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| Rates and fees that truly entertain. Putting the power of the Credit Union to work for your financial needs is a wise decision. As a not-for-profit institution, after expenses are paid and reserves set aside, surplus earnings are returned to you in the form of higher dividends, lower loan rates and free or low-cost services. As a member-owner, your financial goals are the priority and the Credit Union's goal is to help you succeed. Select from the following to learn more: |
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| Rates, terms and conditions subject to change without notice. |
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| RATES QUOTED ON THIS RATE SHEET ARE SUBJECT TO CHANGE WITHOUT NOTICE |
| Account Type | Minimum Deposit to Open Account | Balance Tiers to Earn Dividends | Dividend Rate | Annual Percentage Yield |
| Performance Checking | $25 | $1,000 and over | 0.050% | 0.050% |
| Primary Savings | $50 | $50 - $249 | 0.000% | 0.000% |
| $250 - $9,999 | 0.100% | 0.100% | ||
| $10,000 - $49,999 | 0.150% | 0.150% | ||
| $50,000 - $99,999 | 0.200% | 0.200% | ||
| $100,000 and over | 0.300% | 0.300% | ||
| Additional Savings | None | $50 - $249 | 0.000% | 0.000% |
| $250 - $9,999 | 0.100% | 0.100% | ||
| $10,000 - $49,999 | 0.150% | 0.150% | ||
| $50,000 - $99,999 | 0.200% | 0.200% | ||
| $100,000 and over | 0.300% | 0.300% | ||
| IRA (Traditional, Roth) | $50 | $50 - $9,999 | 0.100% | 0.100% |
| $10,000 - $49,999 | 0.150% | 0.150% | ||
| $50,000 - $99,999 | 0.200% | 0.200% | ||
| $100,000 and over | 0.300% | 0.300% | ||
| Money Market | $2,500 | $0.01 - $2,499 | 0.200% | 0.200% |
| $2,500 - $24,999 | 0.300% | 0.300% | ||
| $25,000 - $49,999 | 0.399% | 0.400% | ||
| $50,000 - $74,999 | 0.499% | 0.500% | ||
| $75,000 - $99,999 | 0.598% | 0.600% | ||
| $100,000 and over | 0.747% | 0.750% |
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| CHECKING ACCOUNTS - Performance Checking accounts have a Monthly Service Charge of $10.00 if monthly average balance is less than $1,000. Monthly Service Charge WAIVED if average balance is $1,000 or more OR if you enroll in eStatements OR with monthly electronic Direct Deposit. Dividends on Checking Accounts are earned daily, the dividend period is monthly and dividends are credited monthly on the last day of the month. Once accounts are opened, rates on Checking Accounts are subject to change MONTHLY. SAVINGS and IRA ACCOUNTS - Dividends on Savings Accounts and IRA Accounts are earned daily, the dividend period is monthly and dividends are credited monthly on the last day of the month. Once accounts are opened, rates on Savings Accounts are subject to change MONTHLY. MONEY MARKET ACCOUNTS- Dividends on Money Market Accounts are aarned daily, the dividend period is monthly and dividends are credited monthly on the last day of the month. Once accounts are opened, rates on Money Market Accounts are subject to change WEEKLY. |
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| Account Type | Minimum Deposit to Open Account | Balance Tiers to Earn Dividends | Dividend Rate | Annual Percentage Yield |
| Health Savings (HSA) | $50 | $0.01 and over | 0.050% | 0.050% |
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| Account Type | Minimum Deposit to Open Account | Balance Tiers to Earn Dividends | Dividend Rate | Annual Percentage Yield |
| Coogan Savings | $50 | $50 - $9,999 | 0.100% | 0.100% |
| $10,000 - $49,999 | 0.150% | 0.150% | ||
| $50,000 - $99,999 | 0.200% | 0.200% | ||
| $100,000 and over | 0.300% | 0.300% | ||
| Young Performer Savings | $50 | $50 - $9,999 | 0.100% | 0.100% |
| $10,000 - $49,999 | 0.150% | 0.150% | ||
| $50,000 - $99,999 | 0.200% | 0.200% | ||
| $100,000 and over | 0.300% | 0.300% | ||
| Young Performer Checking | $25 | None | 0.050% | 0.050% |
| Teen Access Checking | None | No Dividends Earned | None | None |
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| Certificate Term | Balance Tiers (mininum $1,000) | Dividend Rate | Annual Percentage Yield |
| 60 months | $1,000 - $9,999 | 2.276% | 2.300% |
| $10,000 - $49,999 | 2.472% | 2.500% | |
| $50,000 - $99,999 | 2.570% | 2.600% | |
| $100,000 and over | 2.667% | 2.700% | |
| 48 months | $1,000 - $9,999 | 1.785% | 1.800% |
| $10,000 - $49,999 | 1.982% | 2.000% | |
| $50,000 - $99,999 | 2.080% | 2.100% | |
| $100,000 and over | 2.178% | 2.200% | |
| 36 months | $1,000 - $9,999 | 1.292% | 1.300% |
| $10,000 - $49,999 | 1.490% | 1.500% | |
| $50,000 - $99,999 | 1.588% | 1.600% | |
| $100,000 and over | 1.687% | 1.700% | |
| 24 months | $1,000 - $9,999 | 0.797% | 0.800% |
| $10,000 - $49,999 | 0.995% | 1.000% | |
| $50,000 - $99,999 | 1.094% | 1.100% | |
| $100,000 and over | 1.193% | 1.200% | |
| 18 months | $1,000 - $9,999 | - | - |
| $10,000 - $49,999 | - | - | |
| $50,000 - $99,999 | - | - | |
| $100,000 and over | - | - | |
| 12 months | $1,000 - $9,999 | 0.549% | 0.550% |
| $10,000 - $49,999 | 0.747% | 0.750% | |
| $50,000 - $99,999 | 0.847% | 0.850% | |
| $100,000 and over | 0.946% | 0.950% | |
| 6 months | $1,000 - $9,999 | 0.399% | 0.400% |
| $10,000 - $49,999 | 0.598% | 0.600% | |
| $50,000 - $99,999 | 0.698% | 0.700% | |
| $100,000 and over | 0.797% | 0.800% |
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| New and Used Automobiles, Motorcycles, Boats and Recreational Vehicles. Dealership and private party sales, lease buyouts and refinances of loans from other lenders are welcome. Rates listed below are our best fixed rates on approved credit. Your rate may be higher and a down payment may be required depending on your creditworthiness and other underwriting factors. Not all applicants will qualify for the best rate or 100% financing. All rates are subject to change without notice. 'As Low As' rates are our best fixed rates on approved credit and include a .50% discount for Automatic Payment (unless otherwise indicated). |
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| Auto Loans | Maximum Term* (months) | 100% Financing APR as low as | 80% Financing APR as low as |
| Model Years 2004 - 2009 | 84 | 5.00% | 4.50% |
| Model Years 2003 and older | 60 | 5.50% | 5.50% |
| Motorcycle Loans | Maximum Term* (months) | 90% Financing APR as low as | - |
| Model Years 2004 - 2009 | 84 | 7.45% | - |
| Model Years 2003 and older | 60 | 7.95% | - |
| Boat Loans | Maximum Term* (months) | 90% Financing APR as low as | - |
| Model Years 2004 - 2009 | 84 | 8.45% | - |
| Model Years 2003 and older | 60 | 8.95% | - |
| Recreational Vehicle (RV) Loans | Maximum Term* (months) | 90% Financing APR as low as | - |
| Model Years 2004 - 2009 | 84 | 8.45% | - |
| Model Years 2003 and older | 60 | 8.95% | - |
| Personal Loans | Maximum Term (months) | APR as low as | Amount |
| Overdraft Protection Line of Credit | Revolving | 7.90% | Choose $1,000 or $3,000 LOC |
| Personal / Signature | 60 | 9.90% | Up to $15,000 |
| Share Certificate-Secured | Maximum up to Certificate Term | Certificate Rate +3.00% | Up to 90% of Certificate Balance |
| Share-Secured – Fixed Rate 24 | 24 | 4.50% | Up to 100% of Share Balance |
| Share-Secured – Fixed Rate 48 | 48 | 5.00% | Up to 100% of Share Balance |
| Share-Secured – Fixed Rate 72** | 72 | 6.00% | Up to 100% of Share Balance |
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First time car buyer program available - call 1.800.826.6946 for details! 'As Low As' rates are our best fixed rates on approved credit and include a .50% discount for Automatic Payment (unless otherwise indicated). 100% financing not to exceed the lesser of purchase price or book value, plus destination charges, tax and license, extended warranty and guaranteed auto protection (GAP) coverage. Book value is 100% Peck's Black Book if 'new', 100% Retail Kelly Blue Book if 'used'. We are unable to finance salvaged titles. * Terms on newer model years to 84 months on loan amounts over $40,000, otherwise, 72 months. Terms on older model years to 60 months on loan amounts over $20,000, otherwise 48 months. ** 72 month term available only on loan amounts of $10,000 or more. |
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| General Services | |
| One-time Membership Fee | $5.00 |
| Money Orders (each) | $2.00 |
| Cashier's Check (each) | $5.00 |
| Stop Payment on Cashier's Checks, Official Checks and Money Orders (each) | $20.00 |
| American Express Gift Cheques (per check) | $2.50 |
| Dishonored / Returned Deposit Item (each item) | $20.00 |
| Incoming Wire Transfer | FREE |
| Outgoing Wire Transfer | $20.00 |
| Savings Overdraft (each occurrence) | $20.00 |
| Collection Item - Foreign or Domestic | At cost plus $20.00 |
| ACH and Direct Deposit | FREE |
| Account Abuse/Closure Fee | $25.00 |
| Dormant Account Fee (per month) | $5.00 |
| Account Escheat Fee | $2.00 |
| Bad Address Fee (per month) - applies 90 days after receipt of first notice of undeliverable or bad address from post office | $2.00 |
| American Express Travelers Cheques | FREE |
| American Express Travelers Cheques for Two | 1% of sale |
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| Checking Accounts | |
| Performance Checking (per month) | $10.00 |
| NSF Item Paid - Coutesy Pay (each item) | $20.00 |
| NSF Item Returned Unpaid (each item) | $25.00 |
| Check Printing | At cost |
| Stop Payment on Draft or ACH Debit In Person or Over Phone (per item or range of items) | $20.00 |
| Temporary Checks | $0.50 each 4 check minimum |
| Money Market Savings Accounts | |
| Check Printing - One 25-Check Pac Every 6 Months | FREE |
| Low Balance Fee (per month) | $10.00 |
| Excessive Transaction Fee (per item) | $10.00 |
| NSF Draft Paid or Returned Unpaid and Stop Payment on Draft or ACH Debit - see Share Draft Checking Accounts | |
| Traditional and ROTH IRA Share & Certificate Accounts | |
| Annual Fee | NO ANNUAL FEE |
| Withdrawal Fee (each) | $10.00 |
| Account Transfer Fee | $20.00 |
| Account Research and Copies | |
| Statement/Document Copies (per page) | $1.00 |
| Account Activity Printout (per page) | $1.00 |
| Account Reconcilement Assistance - per hour (one hour minimum) | $25.00 |
| Copy of Deposited Item (front and back) | $5.00 |
| Copy of Cleared Check (per check) - two free per month | $5.00 |
| Writ, Levy or Subpoena - per hour (one hour minimum) | $25.00 |
| Copy of Visa Debit or Credit Salesdraft (per item) | $10.00 |
