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Rates & Fees

   Loans

      Auto

      Mortgage

      Home Equity

      Credit Cards

      Signature & Personal

      Motorcycle

      RV

   Savings

      Savings, Checking & IRA

      Certificate

      Money Market

   Fees

      General  Fees

Auto Loans

TypeTermAnnual Percentage Rate*Notes
  • APR determined when application is processed, based on applicant's credit history.

For example you could pay as little as $332 per month for a financed amount of $20,000.

  • On approved credit: 2.59% Annual Percentage Rate for 65 months. APR effective 4/22/14; subject to change. Even lower rates are available for 36-month and 48-month terms.

 

Home Equity Loans

TypeTermAnnual Percentage Rate*Notes

* Rates for variable rate loans are subject to change after the loan has been initiated.
** Appraisal and associated fee is required for home equity loans/lines $25,000 and above.
  • With our Home Equity Line of Credit, you can start repaying a $20,000 loan with an initial monthly payment as low as $100.
  • Payment amount is based on 5.00% interest-only payments; interest only payments are for a limited term only. Based on approved credit. Effective 4/1/14 for a 20 year term. A Financial Consultant can give you the exact payment for the loan you need. Depending on your credit score, your rates maybe higher. Rate subject to change.
  • Please ask your tax advisor about potential deductibility of interest payments on your federal tax returns.

 

Credit Cards

TypeAnnual Percentage RateNotes

 

Signature & Personal Loans

TypeTermAnnual Percentage Rate*Notes
  • APR determined when application is processed, based on applicant's credit history.

 

Motorcycle Loans

TypeTermAnnual Percentage Rate*Notes
  • APR determined when application is processed, based on applicant's credit history.

 

RV Loans

TypeTermAnnual Percentage Rate*Notes
  • APR determined when application is processed, based on applicant's credit history.

 

Savings, Checking & IRA Accounts

TypeMinimum Balance RequiredDividend RateAnnual 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.
Checking/Share Draft Accounts
Dividend Checking - Fee of $5.00 if the account falls below an average relationship balance of $2,500.
Essential Personal Checking - Fee of $5.00 if the account doesn't have a combination of ONE of the following:
   – $250 Average relationship balance
– Enrolled in the eStatements program
breeze Reloadable Debit Card - Fee of $5.00 if the primary member is under 21 years of age.

 

Certificate (IRA & Regular)

TypeTermMinimum Balance RequiredDividend RateAnnual 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.

 

Money Market Account

Minimum Balance RequiredDividend RateAnnual 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

General Fees


Funds Transfer Fees

Popmoney Fees

Wire Fees

Automated Teller Machines

Shared Branches

*Fees are subject to change.

 

  • With our Home Equity Line of Credit, you can start repaying a $20,000 loan with an initial monthly payment as low as $100.
  • Payment amount is based on 5.00% interest-only payments; interest only payments are for a limited term only. Based on approved credit. Effective 4/1/14 for a 20 year term. A Financial Consultant can give you the exact payment for the loan you need. Depending on your credit score, your rates maybe higher. Rate subject to change.
  • Please ask your tax advisor about potential deductibility of interest payments on your federal tax returns.

 

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You can become a member anytime day or night by filling out our quick and easy online application.

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