Rates








Loans | Savings | Certificates

Rates subject to change
Rates effective October 1st, 2018

 

 

Loans Rate APR* Term  
Share Secured Loan 3% Above Savings or 2% Above CD Rate   0.000 n/a Calculator
Christmas Loan 8.00 8.00 10 Calculator
Vacation Loan 8.00 8.00 10 Calculator
Closed-End Signature Loan 11.25  11.25   36 Calculator
Signature Loan 10.50 10.50 36 Calculator
Metal Buildings-  ($20,000 Maximum) 5.99  5.99   60 Calculator
Metal Buildings- ($20,000 Maximum) 6.99 6.99 72 Calculator
Metal Buildings-($20,000 Maximum) 7.99 7.99 84 Calculator
Portable Buildings- New Only($7500 Maximum) 5.99  5.99  48  Calculator
Lawn Mowers (under $5000) 4.99 4.99 36 Calculator
Lawn Mowers (over $5000) 5.99 5.99 48 Calculator
Used Vehicle-Older Models (2003 and Older) Retail Value 24 mos 5.50 5.50 24 Calculator
Used Vehicle Older Models (2003 and Older) Trade In 24 mos 5.25 5.25 24 Calculator
Used Vehicle-Older Models (2004 through 2008) Retail Value 36 mos 5.75 5.75 36 Calculator
Used Vehicle Older Models (2004 through 2008) Trade In 36 mos 5.50 5.50 36 Calculator
Used Vehicle Older Models (2009 through 2013) Trade In 48 mo 5.75 5.75 48 Calculator
Used Vehicle-Older Models (2009 through 2013) Retail Value 48 mos 6.00 6.00 48 Calculator
New Motor Homes (84 Months) 6.00 6.00 84 Calculator
New Motor Homes (120 Months) 6.25 6.25 120 Calculator
Used Motor Homes (84 months) 6.50 6.50 84 Calculator
Used Motor Homes (120 months) 7.50 7.50 120 Calculator
New Vehicle Loans (36 Months)  2018-2019 (will finance 1st tag and GAP Insurance) 2.49 2.49 36 Calculator
New Vehicle Loans (48 Months)  2018-20189(will finance 1st tag and GAP Insurance) 2.79 2.79 48 Calculator
New Vehicle Loans (60 Months)  2018-2019 (will finance 1st tag and GAP Insurance) 2.99 2.99 60 Calculator

New Vehicle Loans (72 Months)  2018-2019 (will finance 1st tag and GAP Insurance)

3.49 3.49 72 calculator
New Vehicle Loans (84 months) 2018-2019 (will finance 1st tag and GAP insurance 3.99  3.99    Calculator

 **WILL REFINANCE UP TO 6 MO FROM ORIGINAL PURCHASE DATE AS NEW**

       
Used Vehicle (2014 - 2018)36 Months Retail Value 3.250 3.250 36 Calculator
Used Vehicle (2014 - 2018)36 Months Trade In 3.250 3.250 36 Calculator
Used Vehicle (2014 - 2018)48 Months Retail Value 3.500 3.500 48 Calculator
Used Vehicle (2014 - 2018)48 Months Trade In 3.500 3.500 48 Calculator
Used Vehicle (2014 - 2018)60 Months Retail Value  3.750 3.750 60 Calculator
Used Vehicle (2014 - 2018)60 Months Trade In 3.750 3.750 60 Calculator
Used Vehicle (2014 - 2018) 72 months 4.990 4.990 72 calculator
ATV's, Motorcycles and Jet Skis New 4.99 4.99 60 Calculator
ATV's, Motorcycles and Jet Skis New 5.99 5.99 72 Calculator
ATV's, Motorcycles and Jet Skis New 6.99 6.99 84 Calculator
ATV's, Motorcycles and Jet Skis Used (Over 10 Years Old condition considered) 5.99 5.99 60 Calculator
New Boat 4.99 4..99 60  Calculator
New Boat (72 months) 5.99 5.99 72 Calculator
New Boat (84 months) 6.99 6.99 84 Calculator
Used Boat NADA Book ( Over 10 Years Old condition considered) 5.99 5.99 60  Calculator
Used Boats NADA Book Value (72 months) Over 10 yrs old condition considered 6.99 6.99 72 Calculator
Used Boat NADA Book Value (84 months) Over 10 yrs old condition considered 7.99 7.99 84 Calculator
New Tractor, Farm Equipment, & Trailers (60 months) 4.99 4.99 60 Calculator
New Tractor, Farm Equipment, & Trailers (72 months) 5.99 5.99 72 Calculator
New Tractor, Farm Equipment & Trailers (84 months) 6.99 6.99 84 Calculator
Used Tractor , Farm Equipment & Trailers (60 months) 5.99 5.99 60 Calculator
Used Tractor, Farm Equipment & Trailers (72 months) 6.99 6.99 72 Calculator
Used Tractor, Farm Equipment & Trailers (84 months) 7.99 7.99 84 Calculator
New Travel Trailers (60 months) 4.99 4.99 60 Calculator
New Travel Trailers (72 months) 5.99 5.99 72 Calculator
New Travel Trailers (84 months) 6.99 6.99 84 Calculator
Used Travel Trailers (60 months) 5.99 5.99 60  Calculator
Used Travel Trailers (72 months) 6.99 6.99 72 Calculator
Used Travel Trailers (84 months) 7.99 7.99 84 Calculator
New Horse Trailers  (60 months) 4.99 4.99 60 Calculator
New Horse Trailers (72 months) 5.99 5.99 72 Calculator
New Horse Trailers (84 months) 6.99 6.99 84 Calculator
Used Horse Trailers 5.99 5.99 48  Calculator
Used Horse Trailers (72 months) 6.99 6.99 60 Calculator
Used Horse Trailers (84 months) 7.99 7.99 72 Calculator
Mortgage and Land Loans 5 Year 4.00 4.00   60 Calculator
Mortgage and Land Loans 7 Years 4.25  4.25   84 Calculator
Mortgage and Land Loans 10 Years 4.50 4.50   120 calculator
Mortgage and Land Loans 15 Years 5.00  5.00   180 Calculator

 

 


**** Loan Policies: ****

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

You must furnish your most current pay stub.

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


*****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.

**** Unsecured Loan Limits ****

Gross Yearly Income
$12,001.00-15,000.00   $2000

$15,001.00-25,000.00 $4000

$25,001.00-Above $5000

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 Loan Committee.



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

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

****Minimum 1st & 2nd Mortgages $15,000****

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: ( Minimum $10K-Maximum $80K-No second Mortgages)

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 $450.00 to $550.00. This will be an out of pocket expense for the member.  Closing cost will be paid by the member.

****Processing fee $250.00****
Go To Loan Application| Go To Calculators| Back to Top
 

 

 

Rates subject to change
Rates effective February 1st, 2018

 

Savings Dividend Rate APY* Term
Share Savings $100.01 and Up .40 .40 n/a
Christmas Club .50 .50 n/a
Share Draft  $100.01 .25 .25 n/a
Individual Retirement Accounts (IRA) 1.75 1.75 n/a

 

Back to Top
 

Updated monthly
Rates effective August 17th, 2018

 

Certificates Dividend Rate APY* Term
Certificates Of Deposit 6 Month Term      6
Certificates Of Deposit 12 Month Term 2.000 2.000 12
Certificates Of Deposit 18 Month Term     18
Certificates Of Deposit 24 Month Term     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 February 1st, 2017

ALL ACCOUNTS

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

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

Cashier Checks..........................................................$2.00

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

IRA Annual Maintenance Fee.......................................................$5.00

IRA Early Withdrawl Fee....................................................................$5.00

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)

Early Closing of Christmas Club........................................$25.00

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......................................................$40.00

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)....................$30.00

Mortgage Loan Processing Fee.........................................$250.00
Back to Top
 

 

 

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

 

Privacy Policy

Notices, Terms, and Conditions
 
Design & Hosting by D+H

Browser Requirements
Copyright D+H All Rights Reserved.