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Rates

  • Loan Rates

    Loan Rates

    • Rates Effective as of: 11-26-2020

      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 1.99-13.99% 2.49-13.99% 2.75-14.50% 2.99-17.25%
      Used Vehicles (4 - 5 years old) ** APR 2.49-14.99% 2.99-14..99% 3.50-16.25% 4.99-9.99%
      Used Vehicles (6 years and older) ** APR 5.50-16.75% 5.75-17.25% 6.50-11.25% 11.99-13.50%

      *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: 11-26-2020

      Personal

      *Loan TypesUp to 36 months 37-60 months 61-72 months
      Personal ** APR 9.99-18.00% 10.75-18.00% 11.99%
      Motorcycles, Motor Homes, Campers, Four Wheelers, Boats, Utility Trailers and Farm Equipment** APR 7.50-10.99% 7.99-11.75% 8.50-12.99%
      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: 11-26-2020

      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 0.50% 0.50%MonthlyMonthly
      Primary Savings Account (with e-statements)0.10% 0.10% $5 $500MonthlyMonthly
      Primary Savings Account (without e-statements)0.01% 0.01%
      Departmental Savings Account 0.05%0.05%$500MonthlyMonthly
      Kids Savings Account 0.10% 0.10% $5 $25MonthlyMonthly
      Secondary 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: 11-26-2020

      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
      Traditional Checking Account 0.05% 0.05% $250 $500 $250 MonthlyMonthly
      Premier Checking Account *3.00% 3.04% $500 $500 $500 MonthlyMonthly

      * On balances up to $10,000.00, 0.15% on amounts over $10,000.00

    • Rates Effective as of: 11-26-2020

      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)0.50% 0.50% $2,500 $2,500 $2,500 Monthly Monthly
      Money Market Account (without e-statements)0.20%0.20%
    • Rates Effective as of: 11-26-2020

      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 mos0.20% 0.20% $1,000$1,000MonthlyMonthly
      1 year 0.35%0.35%
      2 years 0.50% 0.50%
      3 years 0.65% 0.65%
      *4 years 0.80% 0.80%
      *5 years 1.00% 1.00%

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

      Rates Effective as of: 11-26-2020

      Share Certificate $50,000 – $99,999

      Current Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance Avoid Service ChargeDividends Compounded & CreditedDividend Period
      6 mos0.30% 0.30% $50,000 $50,000 MonthlyMonthly
      1 year 0.45% 0.45%
      2 years 0.65% 0.65%
      3 years 0.75% 0.75%
      *4 years 0.90% 0.90%
      *5 years 1.05% 1.06%

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

      Rates Effective as of: 11-26-2020

      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. 0.50% 0.50% $100,000 $100,000 MonthlyMonthly
      1 year 0.70% 0.70%
      2 years 0.85% 0.85%
      3 years 0.95% 0.95%
      *4 years 1.05% 1.06%
      *5 years 1.25% 1.26%

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

    • Rates Effective as of: 11-26-2020

      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 Cash 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
      Return Deposit Item $10.00
      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 $2.50
      VISA Reloadable Card $4.00
      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
      Share Draft Checking and Money Market
      Non-Sufficient Funds Item $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) $6.00
      Premier checking (Below minimum balance) $10.00
      Aspire checking (Monthly) $6.00
      Money Market (Below minimum balance) $8.95
      Check Copies $2.50
      ATM Services
      Foreign ATM Withdrawal $2.00
      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 de- scribed, 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 ac-counts you have with us are identified above. For all accounts except cer- tificates, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates as of the effective date shown above. For Certificate Ac- counts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate Ac- counts, 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 af- ter 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 calcu- lated by applying a periodic rate to the Average Daily Balance in the account for the dividend period. The Aver-age 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

      For all accounts except checking accounts and money market ac- counts, no more than six (6) preauthorized, automatic or telephone transfers may be made per month from these accounts to another account you have with us or to a third party. If you exceed these limitations, the account may be subject to a service charge or be ter- minated. For a Holiday Club account, the entire balance will be trans- ferred to another account with us on or after October 1 and the ac- count 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 seven (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 ma- turity 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 pen- alty equals 180 days dividends on the amount withdrawn.

      2) How the Penalty Works. The penalty is calculated as a forfei- ture 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. Auto- matically renewable accounts will renew for another term upon ma- turity. 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 nonne- gotiable. 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: 11-26-2020

      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: 11-26-2020

      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)0.15% 0.15% $5 $500MonthlyMonthly
      Primary Savings Account (without e-statements)0.05% 0.05%
    • Rates Effective as of: 11-26-2020

      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)0.60% 0.60% $2,500 $2,500 $2,500 Monthly Monthly
      Money Market Account (without e-statements)0.45%0.45%
    • Rates Effective as of: 11-26-2020

      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.