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Rates

  • Loan Rates

    Loan Rates

    • Rates Effective as of: 10-25-2021

      Auto

      *Loan Types Up to 36 months 37-60 months 61-72 months 73-84 months
      New and Used Vehicles (3 years or less) ** APR 1.99-11.99% 2.49-11.99% 2.75-12.75% 3.25-15.25%
      Used Vehicles (4 - 5 years old) ** APR 2.49-14.99% 2.99-14.99% 3.50-16.25% 5.25-10.25%
      Used Vehicles (6 years and older) ** APR 5.50-16.75% 5.75-17.25% 6.50-11.25% -

      *Rates and terms subject to change without notice. Ask a loan officer for information & criteria on categories.

      **APR is the annual percentage rate.

    • Rates Effective as of: 10-25-2021

      Personal

      *Loan TypesUp to 36 months 37-60 months 61-72 months
      Personal ** APR 9.99-17.00% 10.75-18.00% 11.99%
      Motorcycles, Motor Homes, Campers, Four Wheelers, Boats, Utility Trailers and Farm Equipment** APR 9.99-17.00% 10.75-18.00% 11.99%
      SHARE SAVINGS & SHARE CERTIFICATE SECURED LOANS
      Plan Ahead Loan 6.00%
      Share Secured *** Current Share Rate + 3.00%
      Share Certificate Secured Certificate Rate + 3.00%Borrow up to 95% of Certificate Balance

      *Rates and terms subject to change without notice. Ask a loan officer for information & criteria on categories.

      **APR is the annual percentage rate.

      ***Current Share Rate is based upon the Current Primary Savings Account (without e-Statements) rate.

       

  • Dividend Rates & Service Charges

    Dividend Rates & Service Charges

    • Rates Effective as of: 10-25-2021

      Savings Account Rates

      CurrentDividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance Avoid Service Charge Dividends Compounded & Credited Dividend Period
      IRA Account 0.40% 0.40%MonthlyMonthly
      Primary Share Savings Account (with e-statements)0.05% 0.05% $5 $500MonthlyMonthly
      Primary Share Savings Account (without e-statements)0.01% 0.01%
      Departmental Savings Account 0.05%0.05%$500MonthlyMonthly
      Kids Savings Account 0.05% 0.05% $5 $25MonthlyMonthly
      Secondary Share Savings Account 0.05% 0.05% $500 MonthlyMonthly
      Holiday Club Account 0.05%0.05%MonthlyMonthly
      Vacation Club Account0.05%0.05%MonthlyMonthly
    • Rates Effective as of: 10-25-2021

      Checking Account Rates

      Current Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance Avoid Service Charge Dividends Compounded & Credited Dividend Period
      Premier Checking Account $500 - $10,000.00 *3.00% 3.04% $500 $500 $500 MonthlyMonthly
      Premier Checking Account $10,000.01 and up *0.10% 0 .10% $500 $500 $500 Monthly Monthly

      * On balances up to $10,000.00, 0.10% on amounts over $10,000.00

    • Rates Effective as of: 10-25-2021

      Money Market Account Rates

      Current Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance Avoid Service Charge Dividends Compounded & Credited Dividend Period
      Money Market Account (with e-statements)0.40% 0.40% $2,500 $2,500 $2,500 Monthly Monthly
      Money Market Account (without e-statements)0.10%0.10%
    • Rates Effective as of: 10-25-2021

      Share Certificate $1000 – $49,999

      Current Dividend Rate Annual Percentage YieldMinimum Opening Balance Minimum Balance to Earn APY Minimum Balance Avoid Service Charge Dividends Compounded & Credited Dividend Period
      6 mos0.15%0.15% $1,000$1,000MonthlyMonthly
      1 year 0.25%0.25%
      2 years 0.40% 0.40%
      3 years 0.55% 0.55%
      *4 years 0.70% 0.70%
      *5 years 0.70% 0.70%

      Dividends Compounded Monthly.
      No Matching Competitor's SC Rates.
      *To qualify member must have a Premier Checking Account.

      Rates Effective as of: 10-25-2021

      Share Certificate $50,000 – $99,999

      Current Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance Avoid Service ChargeDividends Compounded & CreditedDividend Period
      6 mos0.25% 0.25% $50,000 MonthlyMonthly
      1 year 0.35% 0.35%
      2 years 0.55% 0.55%
      3 years 0.65% 0.65%
      *4 years 0.80% 0.80%
      *5 years 0.80% 0.80%

      Dividends Compounded Monthly.
      No Matching Competitor's SC Rates.
      *To qualify member must have a Premier Checking Account.

      Rates Effective as of: 10-25-2021

      Share Certificate $100,000 and over

      Current Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance Avoid Service Charge Dividends Compounded & Credited Dividend Period
      6 mos. 0.40% 0.40% $100,000 $100,000 MonthlyMonthly
      1 year 0.60% 0.60%
      2 years 0.75% 0.75%
      3 years 0.85% 0.85%
      *4 years 0.95% 0.95%
      *5 years 0.95% 0.95%

      Dividends Compounded Monthly.
      No Matching Competitor's SC Rates.
      *To qualify member must have a Premier Checking Account.

    • Rates Effective as of: 10-25-2021

      Service Charges

      General Membership Operations
      Outgoing Domestic Wire$20.00
      Outgoing International Wire $60.00
      Money Order $3.00
      Official Check (Payable to other than member) $5.00
      Holiday Club Account Withdrawal $10.00
      Vacation Club Account Withdrawal (Per withdrawal in excess of 2 per year) $10.00
      Excessive "Cash" Withdrawal from Share Savings (Per withdrawal in excess of 5 per quarter) $5.00
      Excessive Withdrawal from Share Savings (Per withdrawal in excess of 6 per month) $5.00
      Excessive Withdrawal from Money Market (Per withdrawal in excess of 4 per month) $3.00
      Miscellaneous Verification $15.00
      Returned Mail / Invalid Contact Information $10.00
      Close Share Account (Within 60 days) $5.00
      Reopen Share Account (Within 30 days) $15.00
      Account Processing (Change account number). $30.00
      Check Cashing (No charge with sufficient share balance and account in good-standing) $5.00
      Non-Member Check Cashing$10.00
      Return Deposit Item $35.00
      Fax / Copy Service (Per page)
      Copies $0.25
      Fax $1.00
      Fax (Out of State) $2.00
      Account Research (Per hour) $30.00
      Dormant (Inactive) Account. $15.00
      Coin Counter
      Member 5.99%
      Non-Member 7.99%
      Affidavit Processing/Garnishment/Levy Processing $75.00
      Escheat $50.00
      Lien Release $10.00
      VISA Gift Card $4.00
      VISA Reloadable Card $6.00
      Non-Member Reload Cost $2.00
      VISA Reloadable Card with EMV Chip
      With E-Statements $6.50
      Without E-Statements $7.50
      Non-Member Reload Cost $2.00
      Mastercard Debit Card
      Instant Issue$10.00
      Express Delivery$20.00
      International Transaction Fee (This fee applies to any debit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country, even if transaction is initiated from the United States.) 1% of transaction amount
      Notary Fee
      Non-Member Notary Fee $5.00
      Share Draft Checking and Money Market
      Non-Sufficient Funds Item (NSF) An NSF charge is imposed each time an item is presented against insufficient funds. The payee (or the payee's institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate charge. $35.00
      Overdraft Privilege Item $30.00
      Overdraft Transfer (Increments of $50.00) $2.75
      Stop Payment Check ((Official & Personal) must be signed within 24 hours) $35.00
      Stop Payment Draft/ACH $35.00
      Statement Reconciliation (Per hour) $30.00
      Statement Copy / Account History (Per month) (No charge if pulled by member from website) $5.00
      Counter Checks (Per page) $2.00
      Service Charge
      Traditional checking (Below minimum balance) $8.00
      Premier checking (Below minimum balance) $12.00
      Aspire checking (Monthly) $8.00
      Money Market (Below minimum balance) $10.00
      Check Copies $2.50
      ATM Services
      Foreign ATM Withdrawal $3.00
      Card and Pin Replacement $10.00
      Pin Replacement $5.00
      Safe Deposit Box
      Annual Rental:
      2x5 (Jackson Office only) $22.00
      3x5 $27.00
      5x5 (Jackson Office only) $32.00
      3x10 (Jackson Office only) $37.00
      5x10 $47.00
      10x10 $67.00
      Key Replacement (per key plus repair) $30.00
    • Our Rates & Service Charges explain current terms, rates and service charges applicable to the savings, checking and share certificate accounts we offer. We may offer other rates and require other service charges or amend the rates and service charges, as explained in this disclosure. Each owner on an account agrees to the terms described in this disclosure and acknowledges that it is a part of the Member Service Agreement (MSA).

      As explained in the MSA, Our Rates & Service Charges disclosure applies to all the accounts we offer. Except as specifically described, the following terms apply to all of the accounts you have with us.

      1. Rate Information

      The Dividend Rate and Annual Percentage Yield on the accounts you have with us are identified above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Board of Directors. Premier Checking Accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is with that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. The Dividend Rates and Annual Percentage Yields are the prospective rates as of the effective date shown above. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate Accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

      2. Nature of Dividends

      Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield identified above are the rates and yields for the last dividend period, as shown above.

      3. Compounding and Crediting

      Dividends will be compounded and credited as identified above. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

      4. Accrual of Dividends

      Dividends will begin to accrue on noncash deposits (e.g., checks) on the business day you make the deposit to an account you have with us. If you terminate the account before accrued dividends are credited, accrued dividends will not be paid.

      5. Balance Information

      The minimum balance required to start each account and earn the stated Annual Percentage Yield is identified above. If you do not maintain the minimum balance, you will not earn the stated Annual Percentage Yield. For all accounts, dividends are calculated using the Average Daily Balance method, in which dividends are calculated by applying a periodic rate to the Average Daily Balance in the account for the dividend period. The Average Daily Balance is determined by adding the full amount of principal in the account for each day of the period, and dividing that figure by the number of days in the period.

      6. Account Limitations

      You may not make more than five (5) cash withdrawals from a Share Savings account per quarter. For all savings accounts, you may not make more than six (6) covered transactions per month. For all money market accounts, you may not make more than four (4) covered transactions per month. Covered transactions include your checks, transfers, initiated through online banking or mobile banking, ACH transfers, merchant point of sale transactions, preauthorized or automatic transfers, and overdraft protection transfers. Transfers to pay a loan with us are not covered by this limit. The date we use to determine the number of transactions is the date a transaction is posted to (actually credited to or debited from) an account, rather than the date you initiate the transaction. If you exceed this limit, we may refuse or reverse the transaction, and we may impose a charge as specified in the listing of service charges provided above.  If you repeatedly exceed this limit, we may terminate the account. For a Holiday Club account, the entire balance will be transferred to another account with us on or after October 1 and the account will remain open. If any withdrawal is made from this account before the end of the club term, you will pay a service charge as shown in our service charge schedule. You may make transfers or withdrawals in the first (7) days the account is open without restriction. Vacation Club accounts are limited to two (2) withdrawals per year. For Escrow Club Accounts, withdrawals are allowed only for payment of property taxes, insurance, HOA dues, lease hold property, and escrow overages.

      7. Certificate Account Features

      a. Account Limitations

      After you start the account, you may not make additional deposits to a Certificate Account.

      b. Maturity

      The Certificate Account you have with us will mature on the maturity date identified on your Account Receipt or Renewal Notice.

      c. Early Withdrawal Penalty

      We may impose a penalty if you withdraw any of the principal of the Certificate Account before the maturity date.
      1) Amount of Penalty. The amount of the penalty depends on the term of the certificate. For certificates with terms of 6 months or less, the penalty equals 90 days dividends on the amount with- drawn. For certificates with terms of more than six months, the penalty equals 180 days dividends on the amount withdrawn.

      2) How the Penalty Works. The penalty is calculated as a forfeiture of dividends that have been or would be earned on the amount withdrawn. If earned dividends are insufficient to pay the penalty, or have previously been withdrawn, the penalty will be deducted from the principal balance.

      3) Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: when an owner on an account dies or is determined legally incompetent by a court or other body of competent jurisdiction. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment or where the account is an IRA and the owner attains age 591⁄2 or becomes disabled and begins making periodic withdrawals.

      d. Renewal Policy

      Certificate Accounts are automatically renewable accounts. Automatically renewable accounts will renew for another term upon maturity. You have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.

      e. Nontransferable/Nonnegotiable

      The account(s) you have with us is/are nontransferable and nonnegotiable. This means that an account and the funds in the account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union. In other words, you cannot use the funds in any account you have with us to secure any loan or other obligation at another financial institution or organization. These funds can only be used to secure obligations with us.

  • Business Account Rates

    Business Account Rates

    • Rates Effective as of: 10-25-2021

      Business Checking Account Rates

      Current Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance Avoid Service Charge Dividends Compounded & Credited Dividend Period
      Free Business Checking Account 0.10% 0.10% $100$500 $ 0 MonthlyMonthly
      Business Premier Checking Account *2.50% 2.51% $2,500 $2,500 $0 MonthlyMonthly

      Business Premier Checking Account requirements:
      * 2.50% interest up to $25,000, 0.15% interest on $ amount over $25,000.
      • Minimum to open account $2,500.
      • Minimum for interest $2,500.
      • 15 debit card transactions per month, if less than 15, interest rate drops to 0.15%.
      • e-Statements required.

    • Rates Effective as of: 10-25-2021

      Business Savings Account Rates

      CurrentDividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance Avoid Service Charge Dividends Compounded & Credited Dividend Period
      Primary Savings Account (with e-statements)0.10% 0.10% $5 $500MonthlyMonthly
      Primary Savings Account (without e-statements)0.05% 0.05%
    • Rates Effective as of: 10-25-2021

      Business Money Market Account Rates

      Current Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance Avoid Service Charge Dividends Compounded & Credited Dividend Period
      Money Market Account (with e-statements)0.40% 0.40% $2,500 $2,500 $2,500 Monthly Monthly
      Money Market Account (without e-statements)0.10%0.10%
    • Rates Effective as of: 10-25-2021

      Business Share Certificate $1000 – $49,999

      Current Dividend Rate Annual Percentage YieldMinimum Opening Balance Minimum Balance to Earn APY Minimum Balance Avoid Service Charge Dividends Compounded & Credited Dividend Period
      6 mos0.35% 0.35% $1,000$1,000MonthlyMonthly
      1 year 0.60%0.60%
      2 years 0.85% 0.85%
      3 years 1.10% 1.11%
      *4 years 1.35% 1.36%
      *5 years 1.60% 1.61%

      Dividends Compounded Monthly.
      No Matching Competitor's SC Rates.
      *To qualify member must have a Business Premier Checking Account.