Rates And Fees
Loans and Savings Rates
Savings Rates
Effective date: As of Feb 1, 2017
| Savings Rates - Effective Friday, July 7, 2017 | ||||
|---|---|---|---|---|
| Account Type | APY | Minimum Deposit | Minimum Balance | |
| REGULAR SHARES | 0.050% | $5.00 | $500.00 | |
| HIGH YIELD SHARES | 0.500% | $2,500.00 | $2,500.00 | |
| CHRISTMAS CLUB | 0.150% | $1.00 | $0.00 | |
| VACATION CLUB | 0.050% | $0.00 | $0.00 | |
| IRA SHARES | 0.100% | $0.00 | $0.00 | |
| ROTH IRA SHARE | 0.100% | $0.00 | $0.00 | |
| CHECKING | 0.000% | $0.00 | $0.00 | |
| YOUTH SAVINGS ACCT | 0.050% | $0.00 | $0.00 | |
Fees may reduce earnings. Rate may change after the account is opened.
Loan Rates
Effective date: As of Feb 1, 2017
| Loan Rates - Effective Thursday, September 21, 2017 | ||
|---|---|---|
| Loan Type | Rates as low as - Stated in APR | Terms/Information |
| New Vehicle | 2.740% | Check out our low rates!! |
| Used Vehicle | 2.890% | Older vehicles, Motorcycle |
| Visa Card | 8.490% | as low as 8.49% - No Annual Fee |
| Revolving Loan | 12.950% | Pay only $20 for every $1,000.00 you borrow! |
| Signature Loan | 9.000% | Watch for Signature Loan Specials. |
Your Actual APR (Annual Percentage Rate) will be based upon your individual credit worthiness, loan amount, term of loan and applicable prepaid items.
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Certificate Rates
Effective date: As of Feb 1, 2017
| Certificate Rates - Effective Thursday, September 21, 2017 | |||
|---|---|---|---|
| Certificate Term | APY | Minimum Deposit | |
| 6 MONTH GOLDEN ACCT | 0.550% | $500.00 | |
| 12 MONTH GOLDEN ACCT | 0.710% | $500.00 | |
| 36 MO GOLDEN CD | 1.420% | $500.00 | |
| 48 MO GOLDEN CD | 1.720% | $500.00 | |
| 60 MO GOLDEN CD | 2.010% | $500.00 | |
Penalty for early withdrawals.
Fee Schedule
| Service | Fee | Notes |
|---|---|---|
| Statement Copies (Statement History) | $2.00 | |
| Corporate Draft | $3.00 | |
| Account Research | $15.00 | Per Hour |
| Money Orders | $1.00 | Per Item |
| Wire Transfer (Domestic) | $20.00 | |
| Dormant Fee | $5.00 | Per Month Assessed after one year with no activity. |
| Change of Address | $2.00 | Returned from Post Office |
| Automatic Check (CFT) | $1.00 | |
| Service | Fee | Notes |
|---|---|---|
| Automatic Transfer Fee | $5.00 | Per Notice |
| NSF Returns | $30.00 | Per Item |
| Courtesy Pay Fee | $30.00 | Per Item |
| Returned Outside Check Fee | $15.00 | Per Item |
| Stop Payments | $15.00 | Per Item |
| Blanket Stop Payments | $25.00 | Per Series |
| Stop Payments on Corporate Checks and Money Orders | $30.00 | Per Item |
| Check Copy | $2.00 | Per Check |
| Corporate Check Copy and Money Order Copy | $5.00 | Per Item |
| Reconciliation Fee | $15.00 | Per Hour |
| Statement Copies (Transaction History) | $2.00 | One Free / Month |
| Statement Copies (Microfiche Statement) | $2.00 | Per Page |
| Starter Checks | $2.00 | Per Page |
| Business Checking Monthly Account Fee | $10.00 | |
| Check Processing Fee | $5.00 | Per Check Waiver for:
|
| Service | Fee | Notes |
|---|---|---|
| Deposits | $1.00 | 5 day hold on Deposits |
| Point of Sale | $1.00 | First 5 Point of Sale Transactions, per month, are Free |
| NSF Fee | $30.00 | |
Card Replacement
|
| |
| Transfers | $1.00 | |
| Withdrawals | $1.00 | |
| Inquiries | $1.00 | |
| Incomplete ATM Transactions | $0.50 | Per Time |