Savings Rates
Effective April 2018
| Rate | Annual % Yield | Min. Balance | Max. Balance | |
|---|---|---|---|---|
| Tier 1 | 0.40% | 0.401% | $50.00 | $10,000.00 |
| Tier 2 | 0.50% | 0.501% | $10,001.00 | $40,000.00 |
| Tier 3 | 0.55% | 0.551% | $40,001.00 | & Above |
IRA Rates
Effective April 2018
| Rate | Annual % Yield | |
|---|---|---|
| 2nd Quarter | 0.75% | 0.752% |
Loan Rates & Terms
Share Loans
| Loan Type | Terms | Rate | Details |
|---|---|---|---|
| Share Loans | 3.00% |
Auto Loans
| Loan Type | Terms | Rate | Details |
|---|---|---|---|
| New Auto (2018-2017) | 100% Financing | 4.50% | New – Up to *72 mo. |
| Pre-Owned (2017-2016) | 100% Financing NADA Book |
5.50% | 1, 2 & 3 yrs old, up to 60 mo. |
| Pre-Owned (2015) | 6.50% | ||
| Pre-Owned (2014-2013) | 7.50% | 4 & 5 yrs old, up to 52 mo. | |
| Pre-Owned (2012 & Older) | 10.50% | 6 yrs & older, up to 36 mo. | |
| Based on NADA Loan Value & Creditworthiness | |||
Real Estate Loans
| Loan Type | Terms | Rate | Details |
|---|---|---|---|
| 1st Mortgage | 4.0 Land | (1.5% above Average Prime Offer Rate) | |
| 2nd Mortgage | 5.75 Land | (3.0% above Average Prime Offer Rate) | |
Mobile Home Loans
| Loan Type | Terms | Rate | Details |
|---|---|---|---|
| New | 90% Financing | (1.5% above Average Prime Offer Rate) | |
| Used | 100% Financing NADA Book |
(3.00% above Average Prime Rate) | |
RV/Boat Loans
| Loan Type | Terms | Rate |
|---|---|---|
| RV & Boat (New) | 100% Financing | 5.50% |
| RV & Boat (Used) | 7.00% |
Other Loans
| Loan Type | Terms | Rate |
|---|---|---|
| Other Collateral Loans | New | 7.00% |
| Used | 10.00% | |
| Signature Loans | 8.0% – 15.0% – 18.0% |
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 |
