Rates & Fees
Share Accounts
| Share Type | Minimum Balance to earn Dividend | Rate | IRA Share | $25.00 | 0.50% |
|---|---|---|
| Share Draft | $200.00 | 0.01% |
| Savings | $20.00 to $49,999.99 | 0.01% |
| $50,000.00 to $99,999.99 | 0.10% | |
| $100,000.00 to $249,999.99 | 0.15% | |
| $250,000.00 and greater | 0.20% | |
| Sub Savings | $20.00 to $49,999.99 | 0.01% |
| $50,000.00 to $99,999.99 | 0.05% | |
| $100,000.00 to $249,999.99 | 0.10% | |
| $250,000.00 and greater | 0.15% | |
| Vacation Fund Share | $20.00 | 0.04% |
| Union Welfare Share | $20.00 to $49,999.99 | 0.01% |
| $50,000.00 to $99,999.99 | 0.05% | |
| $100,000.00 to $249,999.99 | 0.10% | |
| $250,000.00 and greater | 0.15% |
DIRECT New & Used Auto Loans
Up to 120% LTV*
| FICO | 36 months | 48 months | 60 months | 72 months | 84 months |
|---|---|---|---|---|---|
| 720+ | 4.99% | 5.74% | 6.24% | 6.74% | 7.94% |
| 671-719 | 5.29% | 6.04% | 6.54% | 7.04% | 8.24% |
| 650-670 | 5.99% | 6.74% | 7.24% | 7.74% | 8.94% |
| 600-649 | 8.99% | 9.49% | 9.99% | 10.49% | 11.69% |
| 555-599 | 14.54% | 15.29% | 15.79% | 16.29% | 17.49% |
| 554< | 17.99% | 17.99% | 17.99% | 17.99% | 17.99% |
New & Used Motorcycles
| FICO | 36 months | 48 months | 60 months | 72 months |
|---|---|---|---|---|
| 720+ | 5.55% | 5.85% | 6.25% | 6.75% |
| 671-719 | 5.65% | 5.95% | 6.35% | 6.85% |
| 650-670 | 6.89% | 7.19% | 7.59% | 8.09% |
| 600-649 | 10.89% | 11.19% | 11.59% | 12.09% |
| 555-599 | 17.00% | 17.25% | 17.50% | 17.99% |
| 554< | 17.99% | 17.99% | 17.99% | 17.99% |
New & Used Motor home/RV & Watercraft
| FICO | 96 months | 144 months | 180 months |
|---|---|---|---|
| 720+ | 7.99% | 8.24% | 8.49% |
| 671-719 | 8.19% | 8.44% | 8.69% |
| 650-670 | 8.40% | 8.65% | 8.90% |
| 600-649 | 9.69% | 9.94% | 10.19% |
| 555-599 | 13.69% | 13.94% | 14.19% |
| 554< | 15.69% | 15.94% | 16.19% |
Signature Loans
| FICO | 36 months | 48 months | 60 months |
|---|---|---|---|
| 720+ | 10.79% | 11.54% | 12.79% |
| 671-719 | 10.99% | 11.74% | 12.99% |
| 650-670 | 11.99% | 12.74% | 13.99% |
| 600-649 | 13.49% | 14.24% | 15.49% |
| 555-599 | 17.99% | 17.99% | 17.99% |
| 554< | 17.99% | 17.99% | - |
Share Secured Loan
| Tier | Fixed |
|---|---|
| Any FICO Score | 3.40% |
; Fee Schedule
Fees
| Fee Type | Amount |
|---|---|
| Account Research | $10.00/hr |
| Card Re-order Fee | $9.00 |
| Draft Copy | $3.00 |
| Lien | $15.00 |
| Non-sufficient Funds | $25.00 |
| Overdraft from Savings to Checking | $2.00 |
| Paid Non-sufficient Funds Item | $25.00 |
| Returned Check | $15.00 |
| Skip a Payment Fee | $35.00 |
| Stop Payment | $10.00 |
Vacation Fund Excess Withdrawal (two free withdrawals per year)
|
$10.00 |