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Rates

Share/Savings Accounts

Club Accounts

All Club Accounts Div. Rate APY *
    Same Rates and Conditions as Regular Shares
Share Accounts

Regular Shares .01% Div. Rate .01% APY *
    $100 Minimum $4999 Maximum
Regular Shares .05% Div. Rate .05% APY *
    $5000 Minimum ($250000 Maximum NCUA INSURED)

Share Certificate Accounts


6 Month Certificate .20% Div. Rate .20% APY *
    $2500 Minimum $250000 Maximum Dividend paid at maturity. Early withd. penalty
12 Month Certificate .25% Div. Rate .25% APY *
    $2500 Minimum $250000 Maximum Dividend paid at maturity. Early withd. penalty
24 Month Certificate .30% Div. Rate .30% APY *
    $2500 Minimum $250000 Maximum Dividend paid at maturity. Early withd. penalty

Loan Accounts

MERIT BASED LENDING

The Credit Union has instituted the “Merit” lending system.

This system rewards members who have good credit with our best rates. It also provides incentives for our borrowers to improve their history in order to get the best rates possible.

In addition, it allows the Credit Union to provide low cost credit to members who may otherwise have to resort to higher rate loans offered by finance companies or banks.

So give us a call to learn more about our “Merit” based loan program.

Penn Place Office: 825-1841 or 825-1790

Courthouse Office: 820-6323

Signature Loans


Personal or CoMaker Loans as low as 6.25% APR to 36 Months
  $1000 Minimum $12,000 Maximum Rate based on credit history & income
Personal or CoMaker Loans as low as 7.25% APR 48 Months
  $1000 Minimum $12,000 Maximum Rate based on credit history & income
Personal or Co Maker Loans as low as 8.25% APR 60 Months
  $1000 Minimum $12,000 Maximum Rate based on credit history & income

Share-Secured Loans


All Acounts APR 2.50% APY Above Dividend rate
  $500 Minimum $50000 Maximum Share Balance must equal loan balance

Vehicle Loans


New Car Loans as low as 1.95% APR 36 months/ 80% financing excluding tags/tax
  $1000 Minimum $50,000 Maximum Rate based on credit history
New Car Loans as low as 1.95% APR 36 Months/ 100 % financing excluding tags/tax
  $1000 Minimum $50,000 Maximum Rate based on credit history
New Car Loans as low as 1.95% APR 48 Months/ 80% financing excluding tags/tax
  $1000 Minimum $50,000 Maximum Rate based on credit history
New Car Loans as low as 1.95% APR 48 Months/ 100% financing excluding tags/tax
  $1000 Minimum $50,000 Maximum Rate based on credit history
New Car Loans as low as 2.25% APR 60 Months/ 80 % financing excluding tags/tax
  $1000 Minimum $50000 Maximum Rate based on credit history
New Car Loans as low as 1.95% APR 60 Months/ 100% financing excluding tags/tax
  $1000 Minimum $40000 Maximum Rate based on credit history
New Car Loans as low as 2.25% APR 72 Months/ 80% financing exluding tags/tax
  $1000 Minimum $50000 Maximum Rate base on credit history
New Car Loans as low as 2.50% APR 72 Months/100%financing exluding tags/tax
  $1000 Minimum $50000 Maximum Rate based on credit history
Used Car Loans as low as 2.25% APR Terms Dependent on Age of Vehicle/75% financing
  $1000 Minimum $50000 Maximum Rate based on credit history
Used Car Loans as low as 4.20% PR Terms Dependent of Age of Vehicle/ 100% financing
  $1000 Minimum $50000 Maximum Rate based on credit history

Recreational Vehicle Loans


RVs,Trailers, etc. APR Same Rates and Terms as New/Used Vehicle Loans

Motorcycle Loans


New & Used APR Same Rates and Terms as New/Used Vehicle Loans
  Rates based on Credit history

Watercraft Loans


Fishing, Speed, Sail Boats etc APR Same Rates and Terms as New/Used Vehicle Loans
  Rates based on Credit history

Mobile Home Loans


Conventional/Double Wides APR Same Rates and Terms as New/Used Vehicle Loans
  Rates based on credit history

Credit Cards


VISA 9.90% APR
  $500 Minimum $7,500 Maximum Purchases and Cash Advances

Mortgages


Home Equity Loans as low as 4.50% APR to 60 Months/ First Lien/ 80% of Property Value
  $7000 Minimum $50000 Maximum Rates based on Credit History
Home Equity Loans as low as 5.45% APR to 120 Months/First Lien/80% of Property Value
  $7000 Minimum $50000 Maximum Rates based on Credit History
Home Equity Loans as low as 6.45% APR to 60 Months/Second Lien/80% of Property Value
  $7000 Minimum $50000 Maximum Rates based on Credit History
Home Equity Loans as lowa as 6.45% APR to 120 Months/ First Lien/ 80 % of Property Value
  $7000 Minimum $50000 Maximum Rates based on Credit History

ALL RATES AND TERMS SUBJECT TO CHANGE
WITHOUT NOTICE UPON APPROVAL OF BOARD OF DIRECTORS

Fees & Disclosures

Deposit Account Fees

Membership Fee $1.00
Activity Fee $1.00
Statement Copies $1.00
Draft Copies $2.00
Overdraft ATM Transaction $20.00
Monthly Debit Card Fee $1.00
Loan Account Fees

Loan Accounts/Late Payment Fee $25.00
Credit Card/Late payment Fee $20.00
Credit Card/Over limit Fee $20.00
Miscellaneous Fees

Return Check/Ach Fee $35.00
Money Order Fee (each) $1.00/ $3.00
Treasurer’s Check Fee (each) $2.00
Wire Transfers $15.00
Replace Lost or Stolen Debit Card $20.00
Replace Lost or Stolen Credit Card $20.00
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