Rates
Autos
| LOANS | RATE | APR* | MAX. TERM |
| 2010 - 2012 Auto Loan | 2.9 Special | 2.9 Special | 60 Months |
| 2010 - 2012 Auto Loan | 5.75 | 5.75 | 72 Months |
| 2007 - 2009 Auto Loan | 6.25 | 6.25 | 60 Months |
| 2006 and Older | 7.75 | 7.75 | 48 Months |
| Recreational Vehicles | 3.75 | 3.75 | 36 Months |
| Holiday Signature Special | 8.00 | 8.00 | 24 Months |
| Unsecured Loan | 10.00 | 10.00 | 36 Months |
Used Auto *APR = Annual Percentage Rate.
Other rates and terms are available based on the amount of the loan and individual credit history. Your rate will be determined by your credit history. Some restrictions may apply. Credit subject to approval. All rates are subject to change. Terms, conditions, and loan amounts are at the discretion of the credit union's loan officer. Contact the credit union for complete details.
Savings & Certificates
| SAVINGS | RATE | APY* |
| Shares | .50 | .50 |
| Share Drafts | .25 | .25 |
| Money Market | .747 | .75 |
| Stocking Stuffer | .996 | 1.00 |
*APY = Annual Percentage Yield. Share, Share Draft (Checking), and Stocking Stuffer accounts are variable rate accounts and rates may change. The dividend rate and corresponding APY was paid to our members the previous quarter. Dividends are declared quarterly by the Board of Directors. There is a $25.00 minimum to open the share account.
The Money Market dividend period is a calendar month. The minimum balance required to open the Money Market Account is $1000. You must maintain $1000 in your account to obtain the stated APY. The dividend rate is subject to change monthly.
Contact the credit union for complete details.
| CERTIFICATES | RATE | APY* |
| 6 Month & Variable IRA's | .598 | .60 |
| 12 Month & IRA Certificates | .747 | .75 |
| 18 Month Rate Climber | .995 | 1.00 |
| 24 Month and IRA Certificates | 1.144 | 1.15 |
| 36 Month & IRA Certificates | 1.342 | 1.35 |
*APY = Annual Percentage Yield. Advertised rates for our share certificates are subject to change weekly. Penalty will be imposed on early withdrawals. Contact the credit union for complete details.
Fee Schedule
| Share or Share Draft History | $1.00 per page |
| Faxed Copy of Share Draft or Other Account | $2.25 per copy |
Micro Fiche of Account Statement or Other Info Non-Member Check Cashing Fee Carfax Fee |
$20.00 per hour research eff 7/1/11 $10.00 15.00 |
| Wire Services: | |
| Incoming Wire with Phone Notification Outgoing Wire International Wire |
eff 7/1/11$25.00 eff7/1/11$25.00 $50.00 |
VISA PREPAID CARDS |
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| Gift Cards | $2.00 |
| Prepaid Travel Card | $5.00 |
| Prepaid Debit Card | $5.00 |
| Miscellaneous Fees: | |
| Internet Teller Access without checking account (Free with a credit union checking account) |
$3.00 per month |
Money Market Withdrawal Fee Stocking Stuffer Account-Withdrawl fee if closed before end of club year |
$5.00 eff 7/1/11$1000 |
| Deluxe Share Draft Monthly Service Charge (Free with a Regular or Goldenaire Checking Account.) |
$2.00 per month |
| Certified Checks (Members may receive two free each month with Deluxe or Goldenaire Checking) |
eff 7/1/11$7.00 each |
| Any FedEx Service | Actual cost billed us |
Share Draft Non-sufficient funds fee ACH Electronic Funds Transfer - NSF |
$29.00 $29.00 |
Debit Card Non-sufficient funds fee Replace debit card Reset Debit Card Pin (allow 2 free sets per year) |
$29.00 $15.00 $5.00 |
| Returned Check fee | $29.00 |
| Stop payment fee on Check | $12.00 |
| Dormant Account Fee | $2.50 per month* |
| *Inactive account for 12 months with less than $50.00 balance is considered a dormant account, fee accesses monthly to a zero balance in the account. If loan is in place account is active. | |
Effective July 1, 2011 All fees subject to change without notice to member as stated in truth in savings notices presented to members upon opening accounts. Fees reflect what credit union is charged in most cases. |
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