Rates & Fees
Rates
Last Updated 04/10/2019
| Fair Issac Score | | |
|---|
| A+ | > 730 |
|
| A | 680 – 729 |
|
| B | 640 – 679 | +1 |
| C | 600 – 639 | +2 |
D
| 550 – 599 | +3 |
E
| 549 or less | +4 |
| Signature Loans up to $10,000 | |
|---|
| Up to 60 mos. | 10.75% – 14.75% (over $8000 only) |
| Up to 48 mos. | 9.75% – 13.75% |
| Up to 36 mos. | 8.75% – 12.75% |
| Up to 24 mos. | 7.75% – 11.75% |
Up to 12 mos.
| 5.99% – 9.99% |
| Share Secured | |
|---|
| Up to 60 mos. | 3.50% above current rate |
| Up to 36 mos. | 2.00% above current rate |
| New & Used Vehicles 2019, 2018, 2017 | |
|---|
| Up to 36 mos. | 2.99% – 6.99% |
| Up to 48 mos. | 3.49% – 7.49% (4.75% refinance) |
| Up to 60 mos. | 3.74% – 7.74% (4.99% refinance) |
| Up to 72 mos. | 3.99% – 7.99% |
| Up to 84 mos. | 4.50% – 8.50% |
| Used Vehicles 2016, 2015, 2014 | |
|---|
| Up to 36 mos. | 3.99% – 7.99% |
| Up to 48 mos. | 4.24% – 8.24% |
| Up to 60 mos. | 5.24% – 9.24% |
| Used Vehicles | | |
|---|
| 2012, 2013 | Up to 48 mos. | 5.24% – 9.24% |
|---|
| 2011 | Up to 48 mos. | 6.25% – 10.25% |
|---|
| 2010 or older | Up to 36 mos. | 6.75% – 10.75% |
|---|
New & Used Recreational Vehicles New & Used UCC Property | |
|---|
| Up to 36 mos. | 4.75% – 8.75% |
| Up to 48 mos. | 5.25% – 9.25% |
| Up to 60 mos. | 5.50% – 9.50% |
| Up to 72 mos. | 5.50% – 9.50% |
| CD Rates | |
|---|
| 12 mos. | 1.25% APY |
| 24 mos. | 1.75% APY |
| Shares | Christmas and Vacation Shares |
|---|
| .25% APY | .15% APY |
Rates are subject to change. Please contact the credit union for current rates. Last update: May 10, 2018.
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%.
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New Fee Schedule
Effective February 8,2019
Fees
|
|
|---|
| NSF Fee (Draft item) | $25.00 per |
|---|
| NSF Fee (ACH item) | $25.00 per |
|---|
| Returned Item Fee | $15.00 per item |
|---|
| Stop Payment Fee | $25.00 per item |
|---|
| Draft Photocopy Request Fee | $2.50 per copy |
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| Dormant Account Fee | $50.00 after 3 years |
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| Bad Address Fee | $5.00 per returned item |
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| Mailed statement | $1.00 per statement mailed |
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| Debit Card Replacement Fee | $20.00 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
|
|---|
Checking cashing fee for non-members
(with proper ID, on our members' accts. only) Auto Redemption Fee | $10.00 per item $100.00 |
|---|