| $20,000 or greater | 84 | As low as 5.60% | |
| Other Loans | |||
| Personal Line of Credit | Based on years service Min. $500 – Max .$12,000 | 60 | As low as 7.95% |
| Specialty | Based on years service Min. $500 – Max .$12,000 | 12 | As low as 5.95% |
| New And Used Farm Equipment | |||
| 60 | 5.20% | ||
| 48 | 7.00% | ||
| Mortgage | |||
| *These rates for loans $30,000 and greater. Add 1% to rates for loans less than $30,000 | |||
| 80% Max | 120 | 4.10% | |
| (First/Refinance) | 180 | Call for Quote | |
| 240 | Call for Quote | ||
| 360 | Call for Quote | ||
| Construction | 5.95% | ||
| 1/1 Adjustable Rate Mortgage | 80% Max | 360 | 3.65% |
| 5/1 Adjustable Rate Mortgage | 90% Max | 360 | 3.95% |
| 5 Year Balloon | 80% Max | 360 | 3.95% |
| Equity Line of credit(variable rate) | 90% appraised value | 300 | 4.75% |
| Fixed Rate Second Mortgage | |||
| 90% of appraised value with a max of $75,000 | 60 | as low as 4.25%** | |
| 90% of appraised value with a max of $75,000 | 84 | as low as 4.60%** | |
| 90% of appraised value with a max of $75,000 | 120 | as low as 5.25%** | |
| 90% of appraised value with a max of $75,000 | 180 | as low as 6.25%** | |
| 100% of appraised value with a max of $50,000 | 12 – 84 mon | as low as 7.90%** | |
| ** Rates/Term/Loan Amount may vary based on credit qualifications and equity. | |||
| Unimproved Property | |||
| 80% of appraised value | 120 | 7.60% | |
| 80% of appraised value | 180 | 8.15% | |
| * Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle. | |||
| ** Rate is based on credit qualifications. | |||
| Effective as of: 10/01/2018 | ||
| Savings Rates * | ||
| Types | A.P.Y. Annual Percentage Yield | |
| Regular Shares | 0.05% | |
| Super Shares | 0.10% | |
| Health Savings Accounts | 0.20% | |
| IRA/Roth Share | 0.20% | |
| Coverdell ESA | 0.20% | |
| Holiday Club | 0.10% | |
| Vacation Club | 0.10% | |
| Business Draft | 0.15% | |
| Share Draft/Checking | 0.00% | |
| Share Plus Balance | ||
| $2,500 – $50,000…………………………………… | 0.25% | |
| Greater than $50,000 …………………………….. | 0.30% | |
| Club Level Money Market | ||
| Five Star and Silver Star Members Only | ||
| $0.00 – $25,000 | 0.25% | |
| $25,001 – $100,000 | 0.75% | |
| $100,001+ | 1.35% | |
| *These rates reflect the annual percentage yield and are presented for the member’s information only. Please contact the Credit Union for disclosures and account details. All rates are subject to change daily. | ||
Effective as of: 08/15/2017
| Returned Checks | $32.00 |
| Wires | |
| Wires – Outgoing | $25.00 |
| Wires – Incoming | $15.00 |
| International Wires – Outgoing | Not Available |
| International Wires – Incoming | $25.00 |
| Money Orders | $2.50 |
| Cashiers Check to Third Party | $5.00 |
| Counter Checks | $2.00 per page |
| Verbal Telephone Transfer | $5.00 |
| Excess Share Withdrawal Fee | $5.00 per withdrawal in excess of 4 per month(Transfers do not count as withdrawals.) |
| Stale Check Fee | $25.00 Outstanding Checks over 180 days, open account – void/redeposit |
| Returned Deposit Item | $32.00 |
| *Overdraft Protection Transfer Fee | $7.00 |
| Outgoing Faxes | $2.00 |
| Telephone Balance Inquiry | $1.00 |
| Account Printout | $1.00 per page |
| *Account Balancing Fee | $20.00 per hour |
| Inactive Savings Account Fee | $5.00 per month on account balances of $350.00 or less. No activity for 6 months. |
| Inactive Checking Account Fee | $5.00 per month on account balances of $100.00 or less. No activity for 6 months. |
| Share Draft Account Closure Fee | $35.00 |
| Debit Card Replacement Fee | $10.00 |
| ACH insufficient funds | $32.00 |
| ACH origination | $5.00 |
| ACH stop payment | $30.00 |
| Account Research | $25.00 per hour |
| Legal Process | $75.00 per IRS Levy, State Levy, Suggestion, Initial Garnishment |
| Overnight Fees UPS | market rate of carrier |
| Overnight Fees UPS Saturday | market rate of carrier |
| 2nd Day Priority Mail Postal Service | market rate of carrier |
| Carfax history | $15.00 with auto loan – title check FREE |
| Star Online PC Access | FREE |
| Star Online PC Access/Bill Pmt | FREE |
| Bill Payment Fee Overdraft | $32.00 |
| Draft stop payment fee | $30.00 per item ($100.00 for complete book) |
| Courtesy Pay Fee (If service used) | $32.00 per item |
| Safe Deposit Box Fees | $25.00 5×5 $27.00 3×10 $35.00 5×10 $55.00 10×10 |
| Safe Deposity Box Replacement Key | $35.00 |
| Safe Deposit Box Re-drilled | $125.00 |
| Safe Deposit Box Lock Change | $100.00 |
| Bad Address/Undeliverable Mail | $5.00 per month |
| Non-Member Notary | $5.00 |
| Account Verification Fee | $25.00 (Requests for written verification of account information from other institutions or agencies |
| Share Draft Check Copies | $5.00 per check after five |
| Statement Copy | $1.00 per page |
| Check Cashing fees | $3.50 with Share Draft and no matching funds **$5.00 with share and not matching funds. |
| Non-member check cashing fee | **$25.00 ** Must be US Treasury or Certified Payroll Check to cash** |
| Non-member on-us check cashing fee | $5.00 |
| Check-by-phone | $20.00 per call |
| Paper Statement Fee | $1.00 per statement |
| Debit Card Pull/Rush Fee | $55.00 |
| Debit/Credit By Phone | $20.00 |
| Check-by-phone | $20.00 per call |
| Mobile Deposit Item Return | $32.00 |
| IRA Account Transfer Fee | $50.00 to another institution |
| *Loan, Share, and Share Draft fees are covered in their appropriate policies. | |
| *All fees may be changed at the President’s discretion | |
| Effective as of: 01/08/2019 | |
| Share Certificates | |
| Term | A.P.Y. Annual Percentage Yield |
| 3 Months* | 0.45% |
| 6 Months * | 0.95% |
| 6 Months ($50K minimum – NEW money only) * | 1.50% |
| 1 Year * | 1.49% |
| 2 Years * | 1.99% |
| 3 Years * | 2.25% |
| 5 Years * | 2.74% |
| Any Silver Star 55 or 5 Star Member Can add .15% to any new Certificate | |
| IRA/Roth/Education CD | |
| 1 Year CD………………………………………………… | 1.74% |
| 2 Year CD………………………………………………… | 2.95% |
| 3 Year CD………………………………………………… | 3.05% |
| 5 Year CD………………………………………………… | 3.15% |
| *These rates reflect the annual percentage yield and are presented for the member’s information only. Please contact the Credit Union for disclosures and account details. All rates are subject to change daily. | |
