Privacy Policy & Disclosures

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Personal Loan

Payment Calculator

 

 

Auto Loan

Payment Calculator

 

 

 

 

 

 

 

 

Regular/Special
Share
Account

Money
Market Fund Acct.

Club
Share
Account

Christmas
Share
Account

IRA
Passbook
Account

Youth
Share
Account

DIVIDENDS
Dividend Rate/Annual Percentage Yield

DVD .15%
APY .15%

DVD .10%
APY .10%

DVD .15%
APY .15%

DVD .15%
APY .15%

DVD .15%
APY .15%

DVD .15%
APY .15%

Dividends Compounded

Monthly

Dividends Credited

Monthly

Dividend Period

Calendar Month

BALANCE REQUIREMENTS

Minimum Opening Deposit

$50.00

$2,500.00

$5.00

--

--

$5.00

Minimum Balance to Avoid a Service Fee

NONE

Minimum Balance to Earn the Stated APY

$50.00

$2,500.00

$5.00

--

--

$5.00

Balance Method

Average Daily Balance

ACCOUNT LIMITATIONS
Refer to Truth-In-Savings Disclosure.

Account
transfer
limitations apply.

--

--

Account
withdrawal
limitations
apply.

Penalty for early withdrawal may apply.

Account
transfer
limitations
apply.

 

DVD RATE

APY (DVD TO SHARES)

APY (DVD TO CD)

IRA

1 Year

.25%

 

.25%

2 Years

.45%

 

.45%

Term Share Certificate

6 months

.15%

.15%

.15%

1 Year

.25%

.25%

.25%

All certificates - Minimum deposit of $500.00 (Dividends paid monthly) – Penalty for early withdrawal may apply.  Refer to Truth-In-Savings Disclosure.

 

 

 

 

 

 

 

** Please call us for more information**

 

Program

APR*

PERSONAL** (Up to $25,000)

Up to 3 Years

As low as 4.75% APR*

4 Years

As low as 5.50% APR*

5 Years

As low as 6.50% APR*

 

NEW AUTOS** (100% financing available)

Up to 3 Years

As low as 2.95% APR*

4 Years

As low as 2.95% APR*

5 Years

As low as 3.95% APR*

6 Years

As low as 4.95% APR*

7 Years

As low as 5.95% APR*

 

PRE-OWNED AUTOS** (Autos up to 5 years old)

Up to 5 Years

As low as 3.95% APR*

6 Years

As low as 4.95% APR*

 

OVERDRAFT PROTECTION

Signature

As low as 10.00% APR*

 

SECURED LOANS

Loans secured by Shares

The Annual Percentage Rate (APR) will be the dividend rate being paid on Regular Shares (Index) on the date of the advance plus a margin of 2%.  Thereafter, the rates are subject to change on the first day of each month to reflect any change in the index.

Loans secured by Term Share Accounts (Certificates)

The Annual Percentage Rate (APR) will be the dividend rate being paid on the Share Certificate offered as security plus 2%.

 

HOME EQUITY LOAN DRAFT
 

Please call us for current rates.

 

*The ANNUAL PERCENTAGE RATE (APR) you receive for the above subaccounts will be within the range disclosed above and is based on certain credit-worthiness criteria.  Rates subject to change without notice.  Please ask the Credit Union for the rate you qualify for.

** .025% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.

 

VISA CREDIT CARD

CLICK HERE TO VIEW VISA CREDIT CARD AGREEMENT
CLICK HERE TO VIEW CREDIT CARD DISCLOSURE

Classic

 

Annual

Percentage

Rate (APR) for

Purchases

15.00%

Other

APRs

Cash Advance APR . . . . . 15.0%

Balance Transfer APR . . . 15.0%

Grace Period

for Purchases

25 Days

Method of

Computing the

Balance for

Purchases

Average Daily Balance

(Including New Purchases)

Annual Fee

None

Minimum

Finance Charge

None

Transaction Fee for Purchases

None

Foreign Transaction Fee 1% of transaction amount

Late Payment Fee

$15.00*

 *If ten (10) or more days late

Gold

 

Annual

Percentage

Rate (APR) for

Purchases

9.50%

Other

APRs

Cash Advance APR . . . . . 9.50%

Balance Transfer APR . . . 9.50%

Grace Period

for Purchases

25 Days

Method of

Computing the

Balance for

Purchases

Average Daily Balance

(Including New Purchases)

Annual Fee

None

Minimum

Finance Charge

None

Transaction Fee for Purchases

None

Foreign Transaction Fee 1% of transaction amount

Late Payment Fee

$15.00*

 *If ten (10) or more days late

 

APR = Annual Percentage Rate
APY = Annual Percentage Yield

  

All rates effective as of June 16, 2014
Rates subject to change without notice

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Federally Insured By NCUA


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