Fees and Rates
Account Fees
Credit Union Membership
- Share: $10 par value
Share Savings Account Fees
- Minimum Balance: $25
- Excessive Withdrawal Fee: $1.00 per item after three (3) withdrawals per month.
Share Drafts (Checking Accounts)
- NSF or Overdraft Fee $25.00 per item.
- Stop Payment Fee $15.00 per item.
- Monthly Maintenance Fee $8.00 per month. (waived with direct deposit)
- Check Copy $ 1.00 per item (2 free per statement cycle)
- Statement Copy $ 2.00
- Check Printing Fee Prices vary depending upon style.
Other Fees
- Returned Deposited Item $10.00 per item
- ATM Deposit Adjustment $10.00
- Returned Foreign Check $20.00 per item
- Debit Card Replacement $5.00 (Limit 2, then $25.00)
- Debit Card Rush Order $45.00
- Credit Union Checks $2.00 each
- Dormant Account Fee $5.00 monthly
- Domestic & International Wires $40.00 each
- Incoming Wire Fee $10.00 each
- Loan Processing Fee $25.00
- Business Checking Set-up $50.00
- Business Account monthly fee $10.00
- Business Loan Processing Fee $50.00
Savings Account Rates
- $100 to $24,999 0.05% APY*
- $25,000 to $49,999 0.10% APY*
- $50,000 and over 0.15% APY*
*APY = Annual Percentage Yield
Loan Rates
Share Secured Loan
Term: Balance in account less than $25
APR*: 3.5%
*APR=Annual Percentage Rate
Unsecured Loan
Term: up to 48 months
APR*: 10.5%
With Autopay: 10.25
*APR=Annual Percentage Rate
New Autos
Term: New Loan up to 60 months
APR*: 4.74%
Term: New Loan with Automatic Payments
APR*: 4.49%
*APR=Annual Percentage Rate
Used Autos
Term: New Loan up to 60 months
APR*: 5.74%
Term: New Loan with Automatic Payments
APR*: 5.49%
*APR=Annual Percentage Rate
Please note: On older model cars financing may only be offered up to 48 months
Church Loan
Term: up to 48 months
APR*: up to 8%
*APR=Annual Percentage Rate
Small Business Loan
Term: up to 60 months
APR*: 8.00%
*APR=Annual Percentage Rate


****For members who have direct deposit and With Automatic Payments a .25% interest rate loan discount will apply****
ABOVE RATES ARE BASED ON GOOD CREDIT. RATES MAY BE ADJUSTED UP TO 7% FOR SUBSTANDARD CREDIT