Rates & Fees

Loan Rates

Loan Rates
Type of Loan Terms APR*
New & Used Vehicles Up to 60 Months As Low As 3.30%
72 Months As Low As 3.99%
84 Months As Low As 5.99%
Boats, RVs, Motorcycles Up to 60 Months As Low As 5.75%
72 Months As Low As 6.75%
84 Months As Low As 7.50%
Share Secured Negotiable 3.00%
Signature Loans Negotiable As Low As 8.90%
VISA Platinum No Annual Fee
& 25 Day Grace Period

*APR = Annual Percentage Rate
**Your Annual Percentage Rate may be higher depending on your Credit Worthiness. Please ask a loan officer for more information.
***Certain restrictions do apply on loan terms.
****There is a $5 Loan Application Fee when applying. Rates are subject to change.

Savings & Checking Rates
As of January 1, 2019

Account Type APR
(Annual Percentage Rate)
(Annual Percentage Yield)
Savings 0.10%
(on balances of $100 or more)
Checking 0.10%
(on balances of $100 or more)
Christmas/Vacation Club 0.10%
(on balances of $100 or more)


Fee Schedule

Fee Schedule
Service Fee
ATM/Debit Rejected Transaction $.50 per reject
ATM Withdraw at other Financial Institution $1.00
Bad Address (Returned Mail) $5.00 per month
Cashiers Check $1.00
Copy of Paid Share Draft $3.00
Copy of Statement $2.00
Corporate Checks (for bill paying) $2.50 per check
Courtesy Pay Fee $27.00
Fax Fee $5.00
Fed Ex Delivery Charge $30.00
Garnishment/Levy Administration Fee $50.00
History of Account $2.00 per month
Home Equity Late Fee $75.00
Inactivity Fee (no activity for 24 months, balance under $100) $5.00 per month
License Sticker Fee $6.00
Loan Application Fee $5.00
Loan Late Fee $30.00
Membership Fee $.25
Money Orders $1.00 per money order
Nonsufficient Funds: Share Drafts or ACH $27.00
Replace Lost ATM/Debit / VISA Card $5.00
Returned Deposit Check $25.00
Share Acct closed within 3 Months $25.00
Share Draft / ACH Stop Payment $27.00
Temporary Checks $.50 per check
Visa Card Late Fee $25.00
VISA Gift Card Fee $2.00
VISA Travel Money Card Fee $3.00
Western Union $25.00
Wire Transfer (outgoing) $20.00