Rates








Loans | Savings | Certificates

Rates subject to change
Rates effective January 21, 2011

****Mortgage loans reinstated August 1st, 2011****

 

Loans Rate APR* Term  
Share Secured Loan 3% Above Savings or 2% Above CD Rate   0.000 n/a Calculator
Christmas Loan 6.000 6.000 10 Calculator
Vacation Loan 6.000 6.000 10 Calculator
Closed-End Signature Loan 10.50  10.50   36 Calculator
Signature Loan 9.750 9.750 36 Calculator
Pop-Up Camper 10.250 10.250 24 Calculator
Gooseneck Flatbed Farm Equipment Trailers 9.000 9.000 36 Calculator
Lawn Mowers 6.000 6.000 36 Calculator
Used Vehicle-Older Models (2003 and Older) Retail Value 24 mos 5.000 5.000 24 Calculator
Used Vehicle Older Models (2003 and Older) Trade In 24 mos 4.750 4.750 24 Calculator
Used Vehicle-Older Models (2004 through 2006) Retail Value 36 mos 5.250 5.250 36 Calculator
Used Vehicle Older Models (2004 through 2006) Trade In 36 mos 5.000 5.000 36 Calculator
Used Vehicle Older Models (2007 through 2009) Trade In 48 mo 5.500 5.500 48 Calculator
Used Vehicle-Older Models (2007 through 2009) Retail Value 48 mos 5.250 5.250 48 Calculator
New Motor Homes (84 Months) 7.000 7.000 84 Calculator
New Motor Homes (120 Months) 7.250 7.250 120 Calculator
Used Motor Homes (48 months) 7.500 7.500 48  
         
New Vehicle Loans (36 Months)  2012-2011 (will finance 1st tag and GAP Insurance) 3.750 3.750 36 Calculator
New Vehicle Loans (48 Months)  2012-2011 (will finance 1st tag and GAP Insurance) 3.750 3.750 48 Calculator
New Vehicle Loans (60 Months)  2012-2011 (will finance 1st tag and GAP Insurance) 3.750 3.750 60 Calculator
New Vehicle Loans (72 Months)  2012-2011 (will finance 1st tag and GAP Insurance) 4.500 4.500 72 calculator
 **WILL REFINANCE UP TO 6 MO FROM ORIGINAL PURCHASE DATE AS NEW**        
Used Vehicle (2010 and 2011)36 Months Retail Value 3.750 3.750 36 Calculator
Used Vehicle (2010 and 2011)36 Months Trade In 3.750 3.750 36 Calculator
Used Vehicle (2010 and 2011)48 Months Retail Value 3.750 3.750 48 Calculator
Used Vehicle (2010 and 2011)48 Months Trade In 3.750 3.750 48 Calculator
Used Vehicle (2010 and 2011)60 Months Retail Value  3.750 3.750 60 Calculator
Used Vehicle (2010 and 2011)60 Months Trade In 3.750 3.750 60 Calculator
Used Vehicle (2010 and 2011) 72 months 5.500 5.500 72 calculator
ATV's, Motorcycles and Jet Skis New 5.000 5.000 60 Calculator
ATV's, Motorcycles and Jet Skis Used Will Not Finance One Over 5 Years Old 6.000 6.000 48 Calculator
New Boat (90% Sticker Price) 6.500 6.500 48 Calculator
Used Boat Loan Value NADA Book Will Not Finance One Over 7 Years Old 7.500 7.500 36 Calculator
New Tractor (90% Sticker Price) 60 months 6.500 6.500 60 Calculator
Used Tractor - 48 months 7.500 7.500 48 Calculator
New Travel Trailers (90% Sticker Price) 48 months 6.500 6.500 48 Calculator
Used Travel Trailers 48 months 7.500 7.500 48 Calculator
New Horse Trailers   60 months 7.250 7.250 60 Calculator
Used Horse Trailers 8.250 8.250 48 Calculator
Mortgage and Land Loans 5 Year -Reinstated August 1st, 2011 4.250 4.250   60 Calculator
Mortgage and Land Loans 7 Years-Reinstated August 1st, 2011 4.500  4.500   84 Calculator
Mortgage and Land Loans 10 Years-Reinstated August 1st, 2011 4.750  4.750   120 calculator
Mortgage and Land Loans 15 Years-Reinstated August 1st, 2011 5.000  5.000   180 Calculator

 

 


**** Loan Policies: ****

You must be employed with a full time employer for 6 months before applying for a loan.

You must furnish a current pay stub.

You must have $100.00 in your savings account to apply for a loan.

Loan applications must be in by 3:00 PM Tuesday and will be reviewed by the Credit Committee on Wednesday.

*****New Vehicle Loans*********

We will finance 1st year tag and GAP insurance for NEW car purchases.
We will refinance any loan on new cars with another financial institution that are 6 months or less from date of purchase.
We will refinance to lower rates for a fee of $75 plus the documentation fee of $25

**** Unsecured Loan Limits ****

Gross Yearly Income
Under________$10,000.00______$1.500.00
$10,000.01 to $11,000.00_____$1,800.00
$11,000.01 to $13,000.00_____$2,000.00
$13,000.01 to $15,000.00_____$2,500.00
$15,000.01 to And Above______$3,500.00
$25,000.00 + 2 Years With Present Employer _______$5,000.00

The first signature loan will be a closed-end at a higher rate.  This loan may be converted to an open-end line of credit after a 12 month history is established and the following criteria is met:

Debt Ratio- below 60%, No liens-judgments, or garnishments, Bankruptcy 7(over 2 yrs old), Bankruptcy 13 (discharged at least 6 months prior to application).  Exceptions can be made by the Credit Committee.



**** Mortgage and Land Loan Policies ****

**** 1st Mortgage Max $175,000.00 ****
**** 2nd Mortgage Max $100,000.00 ****

We will finance up to 80% of appraisal value for all home loans.

We do not finance mobile homes.


We will finance up to 65% of what LAND is appraised for or the cost of the land or whichever is least.  We will finance land up to 80% with the following criteria:

5 years of employment on current job

No bankruptcies, judgements or leins

Credit history with credit union must have no delinquency

No consistent delinquency with other financial institutions

If individual (the person owning or buying) has already gotten an appraisal which is no more than 6 months old, that apprasial can be used without getting a new appraisal. New appraisals cost around $400.00. This will be an out of pocket expense for the member.  Closing cost will be paid by the member.
Go To Loan Application| Go To Calculators| Back to Top
 

 

 

Rates subject to change
Rates effective June 1st, 2011

 

Savings Dividend Rate APY* Term
Share Savings $100.01 and Up .50 .50 n/a
Christmas Club .75 .75 n/a
Share Draft  $100.01 .25 .25 n/a
Individual Retirement Accounts (IRA) 1.75 1.76 n/a

 

Back to Top
 

Updated monthly
Rates effective the 21st day of January 2011

 

Certificates Dividend Rate APY* Term
Certificates Of Deposit 6 Month Term  .75 .75 6
Certificates Of Deposit 12 Month Term .75 .75 12
Certificates Of Deposit 18 Month Term .75 .75 18
Certificates Of Deposit 24 Month Term .75 .75 24

 

Certificates of Deposit require a $5,000.00 minimum deposit.

Certificate of Deposit interest will be paid semi-annually

There will be a three month penalty for early withdrawal.

The Credit Union Board of Directors will determine Certificate of Deposit rates.

LATE CHARGES ON ALL LOANS 

     effective 1 September 2011

There will be a fee of $15.00 added to any account that is PAST DUE 15 DAYS. Exception: (Effective October 1st, 2011) Open-end loans will have a 18 day grace period before assessing a late charge.

Any account that goes DELINQUENT 60 DAYS will be turned over for collection.  You will be responsible for  all costs of collecting the amount you owe under the Loan Agreement including court costs and reasonable attorney fees.

 

Fees and Charges     effective 1 September 2011

ALL ACCOUNTS

Membership Fee ($30.00 Min. deposit).....................$5.00

Statement Copy Fee(per statement)..........................$2.00

Microfiche Fee(previous month per page)....................$1.00

Money Orders..........................................................$2.00

Travelers Checks(per each $100.00)...........................$1.00

Fax Fee(1st Page $2)...............................(Extra pages).....................................$1.00

IRA Annual Maintenance Fee.......................................................$3.00

IRA Early Withdrawl Fee....................................................................$3.00

Verification of Deposit.................................................................................$3.00

Excessive Withdrawals Share Account (After 9 per quarter)..............$1.00 per transaction (exclude eletronic transfers)

Early Account Closing Fee....................................(6 mo. $15.00-12 mo $5.00)

SHARE DRAFT ACCOUNTS

Monthly Service Charge(If balance goes below $500)..............................................$5.00

Check Order (Price varies per style average $19.00)................+$4.00 Credit Union Fee 1st Box

Overdraft Fee(per item after 3rd transfer from savings)....$40.00

Insufficient Funds Check Returns(per item)...................$40.00

Stop Payment Fee......................................................$25.00

Check Copy fee..............................$5.00 per check

Debit Card Fee (1st one free)...............$5.00 second one..............$10.00 each after that

Check Cashing Non-Member...............................................................$3.00

XMAS CLUB EARLY WITHDRAW.................................$25.00

LOAN ACCOUNTS

Title Application Fee................................................................$12.00

UCC 1 Fee............................................................................$15.00

Application Fee...............................................................$5.00

Loan Documentation Fee (If loan is approved)....................$20.00

Refinance for Lower Rate.................................................$75.00
Back to Top
 

 

 

[ Home | Online Banking | Rates | Products | Services | Online Services | About Us | Contact Us ]

 

Privacy Policy

Notices, Terms, and Conditions
 
Design & Hosting by Harland Financial Solutions, Inc.

Browser Requirements
Copyright © Harland Financial Solutions, Inc. All Rights Reserved.