Rates and Fees
Identity Theft Notice
| Saving Rates (all rates are Annual Percentage Yield) |
| | Rate |
| Regular Savings (variable) |
0.75% |
| Christmas Club Savings |
4.06% |
| 3-month CD |
0.80% |
| 1-year CD ($500 min) |
1.00% |
| 1-year CD ($10,000 min) |
1.00% |
| Loan Rates (all rates are APR) |
| | Rate |
| Auto Loans |
Starting at 5.25 |
| Personal Loans |
Starting at 7.75 |
| Fee Schedule |
| Name | Amount |
| Credit Union Membership |
| Par value of one membership share |
$50.00 |
| Membership fee |
$1.00 |
| Share Account Fees |
| Share Account Excessive Withdrawals fee: $2.00 per withdrawal, if more than three (3) withdrawals in a calendar month. |
| Share Draft Account Fees |
| Minimum opening deposit |
$20.00 |
| Minimum balance required |
$0.00 |
| NSF fee |
$22.00 per item |
| Returned item fee |
$22.00 per item |
| Stop payment fee |
$10.00 per item |
| Share draft printing fee |
Prices vary depending on style |
| Account maintenance fee |
$2.00 per month |
| Other Service Fees (applicable to all accounts) |
| Account research |
$20.00 per hour |
| Statement copy fee |
$2.50 per copy |
| Deposited item return fee |
$15.00 per item |
| Items sent for collection fee |
Cost |
| Legal process fee |
$15.00 |
| Inactive account fee |
$2.00 per month after 2 years |
| Account closure fee |
$5.00 if closed within 90 days of opening |
| Photocopy fee |
$2.50 per page |
| Wire transfer fee |
$20.00 |
| Internet Home Banking without Checking Account |
$2.00 per month |
| Free Services |
| Free official checks (subject to maximum of five (5) per month; additional check fee $1.00 each) |
| Free travelers checks |
| Overdraft Protection |
| Debt pooling service |
The above rates and fees are accurate as of the Last dividend Declaration Date indicated below. Required minimum share balance to earn stated APY is $100. Required minimum CD balance to earn stated APY is $500. Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at (808) 293-9063.
Last dividend declaration date: 9/30/2019
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