Saving / Checking Rates
Effective date: 06/17/2020
Dividend Rates
Deposit Rates & Fees
| Product | Rate |
|---|---|
| Primary Share (Savings) Account | Tiered Dividend Rates – see below |
| Balance range $50.00 - $2,500.00 | 0.05% APY* |
| Balance range $2,500.01 - $9,999.99 | 0.15% APY* |
| Balance range $10,000.00 - $250,000.00 | 0.25% APY* |
| Vacation Club Savings Accounts | 0.05% APY* |
| Christmas Club Savings Accounts | 0.05% APY* |
| Share Draft (Checking) Account | 0.10% APY* |
| Premier Share Draft (Checking) Account | 0.25% APY* - up to $25,000.00 |
Term Share Rates
Effective 11/01/2023
Term Shares with Dividends Deposited to Shares
| Term | Minimum Deposit | Annual Percentage Yield |
|---|---|---|
| 6 Months | $1,000.00 | 2.80% |
| $5,000.00 | 2.85% | |
| $10,000.00 | 2.90% | |
| $20,000.00 | 2.95% | |
| 12 Months | $1,000.00 | 2.85% |
| $5,000.00 | 2.90% | |
| $10,000.00 | 2.95% | |
| $20,000.00 | 3.00% |
Term Shares with Dividends Added to Principal Monthly
| Term | Minimum Deposit | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| 6 Months | $1,000.00 | 2.80% | 2.80% |
| $5,000.00 | 2.85% | 2.85% | |
| $10,000.00 | 2.90% | 2.90% | |
| $20,000.00 | 2.95% | 2.95% | |
| 12 Months | $1,000.00 | 2.8% | 2.85% |
| $5,000.00 | 2.90% | 2.90% | |
| $10,000.00 | 2.95% | 2.95% | |
| $20,000.00 | 3.00% | 3.00% |
Fee Schedule
Effective January 1, 2020
Share/Savings Program Fees
| Fee / Description | Amount |
|---|---|
| New Member Account Fee | $0.00 |
| Account Closure (if closed w/in 90 days of opening) | $5.00 |
| Early Withdrawals (Club Accounts) | $10.00 / early withdrawal |
| Dormant Account (no activity after 12 months and balance is below $200.00) | $5.00 / month |
| Par Value of One Share | $50.00 |
Share Draft/Checking Program Fees
| Fee / Description | Amount |
|---|---|
| Check Printing Fee | Prices may vary depending upon style |
| NSF/Overdraft | $35.00 |
| Stop Payment per request | $35.00 |
| Returned Item Deposit | $35.00 / item |
| Items sent for collection | $35.00 / item |
| Monthly service charge | $0.00 |
| Courtesy Pay/Courtesy Protection Fee | $35.00 / item |
ATM/Debit Card Program Fees
| Fee / Description | Amount |
|---|---|
| NSF/Overdraft per item | $35.00 |
| Overdraft Protection from shares | $5.00 / transfer |
| ATM withdrawal (at a non-cu owned atm) | $0.00 |
| ATM/Debit card replacement | $10.00 / replacement |
| Cards in excess of 2 (per card) | $10.00 |
| PIN reissue per occurrence | $0.00 |
Other Service Fees
| Fee / Description | Amount |
|---|---|
| Loan Application Fee | $30.00 |
| Loan Late Fee | $25.00 when payment is 11 or more days late |
| ACH Origination Fee (One time occurrence) | $10.00 |
| ACH Origination Return Fee (NSF) | $35.00 |
| ACH Stop Payment | $35.00 / item |
| ACH NSF/Overdraft Item | $35.00 / item |
| Account Reconciliation | $20.00 / hour, minimum $20.00 charge |
| Account Research | $20.00 / hour, minimum $20.00 charge |
| Account Activity Print out/Statement Re-print | $3.00 / printout |
| Cashier’s Check | $20.00 / check |
| Deposited Item Return Fee | $35.00 / item |
| Items sent for Collection | $35.00 / item |
| Legal Process Fee | $50.00 |
| Third Party Teller’s check | $10.00 / check |
| Stop Payment for Teller’s check | $35.00 / check |
| Outgoing Domestic Wire | $15.00 |
| Incoming Domestic Wire | $10.00 |
| Outgoing International Wire | $25.00 |
| Incoming International Wire | $25.00 |
| Government Reclamations | $50.00 |
| Escheat | $25.00 |
| VISA® Gift Cards – Members | $1.75 / card |
| VISA® Gift Cards – Non-Members | $3.00 / card |
| Incoming/Outgoing fax for Member | $3.00 |
| GAP Insurance | $349.00 |
| Mechanical Repair Coverage | price available upon request |
| Loan Cancellation Fee | $50.00 |
| Loan Modification Fee | $10.00 |
| Levy/Garnishment Process | $25.00 |
| Verification of Deposit | $10.00 |
| Returned Statement/Returned Mail Fee | $5.00 |
| Mailed Statement Fee/Account Statement Fee | $1.00 per month |