|
Type |
Rate
APR (as low
as) |
Term (up to ...) |
Conditions |
|
Personal (unsecured) |
15% |
N/A |
Personal and Overdraft Protection
loans combined are not to exceed $5,500 total |
|
Overdraft Protection |
15% |
N/A |
|
|
Home Improvement |
12% |
48 months |
Limited to the cost of the
improvements or a maximum of $10,000 |
|
VISA Credit Card |
10.9% |
Revolving
monthly |
$5,000 maximum ... required minimum
monthly payment is 4% of balance |
|
New vehicles |
8.25% |
72 months |
10% down |
|
Used vehicles |
8.25% |
60 months |
10% down |
|
Certificate or Share secured |
3% |
Open |
Certificate or Share Rate +
3% Adj. |
|
New motorcycles |
9.5% |
60 months |
20% down |
|
Used motorcycles |
9.5% |
48 months |
20% down |
|
New boats |
10.5% |
60 months |
10% down |
|
Used boats |
11.5% |
48 months |
15% down |
|
New and used campers |
10.5% |
48 months |
15% down ... term may be extended up
to 72 months for campers over $5,000 |
|
New snowmobiles |
10.5% |
48 months |
10% down |
|
Used snowmobiles |
11.5% |
36 months |
15% down |
|
New motor homes |
8.5% |
84 months |
10% down |
|
Used motor homes |
8.5% |
72 months |
15% down |
|
Other (secured) |
11.5% |
60 months |
15% down |
Deposits ...
|
Type |
Rate |
A.P.Y. |
Other
information |
|
Regular share account |
0.5% |
0.5009% |
$25 minimum balance must be
maintained |
|
Vacation or Christmas Club |
0.5% |
0.5009% |
NO Minimum |
|
Individual Retirement Account (IRA) |
2% |
2.0151% |
$250.00 |
|
6 month share certificate (CD) |
1.25% |
1.25% |
$5,000 minimum |
|
12 month share certificate (CD) |
1.25% |
1.25% |
$5,000 minimum |
Fees ...
|
Regular
share draft (checking) account ... Platinum
Plus account ... |
$3 per
month $5 per month
if minimum balance is not maintained |
|
Non-sufficient
Funds (NSF) ... |
$20 per
item |
|
Stop
payment ... |
$15 per
item |
|
Share
draft printing ... |
Price
varies by style |
|
Account
Reconciliation ... |
$10 per
hour |
|
Account
Research ... |
$10 per
hour |
|
Statement
copy ... |
$2 per
copy |
|
Money
Orders ... |
$1.50
each, $1.00 for seniors |
|
Certified
Checks … |
$2.00
each |
|
Manual
telephone transfers ... |
$1 per
transfer under $50 |
|
Wire
Transfer ... |
$10 |
|
ATM
transaction ... |
Falcon Network ATM -
$.75, all other ATM's $1.50 |
|
Dormant
account ... |
$5 per
month |
PLEASE
NOTE: All
information presented on this page is accurate and effective as of the date shown
at the top. If you have any questions or require personalized information
on your account(s), please call the credit union at 802-257-5131.
The
dividend rates and annual percentage yields (APY) are the rates and yields as
of the last dividend declaration date which is set forth in the Rate Schedule.
These
rates are determined by the Board of Directors and may change at any time.