Savings

• Share Accounts
• Share Draft Accounts
• Holiday Club Accounts
• Vacation Club Accounts
• Education Club Accounts

Fees

Loans

• New Vehicle Loans
• Used Vehicle Loans
• Home Equity Loan
• Share Secured Loan
• Unsecured Loans

SAVINGS RATES 

The dividend rate and APY may change at any time as determined by the Credit Union Board of Directors.

Set Quarterly  

During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to third party. If you exceed the transfer limitations set forth above in any statement period, a fee of $5 will charged for each excess transaction.

There are no limitations to the number of transactions in any statement period.

The dividend period is the same as the club period. For example, Nov. 1st to Oct. 31. If a withdrawal is made before Oct. 31 the account will be closed. If you close your account, you will not receive accrued dividends.

Share/IRA Certificates:
Compounding and crediting. Dividends will be compounded quarterly and will be credited quarterly.

Types of Vehicles:

• Cost of vehicle
• Name and address of Purchaser
• Year, make and model of vehicle
• Vehicle Identification Number
• Credit Union SOLE LIENHOLDER for term of loan
• Proof of Insurance in Borrower's name
• Proof of comprehensive automobile insurance, including collision with a maximum deductible of $500

Annual Percentage Rate (APR) (BASE):

The APR is a staggered rate depending on the financing of the loan.

• Cost of vehicle
• Name and address of Purchaser/Seller
• Year, make and model of vehicle
• Vehicle Identification Number
• Proof of clear title
• Credit Union SOLE LIENHOLDER for term of loan
• Proof of Insurance in Borrower's name
• Proof of comprehensive automobile insurance, including collision with a maximum deductible of $500

A penalty equal to five percent (5%) of the entire loan payment due or $20.00, whichever is greater, will be charged on all loan payments that are more than ten (10) days past due.

Consolidate your debts, make that needed repair to your home or pay for college tuition with a low rate Home Equity Loan.

While interest deductions for personal loans have been eliminated, interest on home equity loans may still be deductible on your itemized tax return. Consult a tax advisor regarding the deductibility of interest.

We will make Home Equity Loans available to you with either fixed or variable rates.

Fixed rate: 6.5%

Variable rate = Indexed to prime rate published in Wall Street Journal

SHARE SECURED LOAN

Wire Transfers

Checking Accounts

ATM Transactions*

$1.00

your share / share draft account(s).