Loan Rates
Credit rates are effective as of 11/20/2024. Rates are subject to change without notice.
reported by Equifax, Experian, or TRW.
| Collateral Loans | APR*% | APR Term | Max Term Payment Example |
|---|
| 2021-2025 AUTO/MOTORCYCLES |
as low as 5.09% |
36 months |
$30.02 per $1000 borrowed |
|---|
| 2021-2025 AUTO/MOTORCYCLES |
as low as 5.29% |
48 months |
$23.17 per $1000 borrowed |
|---|
| 2021-2025 AUTO/MOTORCYCLES |
as low as 5.49% |
60 months |
$19.10 per $1000 borrowed |
|---|
| 2021-2025 AUTO/MOTORCYCLES |
as low as 6.49% |
72 months |
$16.81 per $1000 borrowed |
|---|
| 2021-2025 AUTO/MOTORCYCLES |
as low as 8.49% |
84 months |
$15.84 per $1000 borrowed |
|---|
| 2018-2020 AUTO/MOTORCYCLES |
as low as 5.19% |
36 months |
$30.06 per $1000 borrowed |
|---|
| 2018-2020 AUTO/MOTORCYCLES |
as low as 5.49% |
48 months |
$23.26 per $1000 borrowed |
|---|
| 2018-2020 AUTO/MOTORCYCLES |
as low as 5.79% |
60 months |
$19.24 per $1000 borrowed |
|---|
| 2018-2020 AUTO/MOTORCYCLES |
as low as 6.99% |
72 months |
$17.05 per $1000 borrowed |
|---|
| 2018-2020 AUTO/MOTORCYCLES |
as low as 8.99% |
84 months |
$16.09 per $1000 borrowed |
|---|
| 2015-2017 AUTO/MOTORCYCLES |
as low as 6.09% |
36 months |
$30.47 per $1000 borrowed |
|---|
| 2015-2017 AUTO/MOTORCYCLES |
as low as 6.49% |
48 months |
$23.72 per $1000 borrowed |
|---|
| 2015-2017 AUTO/MOTORCYCLES |
as low as 6.99% |
60 months |
$19.80 per $1000 borrowed |
|---|
| 2014 AND OLDER AUTOS/MOTORCYCLES |
as low as 9.49% |
48 months |
$25.13 per $1000 borrowed |
|---|
| 2021-2025 BOATS AND RV’S* |
as low as 6.99% |
36 months |
$30.88 per $1000 borrowed |
|---|
| 2021-2025 BOATS AND RV’S* |
as low as 8.39% |
60 months |
$20.47 per $1000 borrowed |
|---|
| 2021-2025 BOATS AND RV’S* |
as low as 9.49% |
84 months |
$16.35 per $1000 borrowed |
|---|
| 2021-2025 BOATS AND RV’S* |
as low as 10.49% |
120 months |
$13.50 per $1000 borrowed |
|---|
| 2021-2025 BOATS AND RV’S* |
as low as 10.99% |
144 months |
$12.54 per $1000 borrowed |
|---|
| 2020 OR OLDER BOATS AND RV’S* |
as low as 7.49% |
36 months |
$31.11 per $1000 borrowed |
|---|
| 2020 OR OLDER BOATS AND RV’S* |
as low as 8.99% |
60 months |
$20.76 per $1000 borrowed |
|---|
| 2020 OR OLDER BOATS AND RV’S* |
as low as 9.99% |
84 months |
$16.61 per $1000 borrowed |
|---|
| 2020 OR OLDER BOATS AND RV’S* |
as low as 10.99% |
120 months |
$13.78 per $1000 borrowed |
|---|
| 2020 OR OLDER BOATS AND RV’S* |
as low as 11.49% |
144 months |
$12.84 per $1000 borrowed |
|---|
| 2018-2025 SNOWMOBILE/ATV* |
as low as 7.49% |
36 months |
$31.11 per $1000 borrowed |
|---|
| 2018-2025 SNOWMOBILE/ATV* |
as low as 8.49% |
60 months |
$20.52 per $1000 borrowed |
|---|
| 2017 OR OLDER SNOWMOBILE/ATV* |
as low as 7.99% |
36 months |
$31.34 per $1000 borrowed |
|---|
| 2017 OR OLDER SNOWMOBILE/ATV* |
as low as 8.99% |
60 months |
$20.76 per $1000 borrowed |
|---|
| * 36 month term may require 10% down, 60 and 84 month term requires 20% down, and 120 month term requires 25% down. |
| Unsecured Loan | APR*% | APR Term | Max Term Payment Example |
|---|
| 36 months |
as low as 9.99% |
36 months |
$32.26 per $1000 borrowed |
|---|
| 48 months |
as low as 10.49% |
48 months |
$25.60 per $1000 borrowed |
|---|
| 60 months |
as low as 10.99% |
60 months |
$21.74 per $1000 borrowed |
|---|
REAL ESTATE COLLATERAL – HOME EQUITIES (80%), VARIABLE HE LOC, HOME IMPROVEMENT
| UP TO 5 YEARS | APR% | Daily % | Amount |
|---|
| 60% HOME EQUITY CLEAR |
6.25% |
0.017123 |
|
|---|
| 80% HOME EQUITY FIXED |
6.50% |
0.017809 |
|
|---|
| 80% - 100% HOME EQUITY FIXED |
8.49% |
0.023261 |
|
|---|
| 5 to 15 YEARS | APR% | Daily % | Amount |
|---|
| 60% HOME EQUITY CLEAR |
7.00% |
0.019178 |
|
|---|
| 80% HOME EQUITY FIXED |
7.25% |
0.019861 |
|
|---|
| 80%-100% HOME EQUITY FIXED |
8.99% |
0.024631 |
|
|---|
| UP TO 15 YEARS |
|
|
|
|---|
| 80% HOME EQUITY LOC |
8.25%-9.50% |
0.022602-0.026027 |
|
|---|
| DRAW PERIOD 1ST 5 YEARS |
|
|
|
|---|
| $900.00 Closing Cost on all Home Equity Loans |
| VISA Classic - 12.90% |
| VISA Platinum - 9.90% |
| VISA Lifestyle - 4.90% |
| Overdraft - 12.90% |
| Signature - 16.00% |
| Share Secured - 2.75% |
| Lifestyle LOC - 8.90% |
Deposit Rates
Rates are effective as of 10/01/2024. Rates are subject to change without notice.
| Savings | Dividend Rate | APY* | Term | Minimum Balance |
|---|
| Regular Shares |
0.050% |
0.050% |
n/a |
$5.00 |
|---|
| WINcentive™ Share |
0.050% |
0.050% |
n/a |
$5.00 |
|---|
| Money Market Tier 1 |
0.500% |
0.500% |
n/a |
$0.01 - $9,999.99 |
|---|
| Money Market Tier 2 |
0.500% |
0.500% |
n/a |
$10,000 - $24,999.99 |
|---|
| Money Market Tier 3 |
0.750% 1.00% |
0.750% |
n/a |
$25,000 - $49,999.99 |
|---|
| Money Market Tier 4 |
1.000% |
1.000% |
n/a |
$50,000 - $99,999.99 |
|---|
| Money Market Tier 5 |
1.250% 1.50% |
1.250% |
n/a |
$100,000 - and above |
|---|
| Lifestyle Checking (Share Draft) Tier 1 |
0.050% |
0.050% |
n/a |
$400.00 |
|---|
| Lifestyle Checking (Share Draft) Tier 2 |
0.100% |
0.100% |
n/a |
$5,000.00 |
|---|
| Christmas Club |
0.050% |
0.050% |
n/a |
0.00 |
|---|
| IRA Deposit Account |
0.150% |
0.150% |
n/a |
0.00 |
|---|
| Rates are effective as of 10/01/2024. Rates are subject to change without notice. |
| Certificates | Dividend Rate | APY* | Term |
|---|
| 3 Month Share Certificate |
1.240% |
1.250% |
3 |
|---|
| 6 Month Share Certificate |
1.490% |
1.500% |
6 |
|---|
| 1 Year Share Certificate |
3.940% |
4.000% |
12 |
|---|
| 2 Year Share Certificate |
1.980% |
2.000% |
24 |
|---|
| 3 Year Share Certificate |
2.480% |
2.500% |
36 |
|---|
| 4 Year Share Certificate |
2.480% |
2.500% |
48 |
|---|
| 5 Year Share Certificate |
2.480% |
2.500% |
60 |
|---|
| 3 Year "Step Up" Rate Certificate |
2.380% |
2.400% |
36 |
|---|
| 5 Year "Step Up" Rate Certificate |
2.130% |
2.150% |
60 |
|---|
| IRA 1 Year Certificate |
3.940% |
4.000% |
12 |
|---|
| IRA 2 Year Certificate |
1.980% |
2.000% |
24 |
|---|
| IRA 3 Year Certificate |
2.480% |
2.500% |
36 |
|---|
Fee Schedules
Effective January 1, 2023
| Money Market Account Fees |
|---|
| Withdrawal |
$10 / Withdrawal - Free if the withdrawal is greater than $500 |
|---|
| Excessive Transaction |
$10 / Withdrawal after first 6 per month |
|---|
| Money Market Account Monthly Service |
$25 / Month if minimum balance is not maintained |
|---|
| Checking Account Fees |
|---|
| NSF |
$30.00 / Item per presentment |
| Stop Payment |
$30.00 / Item |
| Check Printing |
Prices vary depending on style |
| Monthly Checking Account Service |
$10.00 / Month if minimum balance is not maintained in the Lifestyle Checking |
| Courtsey Pay |
$30.00 / Item per presentment |
| Other Service Fees |
|---|
| Account Inquiry |
$2.00 / Inquiry |
| Account Reconciliation / Research |
$30.00 / Hour |
| Early Closure Fee (Closing account within 90 days of opening) |
$25.00 |
Wire Transfer
Outgoing Domestic
International |
$25.00 / Transfer
$60.00 / Transfer |
| Money Order |
$2.00 / Money Order |
| Gift Card |
$3.00 / Gift Card |
| Travel Card |
$6.00 / Travel Card |
| Prepaid Debit Card |
$10.00 / Card |
| Collection Item |
$20.00 / Item |
| Escheat Processing |
$35.00 |
| Levy/Garnishment |
$75.00 / Item |
| Returned Deposit Item |
No Charge |
| Paper Statement |
$5.00 / Statement |
| Members under 18 and over 60 are exempt |
|---|
| Statement Copy/Check Copy |
$5.00 / Item |
| Returned Mail / Statements |
$10.00 / Item |
| Teller Telephone |
$2.00 / Each |
| Audio Response |
No Charge |
| Online Banking |
No Charge |
| E-Statements |
No Charge |
| Maintenance Account |
$5.00 / Quarter if less than $100 and no activity for 12 months (accounts for minors exempt from this fee) |
| Corporate Drafts |
Free to self |
| Check Cashing - Government, Payroll and Social Security Checks |
3% of check amount with a minimum of $3.00 |
| EFT Fees |
|---|
| Lifestyle checking Nonproprietary |
No Charge |
| Basic Free Checking Nonproprietary |
$1.00 / Withdrawal after 3 per month |
| Replacement Card |
$20.00 / Card |
| Rush Card |
$25.00 / Card |
| NSF - Recurring ACH |
$30.00 / Item |
| Member Selected ATM PIN |
$1.00 (No Charge if selected when activating card via the telephone) |
| Lending Fees |
|---|
| Mortgage Subordination |
$100/ Loan |
| Duplicate Lien Release |
$20.00 |
| Mortgage Satisfaction |
$55.00 |
| Share Value / Membership Fee |
| Par Value of One Share |
$5.00 |
| Membership Fee |
$0.25 |
