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 2010 – 2017 Models
(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* 2009 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: 09/18/2018
Share Certificates
Term	A.P.Y. Annual Percentage Yield
3 Months*	0.20%
6 Months *	0.80%
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.