Rates & Fees Effective May 1, 2019

Loan Rates APR
New Auto 36-72 Months Special As Low As 3.49%
New Auto 84 Months Special As Low As 3.99%
Used Auto 48-60 Months Special As Low As 3.49%
Used Auto 72 Months Special As Low As 3.99%
Used Auto 84 Months Special As Low As 4.99%
Motorcycle 36-60 Months As Low As 5.49%
Motorcycle 72 Months As Low As 5.99%
Motorcycle 84 Months As Low As 6.49%
Recreational 60 Months As Low As 5.49%
Recreational 72 Months As Low As 5.99%
Recreational 84 Months As Low As 6.99%
Recreational 96 Months As Low As 7.99%
Home Equity 120 Months Prime +2%
Signature Loans 12 Months As Low As 7.99%
Signature Loans 24 Months As Low As 8.99%
Signature Loans 36 Months As Low As 9.99%
Pledge Shared 2% over rate of PLedged Shares

APR = Annual Percentage Rate *Rate shown in premium rate with auto pay. Without auto pay .50% will be added to the rate. Not all borrowers will qualify for this rate.


Share Rates

SHARE CERTIFICATES - MINIMUM $1,000 APY
3 Months** 0.15%
6 Months 0.30%
12 Months 0.55%
24 Months 0.80%

**3 month share certificate rate for roll-overs only. No new money.
*Penalties for early withdrawal

MONEY MARKET APY
$2,500 - $4,999 0.10%
$5,000 - $9,999 0.15%
$10,000 + 0.25%
IRA APY
Minimum $100 .90%
REGULAR SHARES APY
Minimum $100 0.10%
CHRISTMAS CLUB APY
Minimum $100 0.10%

APY = Annual Percentage Yield


Fee Schedule Effective May 1, 2019 

LOAN FEES FEE
Home Equity Doc Prep Fee $150.00
Late Payment Fee (Home Equity) $29.00 (after 10 day grace)
Late Payment Fee (Regular Loan) $15.00 (after 10 day grace)
Loan Add-on and Refinance of existing loan Fee $49.00 per loan
Short Term Loan Processing Fee >$500 $29.00
Short Term Loan Processing Fee <$500 $49.00
Regular Loan Processing Fee $49.00 per loan
Minimum Advances on Loans $100.00 per revolving signature loan (effective immediately)
$500.00 per home equity line of credit (effective immediately)
SHARE DRAFT/CHECKING ACCOUNT FEES FEE
Courtesy Pay $32.00 per item
NSF (non-sufficient funds) $32.00 per item
OD (overdraft) $32.00 per item
Stop Payment $32.00 per item
Lost or Damaged Star Replacement Card $20.00 per card
Lost or Damaged Debit Card Replacement $30.00 per card
Checkbook Reconciliation $18.00 per hour
Statement Reprint $5.00 per statement
Account Printout $3.00 per account
Photocopy of Check $5.00 per check
Printed Checks Varies (see catalogue)
OTHER FEES FEE
Wire Transfer Fee $50.00 Outgoing
$25.00 Incoming
Research Fee $20.00 per hour
Excess Withdrawal Fee $3 (per Trans after 6 per month)
Loan Late Payment Fee $15 after grace period
Money Orders - Members $2.00 each
Money Orders - Non-Members $5.00 each
Cashier's Checks - Members $5.00 each
Cashier's Checks - Non-Members $15.00 each
*Credit Union Check $5.00 each
Account Closure Fee (if closed within 180 days of opening) $15.00 per account
Non-Member Check Cashing Fee - Checks under $400 $5.00 per check
Non-Member Check Cashing Fee - Checks over $400 1.5% of check amount
**Savings Account Non-Activity Fee $12.00 per year

*Members - 2 free credit union checks per visit per day.
**Non-Activity = no account activity for 12 consecutive months. Accounts with active loans and/or checking accounts are exempt. Accounts linked with another or other active accounts are exempt.