Savings
Interest rates are subject to change without notice. Your rate may change after the account is opened. Fees could reduce earnings. $2,000 minimum daily balance required to avoid low balance fee on Money Market Share Accounts.
| Account Type | Minimum to Open Acct | Rate | Annual % Yield |
|---|---|---|---|
| Share Savings | $25.00* | 1.750% | 1.77% |
| Share Draft | $0.00* | 0.000% | 0.00% |
| Money Market Share | <$2,000 | 0.500% | 0.50% |
| $2,000-$9,999 | 0.550% | 0.55% | |
| $10,000-$24,999 | 0.650% | 0.65% | |
| $25,000-$49,999 | 0.750% | 0.75% | |
| $50,000-$99,999 | 0.800% | 0.80% | |
| $100,000+ | 0.800% | 0.80% | |
| Christmas Club | $0.00* | 1.750% | 1.77% |
| Do What You Want | $0.00* | 1.750% | 1.77% |
*minimum balance required to obtain APY
Loans
| Loan Product | Rate |
|---|---|
| Secured (Car/Truck/SUV)* | as low as… |
| – up to 48 months | 4.50% APR |
| – 49-84** months | 4.50% APR |
| Secured (Boat/Motorcycle/RV) | as low as… |
| – up to 48 months | 4.50% APR |
| – 49-84** months | 4.75% APR |
| Signature (unsecured) | as low as… |
| – up to 36 months ($500 min.) | 9.75% APR |
| – 37-48 months ($5000 min.) | 10.00% APR |
| – 49-60 months ($10,000 min.) | 10.25% APR |
| Eliteline Line of Credit | as low as… |
| 11.75% APR | |
| Platinum Mastercard | as low as… |
| 13.25% APR | |
| Share Secured | 3.75% APR |
Min. APR for variable rate secured financing is 3.25% APR (except for promotions). Min. APR for variable rate unsecured financing is 6.00% (except for promotions); Min. APR for share secured financing is 2.00%. Max. APR for variable rate financing is 18%.
Secured Financing Examples:
Based on a simple interest rate of 3.25% for a $20,000 loan, this loan would have 48 monthly payments of $445.48 each at an annual percentage rate (APR) of 3.25%.
Based on a simple interest rate of 3.25% for a $25,000 loan, this loan would have 84** monthly payments of $333.60 each at an annual percentage rate (APR) of 3.25%
Unsecured Financing Examples:
Based on a simple interest rate of 5.50% for a $500 loan, this loan would have 36 monthly payments of $15.14 each at an annual percentage rate (APR) of 5.50%
Based on a simple interest rate of 5.75% for a $5,000 loan, this loan would have 48 monthly payments of $117.12 each at an annual percentage rate (APR) of 5.75%
Based on a simple interest rate of 6.00% for a $10,000 loan, this loan would have 60 monthly payments of $193.80 each at an annual percentage rate (APR) of 6.00%
| Loan Product | Rate |
|---|---|
| Secured (Car/Truck/SUV)* | as low as… |
| – 0-24 months | 5.50% APR |
| – 25-36 months | 5.75% APR |
| – 37-48 months | 6.00% APR |
| – 49-60 months | 6.25% APR |
| – 61-84** months | 6.50% APR |
| Secured (Boat/Motorcycle/RV) | as low as… |
| – 0-24 months | 5.75% APR |
| – 25-36 months | 6.00% APR |
| – 37-48 months | 6.25% APR |
| – 49-60 months | 6.50% APR |
| – 61-84** months | 6.75% APR |
| Signature (unsecured) | as low as… |
| – up to 36 months ($500 min.) | 10.75% APR |
| – 37-48 months ($5000 min.) | 11.00% APR |
| – 49-60 months ($10,000 min.) | 11.25% APR |
| PC Loan (max 36 mo. term) | 9.50% APR |
*Vehicles over 100,000 miles, add 2% (max. mileage 115,000); Vehicles over 10 years, add 2%.
**84-mo. term with vehicle loans of $25,000 or more.
Secured Financing Examples (Car/Truck/SUV)
Based on a simple interest rate of 3.50% for a $10,000 loan, this loan would have 24 monthly payments of $432.63 each at an annual percentage rate (APR) of 3.50%
Based on a simple interest rate of 3.75% for a $15,000 loan, this loan would have 36 monthly payments of $441.85 each at an annual percentage rate (APR) of 3.75%
Based on a simple interest rate of 4.00% for a $20,000 loan, this loan would have 48 monthly payments of $452.22 each at an annual percentage rate (APR) of 4.00%
Based on a simple interest rate of 4.25% for a $20,000 loan, this loan would have 60 monthly payments of $371.23 each at an annual percentage rate (APR) of 4.25%
Based on a simple interest rate of 4.50% for a $25,000 loan, this loan would have 84** monthly payments of $348.14 each at an annual percentage rate (APR) of 4.50%
Secured Financing Examples (Boat, Motorcycle/RV)
Based on a simple interest rate of 4.75% for a $10,000 loan, this loan would have 24 monthly payments of $438.42 each at an annual percentage rate (APR) of 4.75%
Based on a simple interest rate of 5.00% for a $15,000 loan, this loan would have 36 monthly payments of $450.45 each at an annual percentage rate (APR) of 5.00%
Based on a simple interest rate of 5.25% for a $20,000 loan, this loan would have 48 monthly payments of $463.82 each at an annual percentage rate (APR) of 5.25%
Based on a simple interest rate of 5.50% for a $20,000 loan, this loan would have 60 monthly payments of $382.87 each at an annual percentage rate (APR) of 5.50%
Based on a simple interest rate of 5.75% for a $25,000 loan, this loan would have 84** monthly payments of $363.07 each at an annual percentage rate (APR) of 5.75%
Unsecured Financing Examples:
Based on a simple interest rate of 11.25% for a $500 loan, this loan would have 36 monthly payments of $16.51 each at an annual percentage rate (APR) of 11.25%
Based on a simple interest rate of 11.50% for a $5,000 loan, this loan would have 48 monthly payments of $131.04 each at an annual percentage rate (APR) of 11.50%
Based on a simple interest rate of 11.75% for a $10,000 loan, this loan would have 60 monthly payments of $222.22 each at an annual percentage rate (APR) of 11.75%
“As low as” rates are the lowest possible rates for that category and are available to members with excellent credit. Your rate may be higher depending on your credit history. APR= Annual Percentage Rate. $0 down payment required.
Real Estate
| Loan Product | Rate |
|---|---|
| Primary Residence or 2nd Home | as low as … |
| up to 80% loan-to-value | Prime Rate + 0.00% |
| 81-90% loan-to-value | Prime Rate + 1.00% |
| Investment Properties – up to 70% loan-to-value | |
| first lien | Prime Rate + 2.00% |
| second lien | Prime Rate + 3.00% |
Prime Rate is 7.75% as of Nov. 8, 2024
“As low as” rates are the lowest possible rates for that category and are available to members with excellent credit. Your rate may be higher depending on your credit history.
Fee Schedule
Effective Nov. 1, 2022, the following fees may be assessed against your account.
| Fee Description | Fee Amount |
|---|---|
| Account Printout | $3/pg. ($10/mo. max) |
| Research Account | $25/hr. |
| Automatic Overdraft Transfer | $10.00 |
| ATM/Debit Card Replacement | $5.00 |
| ATM Foreign Transactions | $1.50 |
| ATM/Debit Card Chargeback (case by case) | $20.00 |
| Attachment/Garnishment/Levy | $100.00 |
| Cashier’s Check | $10.00 |
| Change of Address (from Post Office) | $5.00 |
| Closed Account Within 45 Days of Opening | $25.00 |
| Club Account Withdrawals Over 4/yr. | $5.00 |
| Collection Item Domestic | $20.00 |
| Collection Item Foreign | $40.00 |
| Copy of Share Draft | $5.00 |
| Deposit Returned Item | $10.00 |
| Outstanding Deposited Item Returned | $10/item/mo. |
| Draft Printing | Depends on Style |
| Foreign Checks | $20.00 |
| Money Market Low Balance | $15/occurrence |
| Money Orders | $3.00 |
| Notary Service for Non-Members | $2.00 |
| Overdraft of Account/NSF | $35.00 |
| Statement – Mailed | $2.00 |
| Stop Payment (all types) | $35.00 |
| Wire Transfers | in/$15; out/$30 |
| Dormant Account (2+years) | $3.00/mo. |
| 3rd Party Checks | $10.00/item |
| Below Par (S1 balance below $25) | $5.00/mo. |
| Negative Balance (after 3 days) | $5.00/day |
| Escheat | $75.00 |
| Items Exceeding 500/mo.* | $0.30 ea. |
| Cash Deposits/Withdrawals Exceeding $10,000/mo.* | 0.11% |
| Account Sweep* | $10.00 |
| ACH Debit per Transaction* | $0.10 |
| ACH Credit per Transaction* | $0.10 |
| ACH Returns & NOCs* | $5.00 |
*applies to business accounts only
Safe Deposit Boxes
| Size/Fee Description | Fee Amount |
|---|---|
| 3x5x22 | $30.00 |
| 3x10x22 | $45.00 |
| 5x10x22 | $55.00 |
| 10x10x22 | $75.00 |
| Drilling Charge | at cost |
| Key Replacement | $7.50 ea. |
| Pymt. 30 days past due | $5.00 |
