Rates & Fees

Rates

Last Updated  03/08/2017

Fair Issac Score
A+> 730
A680 – 729
B640 – 679+1
C600 – 639+2
D
550 – 599+3
E
549 or less+4
Signature Loans up to $10,000
Up to 60 mos.9.75% – 13.75% (over $8000 only)
Up to 48 mos.8.75% – 12.75%
Up to 36 mos.7.75% – 11.75%
Up to 24 mos.6.75% – 10.75%
Up to 12 mos.
4.99% – 8.99%
Share Secured
Up to 60 mos.3.50% above current rate
Up to 36 mos.2.00% above current rate
Auto Loan Rates
New & Used Vehicles 2017, 2016, 2015
Up to 36 mos.1.99% – 5.99%
Up to 48 mos.2.49% – 6.49% (3.75% refinance)
Up to 60 mos.2.75% – 6.75% (4.25% refinance)
Up to 72 mos.3.49% – 7.49%
Up to 84 mos.4.00% – 8.00%
Used Vehicles 2014, 2013, 2012
Up to 36 mos.3.25% – 7.25%
Up to 48 mos.3.50% – 7.50%
Up to 60 mos.4.50% – 8.50%
Used Vehicles
2011, 2010Up to 48 mos.4.50% – 8.50%
2009Up to 48 mos.5.50% – 9.50%
2008 or olderUp to 36 mos.6.50% – 10.50%
New & Used Recreational Vehicles
Up to 36 mos.4.25% – 8.25%
Up to 48 mos.4.75% – 8.75%
Up to 60 mos.4.75% – 8.75%
Up to 72 mos.5.00% – 10.00%
CD Rates
12 mos..50%
SharesChristmas and Vacation Shares
.25%.15%

Rates are subject to change. Please contact the credit union for current rates. Last update: December 14, 2016.

You may qualify for rate discounts. Call the credit union today for details.

Rates are expressed as annual percentage rates and are subject to change without prior notice. These rates are valid for credit worthy members with a Fair Isaac Score of 680 or higher. (Range 100 to 1000.) Credit worthy members with lower scores will qualify for higher rates. (640-679=+1%), (500-639++2%), (550-599=+3%), (549 OR LESS=+4%). Members with no Fair Isaac Score due to insufficient data =+2%.

Ready to apply?

New Fee Schedule

Effective May 10, 2017

Fees

NSF Fee (Draft item)$20.00 per
NSF Fee (ACH item)$20.00 per
Returned Item Fee$10.00 per item
Stop Payment Fee$20.00 per item
Draft Photocopy Request Fee$1.50 per copy
Dormant Account Fee$25.00 after 3 years
Bad Address Fee$5.00 per returned item
Mailed statement$1.00 per statement mailed
Debit Card Replacement Fee$10.00 per debit card
Rush Debit Card Replacement Fee$40.00 per debit card
Counter checks/Mid-Atlantic checks
*additional checks of either
First two (2) – Free
$0.25 each
Unauthorized ACH$10.00