Rates & Fees

Loan Rates Rate
Shares secured 6.00%
Signature 15%

Savings Rates Rate
Passbook 0.10%
IRA Passbook 0.10%
6-month, 1 and 2 year CD Contact our office
Dividend Rates as of 7/01/2017 Click here for rates

Fees for Special Services
Deposited checks (and other items) returned unpaid $30.00
Copy of draft $11.00
Under minimum of required balance of $100.00 $10.00
Wire transfer out (call office for details) $25.00
Check withdrawal from shares (1st two are free, thereafter each check) $5.00
Overdraft charge for each Debit $26.50
Shares Drafts order Varies
ATM withdrawals $1.25
ATM point of sale $.40
ATM replacement card $10.00
ATM deposit $2.50
Money order $2.00
STOP Payment on all checks $31.50
Gift cards $3.00
Account activity printout $5.00
Cashier Check $5.00
Pre-paid Visa card $10.00
Account research or balancing assistance (per each account and hour) $25.00
Return Mail $25.00
Filing fee for loan $10.00


New Car Rates (Effective 1/01/2017)

2017
Scores 36 Months 48 Months 60 Months 72 Months 84 Months
A/0-200 3.00% 3.25% 3.50% 4.00% 4.50%
B/201-299 3.10% 3.35% 3.60% 4.50% 5.00%
C/300-600 6.90% 8.00% 8.50% 9.00% 9.50%
D/601-1000 7.50% 8.50% 9.50% 10.25% 10.50%

2016
Scores 36 Months 48 Months 60 Months 72 Months 84 Months
A/0-200 3.00% 3.45% 4.25% 4.50% 5.50%
B/201-299 3.25% 3.50% 5.10% 5.25% 6.25%
C/300-600 7.50% 8.00% 9.00% 9.25% 10.50%
D/601-1000 8.50% 9.00% 9.50% 10.00% 11.00%

All other years (2015 to 2012)
Scores 36 Months 48 Months 60 Months 72 Months
A/0-200 6.00% 6.50% 7.00% 7.50%
B/201-299 6.50% 7.00% 7.25% 7.75%
C/300-600 7.00% 9.00% 10.00% 10.25%
D/601-1000 10.00% 11.00% 11.50% 12.00%


To apply you must have:

  • Loan Application
  • 2 Current Pay Stubs
  • Bill of sale
  • Proof of insurance
  • 5% of total price of car loan in shares
  • Have everything at the credit union by every Wednesday the loan will be looked over




    • ***All eligible loans will be scored using an approved credit bureau risk scored. Experian is our credit bureau. This Score will determine the rate the member will receive.

      The credit committee meets every Thursday to approve all loans. Please have all paperwork in the office by any Wednesday