Rates

All loan rates are quoted as an annual percentage rate. All rates are subject to change. Please contact us for our current rates and specials.

30 DAY MONEY MARKET

Effective: September 9, 2016

Amount/TermRateAPR
30 DAY MONEY MARKET MIN OF $500.00 .10 .10

CERTIFICATES OF DEPOSIT

Effective: September 9, 2016

Amount/TermRateAPR
CERTIFICATE OF DEPOSIT 91 DAY - $500 MIN. .15 .15
CERTIFICATE OF DEPOSIT 182 DAY - $500 MIN. .18 .18
CERTIFICATE OF DEPOSIT 12 MONTH - $500 MIN. .20 .20
CERTIFICATE OF DEPOSIT 18 MONTH - $500 MIN. .25 .25
CERTIFICATE OF DEPOSIT 24 MONTH - $500 MIN. .30 .30
CERTIFICATE OF DEPOSIT 30 MONTH - $500 MIN. .35 .35

CHECKING WITH INTEREST

Effective: September 9, 2016

Amount/TermRateAPR
CHECKING PLUS $1,500-$9,999.99 .05 .05
CHECKING PLUS $10,000-$24,999.99 .07 .07
CHECKING PLUS $25,000-$49,999.99 .09 .10
CHECKING PLUS OVER $50,000 .11 .12

CHRISTMAS CLUB SAVINGS

Effective: September 9, 2016

Amount/TermRateAPR
CHRISTMAS CLUB SAVINGS NO MINIMUM .10 .10

IRA's

Effective: September 9, 2016

Amount/TermRateAPR
IRA Variable NO MINIMUM .50 .50
IRA 30 Month Certificate NO MINIMUM .50 .50

SHARES

Effective: September 9, 2016

Amount/TermRateAPR
TIERED SHARE(SAVINGS) ACCOUNT UNDER $2,000 .05 .05
TIERED SHARE(SAVINGS) ACCOUNT OVER $2,000 .07 .07

CARS, TRUCKS, CYCLES, CAMPERS, AND BOATS

Effective: January 24, 2017

Amount/TermRateAPR
17, 16, 15 CALL FOR TERM AS LOW AS 1.99% 1.99%
14, 13, 12 CALL FOR TERM AS LOW AS 1.99% 1.99%
11,10 CALL FOR TERM AS LOW AS 1.99% 1.99%
09, 08 CALL FOR TERM AS LOW AS 1.99% 1.99%
07 & OLDER CALL FOR TERM AS LOW AS 1.99% 1.99%
Actual rates may be higher based on your credit history.

OTHER TYPES OF RV'S

Effective: August 5, 2015

Amount/TermRateAPR
SKI JETS, SNOWMOBILES, ATVS 60 MONTHS MAXIMUM VEHICLE RATES PLUS 1%
Actual rates may be higher based on your credit history.

COLLATERALIZED (TITLE) LOANS

Effective: September 9, 2016

Amount/TermRateAPR
SECURED WITH TITLED COLLATERAL MODEL YEAR 2017-2016 AS LOW AS 3.40% 3.40%
SECURED WITH TITLED COLLATERAL MODEL YEARS 2015 AND OLDER AS LOW AS 3.40% 3.40%
Actual rates may be higher based on your credit history.

FIRST MORTGAGE LOANS

Effective: August 5, 2015

Amount/TermRateAPR
FIXED RATE IN HOUSE LOANS 15, 10 YRS 80% LTV CALL FOR RATE
SECONDARY MARKET CALL FOR DETAILS CALL FOR DETAILS
Actual rates may be higher based on your credit history.

HOME EQUITY LOANS

Effective: August 5, 2015

Amount/TermRateAPR
UP TO 60 MONTHS $75,000 MAX Call For Rate  -- 
61-180 MONTHS $75,000 MAX Call For Rate  -- 
Actual rates may be higher based on your credit history.

SHARE AND CERTIFICATE BACKED LOANS

Effective: August 5, 2015

Amount/TermRateAPR
CERTIFICATE LOAN MATURITY OF CERTIFICATE Call For Rate 
SHARE SECURED 48 MONTHS Call For Rate  -- 
Actual rates may be higher based on your credit history.

UNSECURED LOANS

Effective: April 1, 2011

Amount/TermRateAPR
CLOSED END SIGNATURE  1 YR AND UNDER AS LOW AS 9.00% 9.00%
CLOSED END SIGNATURE OVER 1 YR AS LOW AS 10.00% 10.00%
OPEN END SIGNATURE 24 MONTH REVIEW AS LOW AS 11.00% 11.00%
Actual rates may be higher based on your credit history.

FEE SCHEDULE

Effective: December 1, 2007

CHECKING ACCOUNT
BASIC CHECKING FREE
CHECKING PLUS (OVER $1,500) FREE
CHECKING PLUS (UNDER $1,500) $5.00 PER MONTH
RETURNED CHECK FOR NSF $23.00
PHOTOCOPY OF CHECK $5.35
STOP PAYMENT $12.84
ACH/EFT STOP PAYMENTS $12.00
TELEPHONE TRANSFERS FREE
OTHER SHARE SAVINGS
NSF RETURN ITEM $10.00
NSF RETURN ITEM $23.00
PHOTOCOPY OF CHECK $5.00
STOP PAYMENT OF CHECK $12.00
ACH/EFT REVOKE FREE
TELLER CHECK (OTHER PARTY) $1.00
CASHIERS CHECK $3.00
OTHER FEES
ACCOUNT ACTIVITY REPORT $2.00/PG
CHECK-CASHING (NON-MEMBERS) $7.00
MONEY ORDERS ($1,000 MAX) $1.00
MONEY ORDERS (NON-MEMBERS) $3.00
ATM/DEBIT CARD (PER YEAR) FREE
ATM/DEBIT REPLACEMENT CARD $15.00
ATM $ W/D (OVER 10 PER MONTH) $1.00/EACH
ATM/DEBIT CARD RETURN FOR NSF $23.00
BILL PAYER SERVICE (MANUAL) $1.00/MONTH
BILL PAYER AUTOCASH (ACH/EFT) $1.00/MONTH
ACH/EFT RETURNS FOR NSF $23.00
VISA TRAVEL MONEY CARD (ATM OR POS) $4.99
VISA GIFT CARD (POS ONLY) $9.95
VISA CASH PASSPORT (ATM ONLY) $5.00
SHARE ACCOUNT CLOSE IN 1ST 60 DAYS $10.00
EARLY CHRISTMAS CLUB CLOSING $5.00
RESEARCH FEE (MIN OF $20) $20.00
RESEARCH FEE (MIN OF $20) $20.00/HR
WIRE FEES
DOMESTIC INCOMING $15.00
DOMESTIC OUTGOING $15.00
INTERNATIONAL INCOMING $25.00
INTERNATIONAL OUTGOING $25.00
MANUAL REPAIRS $2.00
TRACES $10.00
AMENDMENTS $25.00/EACH
RETURNS $25.00
REVERSALS $25.00
CANCEL FOREIGN CURRENCY WIRES $50.00 MIN
BILL PAY CHARGES
PER TRANSACTION FEE FREE 
NSF OVERDRAFT $23.00