|
| Loan
Rates |
*APR
= Annual Percentage Rate
All Loan rates effective as of 2/1/07.
All stated rates are as low as and are subject to change at
any time. |
| |
Amount
|
Term
|
APR*
|
New
Auto Loans
Auto,
Truck, SUV, APV |
100%
up to $32,000
|
36
Months
|
5.25%
|
|
100%
up to $32,000
|
48
Months
|
5.50%
|
|
100%
up to $32,000
|
60
Months
|
5.75%
|
|
100%
up to $32,000
|
72
Months
|
6.50%
|
Used
Auto Loans
(up to 4 yrs old) |
100%
up to $32,000
|
48
Months
|
6.50%
|
|
Signature
Loans
|
up
to $7,500
|
48 Months
|
13.25%**
|
|
Share
Secured Loans
|
up
to $10,000
|
48
Months
|
5.00%
|
|
Loan Application Fee: $5.00
Auto
Loans over $32,000 require board approval.
Vehicles over 4 years old, based on make/model are subject
to board and credit committee approval.
All
Loan rates are based on the length of the loan and the credit
rating of the individual applying for the loan. The rate you
qualify for may be slightly higher.**
|
| Dividend
Rates |
*APY=Annual
Percentage Yield.
Must maintain minimum amount to receive APY. |
| |
Minimum
|
APY*
|
| Share
Savings |
$250
|
determined
by board
|
|
Youth
Savings
|
$25
|
determined
by board
|
|
| Fees |
| Checking
Account Fees |
| Returned
NSF Check |
$25.00 |
| Stop
Payments |
$10.00 |
| Copy
of Checks |
$1.00
each |
| Deposit
Item Returned |
$20.00 |
| Transfer
To Cover Check |
$5.00 |
| Account
Reconcilement |
$10.00/hour |
| Uncollectible
Funds |
$10.00 |
| (Minimum
Charge $10.00) |
|
|
|
|
Savings
Account Fees |
| Below
Minimum Balance |
$2.00/month |
| Deposit
Item Returned |
$25.00 |
Excess
Withdrawal
(Over 3 Per Month) |
$1.00
each |
| Third
Party Check |
$3.00 |
|
|
|
Loan
Fees |
| Loan
Application Fee |
$5.00 |
| Late
Payment Fee |
$25.00 |
| (10
Days Past Due Date) |
|
|
|
|
Other
Fees |
| Duplicate
Statement |
$1.00 |
| Notary
Public |
No
Fee |
| Wire
Transfer |
$25.00 |
| ATM
New Card Fee |
$5.00 |
| ATM
Monthly Service Charge |
$1.50 |
| Closed
Account Fee |
$10.00 |
|
|
