APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of October 18, 2016. Rates and terms subject to change without notice. Fees could reduce the earnings on the account.

Regular Savings Account See Details

BalanceDividend RateAPY
$100 - $2,499.99 0.10% 0.10%
$2,500 - $49,999.99 0.10% 0.10%
$50,000+ 0.10% 0.10%

Savings Rates See Details

AccountDividend RateAPY
Coaster Accounts ($5.00 - $500.00) 0.10% 0.10%
IRA Shares 0.25% 0.25%
Other Shares 0.10% 0.10%

Money Market Accounts See Details

BalanceDividend RateAPY
$100 - $2,499.99 0.00% 0.00%
$2,500 - $24,999.99 0.10% 0.10%
$25,000 - $74,999.99 0.10% 0.10%
$75,000+ 0.15% 0.15%

Share Certificates See Details

TypeDividend RateAPY
6 Month CD 0.25% 0.25%
12 Month CD 0.35% 0.35%
12 Month ($25,000 min) CD & IRA 0.35% 0.35%
24 Month CD 0.40% 0.40%
24 Month ($25,000 min) CD & IRA 0.40% 0.40%
60 Month CD 0.50% 0.50%
60 Month IRA 0.50% 0.40%

Certificate rates subject to change without notice. Penalty for early withdrawal.

Auto Loans (New & Used) See Details

YearAPRApproximate Term
New As low as 2.50% Up to 60 Months
New As low as 2.75% Up to 72 Months
Used (2010 - 2015) As low as 3.00% Up to 48 Months
Used (2010 - 2015) As low as 3.25% Up to 60 Months

Rates include available discounts. Rates based on Credit Score. Exact rate quoted at time of approval.

Share Certificate / Share Secured Loans See Details

TypeAPRApproximate Term
Share Secured (fixed rate) 3.00% above rate 24 Months, Interest Monthly
Certificate Secured 3.00% above certificate rate Interest Monthly for Term of CD

Rates include available discounts. Rates based on Credit Score. Exact rate quoted at time of approval.

Other Loans

TypeAPRApproximate Term
New Motorcycle (up to 90% of purchase price) As low as 4.50% Up to 60 Months
Used Motorcycle (up to 90% of purchase price) As low as 5.25% Up to 60 Months
New RV or Boat (up to 90% of purchase price) As low as 5.50% Up to 84 Months
Used RV or Boat (up to 90% of purchase price) As low as 6.25% Up to 84 Months
Signature Loans As low as 9.00% Variable
Overdraft Protection (increments of $100) As low as 9.00% Variable
QuickCash (up to $1,000) 18.00% 6 Months

Rates include available discounts. Rates based on Credit Score. Exact rate quoted at time of approval.

Visa Credit Cards See Details

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

Visa Platinum
9.00% or 9.90% when you open your account, based on your creditworthiness
Visa Classic
9.00%, 9.90%, 10.90%, 11.90%, or 12.90% when you open your account, based on your creditworthiness
Visa Secured
14.90%
APR for Cash Advances

Visa Platinum
9.00% or 9.90% when you open your account, based on your creditworthiness
Visa Classic
9.00%, 9.90%, 10.90%, 11.90%, or 12.90% when you open your account, based on your creditworthiness
Visa Secured
14.90%
APR for Balance Transfers Visa Platinum
9.00% or 9.90% when you open your account, based on your creditworthiness
Visa Classic
9.00%, 9.90%, 10.90%, 11.90%, or 12.90% when you open your account, based on your creditworthiness
Visa Secured
14.90%
Transaction Fees
Balance Transfer Fee $15.00 or 2.00% of the amount of each balance transfer, whichever is greater
Foreign Transaction Fee 1.00% of each transaction in U.S. dollars
Penalty Fees
Late Payment Fee $20.00
Returned Payment Fee $25.00

How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases).”

Effective Date:
The information about the costs of the card described in this application is accurate as of April 1, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.

Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.

Rush Fee: $17.00

Emergency Card Replacement Fee: $17.50

Research Fee: $25.00