Savings Rates
Effective January 1, 2017 – March 31, 2017
Rate | Annual % Yield | Min. Balance | Max. Balance | |
---|---|---|---|---|
Tier 1 | 0.30% | 0.300% | $50.00 | $10,000.00 |
Tier 2 | 0.40% | 0.400% | $10,001.00 | $40,000.00 |
Tier 3 | 0.45% | 0.451% | $40,001.00 | & Above |
IRA Rates
Effective April 1, 2017 – June 30, 2017
Rate | Annual % Yield | |
---|---|---|
2nd Quarter | 0.60% | 0.600% |
Loan Rates & Terms
Share Loans
Loan Type | Terms | Rate | Details |
---|---|---|---|
Share Loans | 3.00% |
Auto Loans
Loan Type | Terms | Rate | Details |
---|---|---|---|
New Auto (2017-2016) | 90% Financing | 4.50% | New – Up to *72 mo. (* Certain credit conditions apply) |
Pre-Owned (2016-2015) | 5.50% | 1, 2 & 3 yrs old, up to 60 mo. | |
Pre-Owned (2014) | 6.50% | ||
Pre-Owned (2013-2012) | 7.50% | 4 & 5 yrs old, up to 52 mo. | |
Pre-Owned (2011 & Older) | 10.50% | 6 yrs & older, up to 36 mo. | |
Based on NADA Loan Value |
Real Estate Loans
Loan Type | Terms | Rate | Details |
---|---|---|---|
Real Estate Mobile Homes (New) Mobile Homes (Used) |
Call our office for details on rates & terms. (318) 255-9101 |
RV/Boat Loans
Loan Type | Terms | Rate | Details |
---|---|---|---|
RV (New) | Starting at | 5.50% | 5 year balloon payment with 10 year amortization on New & Used RV |
RV (Used) | NADA Loan Value | 7.00% | |
Boat Loan (New) | Starting at | 5.50% | Up to 60 mo. |
Boat Loan (Used) | NADA Loan Value | 7.00% | Up to 48 mo. |
Other Loans
Loan Type | Terms | Rate | Details |
---|---|---|---|
Other Collateral Loans | New | 7.00% | Up to 36 mo. |
Used | 10.00% | Up to 24 mo. | |
Signature Loans | Call our office for rate details | Up to 24 mo. |
Review our Loan Specials for better rates and terms.
Fees
Our standard fees are listed and explained below.
Fee | Amount | Explanation |
---|---|---|
New Member | $5.00 | To open an account |
Late Fee | $25.00 | After 10 days late a fee will apply each month until loan is current on each loan late. |
Application Fee | $25.00 | All Loans except Share Loans, Mobile Home Loans, & Mortgage Loans |
Application Fee | $100.00 | Mortgage & Mobile Home Loans |
Stop Payment Fee | $35.00 | |
Excessive Withdrawal Fee | $5.00 | Five allowed per quarter. After the fifth withdrawal, there will be a $5.00 charge per check. |
Returned Check | $45.00 | |
Returned ACH | $45.00 | |
Account Closed withing 90 days of opening | $5.00 | |
Statement Copies | $5.50 | |
Account Activity Lookup past one month | $5.00 | |
Withdrawals if Balance is below $50 | $10.00 | |
*Overnight Checks | $10.00 | |
Mail sent to different address | $5.00 | |
Put check in name other than member | $3.00 | |
Dormant Fees accounts with no good address | $5.00 | |
Returned Mail | $5.00 | |
Research Account (per hour) | $20.00 | |
Lost Title Lien Release | $10.00 | |
Christmas Account (Free one per year) | $15.00 |