Community Rewards Program
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Debt Consolidation Loans
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Rates & Fees
Auto Loans - Effective 9/14/09
| Type | Term | Annual Percentage Rate* | Notes |
* APR determined when application is processed, based on applicant's credit history.
Home Equity Loans - Effective 3/2/09
| Type | Term | Annual Percentage Rate* | Notes |
* Rates for variable rate loans are subject to change after the loan has been initiated.
Additional Notes:
There are no closing costs and no annual fees on any of our equity loans. You must carry insurance on the property that secures an equity loan.
Credit Cards - Effective 4/1/08
| Type | Annual Percentage Rate | Notes |
Other Loans - Effective 06/19/06
| Type | Term | Annual Percentage Rate* | Notes |
* APR determined when application is processed, based on applicant's credit history.
Motorcycle Loans - Effective 01/1/09
| Type | Term | Annual Percentage Rate* | Notes |
* APR determined when application is processed, based on applicant's credit history.
RV Loans - Effective 1/1/09
| Type | Term | Annual Percentage Rate* | Notes |
Savings, Checking & IRA Accounts - Effective 10/30/09
| Type | Minimum Balance Required | Dividend Rate | Annual Percentage Yield |
- Rates for variable rate accounts are subject to change after the account has been opened.
- You must maintain the minimum daily balance in your account each day to obtain the disclosed Annual Percentage Yield.
- Fees may reduce the earnings on dividend-earning accounts. Penalties may also be imposed for early withdrawal.
- All minimum balances shown above supersede any disclosed in our "Account Information" brochure.
Certificate (IRA & Regular) - Effective 9/15/09
| Type | Term | Minimum Balance Required | Dividend Rate | Annual Percentage Yield |
- You must maintain the minimum daily balance in your account each day to obtain the disclosed Annual Percentage Yield.
- Fees may reduce the earnings on dividend-earning accounts. Penalties may also be imposed for early withdrawal.
- All minimum balances shown above supersede any disclosed in our "Account Information" brochure.
New Money Market Account - Effective 6/1/09
| Minimum Balance Required | Dividend Rate | Annual Percentage Yield |
Money Market Account - Minimum balance fee of $7.50 if the account falls below an average monthly balance of $2,500.
- Rates for variable rate accounts are subject to change after the account has been opened.
- You must maintain the minimum daily balance in your account each day to obtain the disclosed Annual Percentage Yield.
- Fees may reduce the earnings on dividend-earning accounts. Penalties may also be imposed for early withdrawal.
- All minimum balances shown above supersede any disclosed in our "Account Information" brochure.
Fee Schedule - Effective 6/8/09
| General Fees | |
| Wire Fees | |
| *Note: Recipients of international wire transfers may incur additional fees that are imposed by other financial institutions involved in the transfer. These fees may be deducted from the amount due to the recipient at the time of payment. | |
| Union Vacation Accounts | |
| Checking/Share Draft Accounts | |
| Automated Teller Machines | |
| Shared Branches | |
*Fees are subject to change.
