Rates & Fees |  |
Great Rates. Hold the Fees.How can we provide such great rates with virtually no transaction or maintenance fees? Unlike a bank, we don't depend on fees to survive. The growth of your money is our business. Any profits we make go back to you—whether as high dividends for your savings or checking account, or low interest on your loans. And those fees you'd be paying a bank? You can use them to pay yourself instead. Download a Printable Fee Schedule | Download a Printable Rate Sheet Checking, Savings & Investments| Account | Rate Type | Minimum Balance | Dividend APY | Dividend Rate |
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| Checking Plus | Variable | $1,500 | 0.25% | 0.25% | | Checking Rewards | Variable | N/A | 0.30% | 0.30% |
View checking fees. Your savings Federally insured to at least $250,000 and backed by the full faith and credit
of the United States Government National Credit Union Administration (NCUA), a U.S. Government Agency | Account | Term | Rate Type | Minimum Balance | Dividend APY | Dividend Rate |
|---|
| Basic Savings | N/A | Variable | $25 | 0.15% | 0.15% | | Holiday Club | Disbursed each
October | Variable | N/A | 0.15% | 0.15% |
View savings fees. Your savings Federally insured to at least $250,000 and backed by the full faith and credit
of the United States Government National Credit Union Administration (NCUA), a U.S. Government Agency | Account | Term | Rate Type | Minimum Balance | Dividend APY | Dividend Rate |
|---|
| Money Management | N/A | Variable | $0 - $2,499 | 0.15% | 0.15% | | $2,500 - $9,999 | 0.40% | 0.40% | | $10,000 - $24,999 | 0.50% | 0.50% | | $25,000 - $99,999 | 0.70% | 0.70% | | $100,000 - $249,999 | 0.75% | 0.75% | | $250,000 and over | 0.75% | 0.75% | | IRA Savings | N/A | Variable | $0 - $2,499 | 0.15% | 0.15% | | $2,500 - $9,999 | 0.40% | 0.40% | | $10,000 - $24,999 | 0.50% | 0.50% | | $25,000 - $99,999 | 0.70% | 0.70% | | $100,000 and over | 0.75% | 0.75% | Term Savings
&
IRA Term | 3 Months | Fixed | $1,000 | 0.40% | 0.40% | | 6 Months | 0.50% | 0.50% | | 12 Months | 0.75% | 0.75% | | 15 Months | 1.25% | 1.24% | | 18 Months | 1.00% | 1.00% | | 24 Months | 1.50% | 1.49% | | 36 Months | 1.85% | 1.83% | | 48 Months | 2.25% | 2.23% | | 60 Months | 2.50% | 2.47% | MoneyBuilder &
IRA MoneyBuilder | 12 Months | Fixed | $0 | 0.75% | 0.75% | | ****Term Account deposits of $100,000 or more earn an additional 0.10% APY .**** | Penalties may apply for early withdrawal.
Your savings Federally insured to at least $250,000 and backed by the full faith and credit
of the United States Government National Credit Union Administration (NCUA), a U.S. Government Agency |
View investment account fees. |
Loans & Credit Cards| Loan | Term | Rate Type | Rate Formula | Daily Periodic Rate | Annual Percentage Rate |
|---|
| Fixed Home Equity Loan | to 300 Months | Fixed | N/A | As Low As 0.019151% | As Low As 6.99% | | RealtyLine | Revolving | Variable | Based on Prime Rate | 0.010822% | 3.95% | | First Mortgage | to 40 Years | Fixed | N/A | Changes Daily
please click here | | to 30 Years | Fixed or
Variable | | Co-Op Loan | to 30 Years | Variable | N/A | Changes Daily
please click here |
View home loan/mortgage fees. The Credit Union offers the lowest possible customized rate for each member. Your rate is determined by: length (term) of loan, credit qualifications, and account relationships. Our loan processing system instantly calculates rates based on the factors listed. To determine your rate, call our toll-free number (800) 874-5544. Loan Rate Calculation: To reward you for your excellent payment record, the Credit Union determines your rate based on a Score, known as FICO, obtained from credit bureaus. Rates are determined by your FICO Score, and the number of months you wish to finance your loan. NOTE: FICO scores vary on many factors including date obtained and credit bureau company. Rates are subject to scores obtained by the Credit Union only. Variable Rate Loans: The maximum interest rate will never exceed the rate permitted under the Federal Credit Union Act (currently, this maximum is 18%). If your rate increases, additional payments will be required.  | Loan | Term | Rate Type | Rate Formula | Daily Periodic Rate | Annual Percentage Rate |
|---|
| Vehicle/Boat | to 36 Months | Fixed | N/A | As Low As
0.013123% | As Low As
4.79% | | to 48 Months | As Low As
0.013397% | As Low As
4.89% | | to 60 Months | As Low As
0.013671% | As Low As
4.99% | | to 72 Months | As Low As
0.015315% | As Low As
5.59% | | Marine/RV | to 240 Months | Variable | Prime Rate | As Low As
0.008904% | As Low As
3.25% |
View vehicle loan fees. The Credit Union offers the lowest possible customized rate for each member. Your rate is determined by: length (term) of loan, credit qualifications, and account relationships. Our loan processing system instantly calculates rates based on the factors listed below. To determine your rate, call our toll-free number (800) 874-5544. Loan Rate Calculation: To reward you for your excellent payment record, the Credit Union determines your rate based on a Score, known as FICO, obtained from credit bureaus. Rates are determined by your FICO Score, and the number of months you wish to finance your loan. NOTE: FICO scores vary on many factors including date obtained and credit bureau company. Rates are subject to scores obtained by the Credit Union only. Rate Discounts on Auto Loans: Credit Union members will receive a 0.50% discount on their interest rate for new auto purchases, effective October 24, 2007. Variable Rate Loans: For Marine/RV loans, the Annual Percentage Rate (APR) for all advances on all existing balances will be subject to change on the first day of each quarter, based on the Prime Rate as quoted in the Wall Street Journal. The maximum interest rate will never exceed the rate permitted under the Federal Credit Union Act (currently, this maximum is 18%). If your rate increases, additional payments will be required. | Loan | Term | Rate Type | Rate Formula | Daily Periodic Rate | Annual Percentage Rate |
|---|
Unsecured
Loans
(Signature) | to 24 Months | Fixed | N/A | As Low As
0.029863% | As Low As
10.90% | | to 60 Months | As Low As
0.032603% | As Low As
11.90% | Overdraft
Line-of-
Credit | Revolving | Variable | N/A | 0.036712% | 13.40% | Undergrad-
uate Private
Education
Line-of-
Credit | to 300 Months | Variable | Based on
Prime Rate
(7.00% Floor) | 0.019178% | As Low As
7.00% | Bridge
Loans | 90 Days | Fixed | N/A | As Low As
0.029863% | As Low As
10.90% | Savings
Secured
Loans | up to 120 Months | Variable | Savings Rate
+ 2% | 0.005890% | 2.15% |
View personal loan fees. The Credit Union offers the lowest possible customized rate for each member. Your rate is determined by: length (term) of loan, credit qualifications, and account relationships. Our loan processing system instantly calculates rates based on the factors listed below. To determine your rate, call our toll-free number (800) 874-5544. Loan Rate Calculation: To reward you for your excellent payment record, the Credit Union determines your rate based on a Score, known as FICO, obtained from credit bureaus. Rates are determined by your FICO Score, and the number of months you wish to finance your loan. NOTE: FICO scores vary on many factors including date obtained and credit bureau company. Rates are subject to scores obtained by the Credit Union only. Rate Discounts on Personal Loans: Credit Union members enrolled in Direct Deposit will receive a 0.50% discount on their interest rate for unsecured loans. Credit Union members enrolled in auto payment will receive 0.25% discount on their Undergraduate Private Education Line-of-Credit loans. Variable Rate Loans: For Savings Secured Loans the Annual Percentage Rate (APR) for all advances on all existing balances will be subject to change on the first day of each month based on the Basic Savings rate published monthly. The maximum interest rate will never exceed the rate permitted under the Federal Credit Union Act (currently, this maximum is 18%). If your rate increases, additional payments will be required. For Overdraft Line-of-Credit (Checking Reserve), rates are subject to change. | Loan | Term | Rate Type | Rate Formula | Daily Periodic Rate | Annual Percentage Rate |
|---|
RateWise®
MasterCard &
Platinum Visa
(No Annual Fee) | Revolving | Variable | Prime Rate + 7% | 0.028082% | 10.25% | | Prime Rate + 9% | 0.033562% | 12.25% | | Prime Rate + 12% | 0.041781% | 15.25% | | Prime Rate + 15% | 0.049315% | 18.00% |
View credit card fees. The Credit Union offers the lowest possible customized rate for each member. Your rate is determined by: length (term) of loan, credit qualifications, and account relationships. Our loan processing system instantly calculates rates based on the factors listed below. To determine your rate, call our toll-free number (800) 874-5544. Loan Rate Calculation: To reward you for your excellent payment record, the Credit Union determines your rate based on a Score, known as FICO, obtained from credit bureaus. Rates are determined by your FICO Score, and the number of months you wish to finance your loan. NOTE: FICO scores vary on many factors including date obtained and credit bureau company. Rates are subject to scores obtained by the Credit Union only. Variable Rate Loans: For Credit Card Loans, the rate is based on your creditworthiness. The APR will vary with the market based on the Prime Rate. The maximum interest rate will never exceed the rate permitted under the Federal Credit Union Act (currently, this maximum is 18%). If your rate increases, additional payments will be required. |
Annual Percentage Yields/rates in effect as of and subject to change at any time. FeesChecking Account Fees FeesInvestment Account Fees FeesChecking Account Fees FeesConvenience Services Fees FeesInvestment Account Fees | |
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