Rates that truly entertain.

Putting the power of the Credit Union to work for your financial needs is a wise decision. As a not-for-profit institution, after expenses are paid and reserves set aside, surplus earnings are returned to you in the form of higher dividends and lower loan rates. As a member-owner, your financial goals are the priority and the Credit Union's goal is to help you succeed.

Select from the following to learn more:
Rates, terms and conditions subject to change without notice.

 
RATES QUOTED ON THIS RATE SHEET ARE SUBJECT TO CHANGE WITHOUT NOTICE
Account Type Minimum Deposit to Open Account / Avoid Low Balance Fee Balance Tiers to Earn Dividends Dividend Rate Annual Percentage Yield
Performance Checking $25/$1,000 $1,000 and over 0.010% 0.010%
eChecking $25 / None No Dividends Earned None None
Primary Savings $50 / $250 $50 - $249 0.000% 0.000%
$250 - $9,999 0.050% 0.050%
$10,000 - $24,999 0.050% 0.050%
$25,000 - $49,999 0.050% 0.050%
$50,000 - $99,999 0.050% 0.050%
$100,000 and over 0.050% 0.050%
Additional Savings None $50 - $249 0.000% 0.000%
$250 - $9,999 0.050% 0.050%
$10,000 - $24,999 0.050% 0.050%
$25,000 - $49,999 0.050% 0.050%
$50,000 - $99,999 0.050% 0.050%
$100,000 and over 0.050% 0.050%

IRA Savings(Traditional, Roth)

 $50 $50 - $9,999 0.050% 0.050%
$10,000 - $24,999 0.050% 0.050%
$25,000 - $49,999 0.050% 0.050%
$50,000 - $99,999 0.050% 0.050%
$100,000 and over 0.050% 0.050%
Money Market $2,500 $0.01 - $2,499 0.050% 0.050%
$2,500 - $24,999 0.050% 0.050%
$25,000 - $49,999 0.050% 0.050%
$50,000 - $74,999 0.050% 0.050%
$75,000 - $99,999 0.050% 0.050%
$100,000 and over 0.050% 0.050%

 
Account Type Minimum Deposit to Open Account Balance Tiers to Earn Dividends Dividend Rate Annual Percentage Yield
Health Savings (HSA) $50 $0.01 and over 0.010% 0.010%

 
Account Type Minimum Deposit to Open Account Balance Tiers to Earn Dividends Dividend Rate Annual Percentage Yield
Coogan Savings $50 $50 - $9,999 0.050% 0.050%
$10,000 - $24,999 0.050% 0.050%
$25,000 - $49,000 0.050% 0.050%
$50,000 - $99,999 0.050% 0.050%
$100,000 and over 0.050% 0.050%
Young Performer Savings $50 $50 - $9,999 0.050% 0.050%
$10,000 - $24,999 0.050% 0.050%
$25,000 - $49,999 0.050% 0.050%
$50,000 - $99,999 0.050% 0.050%
$100,000 and over 0.050% 0.050%
Young Performer Checking $25 None 0.010% 0.010%
Teen Access Checking None No Dividends Earned None None

Primary & Additional Savings, IRA Savings, Performance Checking and Money Market Accounts (including Coogan Savings, Young Performer Savings & Checking, and Health Savings Accounts): Dividends are earned daily and paid and credited monthly. Dividend Rates are variable and once the account is opened can change monthly on Savings, IRA Savings and Checking Accounts and weekly on Money Market Accounts. Fees can reduce earnings on the account. The advertised Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date and are subject to change at any time without notice.

 
Certificate Term Balance Tiers ($1,000) Dividend Rate Annual Percentage Yield
60 months $1,000 - $9,999 0.499% 0.500%
$10,000 - $24,999 0.698% 0.700%
$25,000 - $49,999 0.698% 0.700%
$50,000 - $99,999 0.698% 0.700%
$100,000 and over 0.698% 0.700%
48 months $1,000 - $9,999 0.399% 0.400%
$10,000 - $24,999 0.598% 0.600%
$25,000 - $49,999 0.598% 0.600%
$50,000 - $99,999 0.598% 0.600%
$100,000 and over 0.598% 0.600%
36 months $1,000 - $9,999 0.200% 0.200%
$10,000 - $24,999 0.399% 0.400%
$25,000 - $49,999 0.399% 0.400%
$50,000 - $99,999 0.399% 0.400%
$100,000 and over 0.399% 0.400%
24 months $1,000 - $9,999 0.100% 0.100%
$10,000 - $24,999 0.300% 0.300%
$25,000 - $49,999 0.300% 0.300%
$50,000 - $99,999 0.300% 0.300%
$100,000 and over 0.300% 0.300%
18 months $1,000 - $9,999 - -
$10,000 - $24,999 - -
$25,000 - $49,999 - -
$50,000 - $99,999 - -
$100,000 and over - -
12 months $1,000 - $9,999 0.100% 0.100%
$10,000 - $24,999 0.200% 0.200%
$25,000 - $49,999 0.200% 0.200%
$50,000 - $99,999 0.200% 0.200%
$100,000 and over 0.200% 0.200%
6 months $1,000 - $9,999 0.050% 0.050%
$10,000 - $24,999 0.150% 0.150%
$25,000 - $49,999 0.150% 0.150%
$50,000 - $99,999 0.150% 0.150%
$100,000 and over 0.150% 0.150%

Certificates (including Coogan and IRA Certificates): Dividends are earned daily and are paid and credited monthly. The fixed rate contracted for all Certificate accounts remains in effect for the entire term of the certificate. The advertised Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date and are subject to change at any time without notice. The disclosed Annual Percentage Yield assumes dividends remain on deposit until maturity.  Early withdrawal penalties apply.

 
Auto Loans Maximum Term* (months) 100% Financing APR as low as

2012-2013 Model Years

 84 1.99%***

2008-2011 Model Years

60

2.24%***

2001-2007 Model Years

48

3.75%

 
Motorcycle Loans Maximum Term* (months) 90% Financing APR as low as

2012-2013 Model Years

 84 6.49%

2008-2011 Model Years

 60 6.75%

2001-2007 Model Years

  48   6.75% 
 
Boat Loans Maximum Term* (months) 90% Financing APR as low as

2012-2013 Model Years

 84 6.49%

2008-2011 Model Years

 60 6.75%

2001-2007 Model Years

  48   6.75% 
 
Recreational Vehicle (RV) Loans Maximum Term* (months) 90% Financing APR as low as

2012-2013 Model Years

 84 6.49%

2008-2011 Model Years

 60 6.75%

2001-2007 Model Years

  48   6.75% 

Personal Loans Maximum Term* (months) APR as low as Amount
Overdraft Protection Line of Credit Revolving 15.99% $3,000 LOC
Personal / Signature 60 9.90% Up to $10,000
Share Certificate-Secured Maximum up to Certificate Term Certificate Rate +3.00% Up to 90% of Certificate Balance
Share-Secured – Fixed Rate 24 24 3.50% Up to 100% of Share Balance
Share-Secured – Fixed Rate 48 48 4.00% Up to 100% of Share Balance
Share-Secured – Fixed Rate 72** 72 5.00% Up to 100% of Share Balance

First time car buyer program available - call 1.800.826.6946 for details!

'As Low As' rates are our best fixed rates on approved credit and include a 1.00% discount for Automatic Payment (unless otherwise indicated).

100% financing not to exceed the lesser of purchase price or book value, plus destination charges, tax and license, extended warranty and guaranteed auto protection (GAP) coverage. Book value is 100% Retail Kelly Blue Book. We are unable to finance salvaged titles.

* Terms on 2012-2013 model years up to 84 months on loan amounts over $40,000, otherwise, up to 72 months. Terms on 2008-2011 model years up to 60 months. Terms on 2001-2007 model years up to 48 months.

** 72 month term available only on loan amounts of $10,000 or more.

***Lowest rate available on loan amounts of $15,000 or more. Loans under $15,000 also available.

 

 
General Services

One-time Membership Fee

$10.00

Money Orders (each)

$2.00

Cashier's Checks (each)

$5.00

Stop Payment on Cashier's Checks, Official Checks and Money Orders (each)

$20.00

Rejected Deposited Check Processing Fee (per item)

$5.00

Dishonored / Returned Deposit Item (each item)

$20.00

If Member is Maker of Dishonored/Returned Item
(Per item fee in addition to $20 Dishonored/Returned Item fee)

$25.00

Incoming Wire Transfer

FREE

Outgoing Wire Transfer

$30.00

Wire Trace Fee

$10.00

Collection Item - Foreign or Domestic

At cost plus $30.00

ACH and Direct Deposit

FREE

Dormant Account Fee (per month)

$15.00

Account Escheat Fee

$2.00

Bad Address Fee (per month)
(Applies 90 days after receipt of first notice of undeliverable/bad address from PO)

$3.00

Paper Statement Fee (Per statement period)

$3.00

Check Printing

At cost

 
Checking Accounts

Performance Checking (per month)
(The monthly service charge is waived if you maintain an average daily balance of $1,000.00 in the account for the month, OR if you maintain an average daily balance of $250.00 in the account for the month AND you are either enrolled in our eStatement Service or receive a monthly electronic Direct Deposit to the account for the monthly statement period.)

 		$15.00
eChecking
(The monthly service charge is waived if you have a direct deposit totaling at least $250 per statement cycle and conduct a minimum of 10 net non-PIN debit card purchases. Must be enrolled in eStatements - Refer to Account Agreement and Disclosure for complete information.)  

$5.95
NSF Item Paid - Coutesy Pay (each item) $25.00

Overdraft Protection Transfer from Share (each transfer)

 		$3.00

NSF Item Returned Unpaid (each item)

(In any consecutive 12 month period, the first item is FREE, 2nd though 5th item is $30.00 and the 6th or more item is $35.00 each.)

 		$25.00
Stop Payment on Draft or ACH Debit In Person or Over Phone (per item or range of items)

$20.00

Temporary Checks $0.50 each
4 check minimum

Rejected On-Us Check Processing Fee (per item)

$5.00

Primary Regular Share Savings Low Balance Fee (per month)
(The Low Balance Fee is waived if the aggregated average daily balance of all share and share draft accounts within the account number is at least $250.00 for the month, OR you have a loan within the same account number structure OR receive monthly direct deposit to the account OR have an IRA account with us OR you have established an LPL Financial account through our Financial Service.)

$5.00

Non-ASFCU ATM Deposit Fee (eChecking Only)

$2.00

Check Writing Fee (eChecking Only)

$0.50

 
Money Market Savings Accounts
Check Printing - One 25-Check Pac Every 6 Months FREE
Low Balance Fee (per month) $10.00
Excessive Transaction Fee (per item) $10.00
NSF Draft Paid or Returned Unpaid and Stop Payment on Draft or ACH Debit - see Checking Accounts above
 
Traditional and ROTH IRA Share & Certificate Accounts
Annual Fee (Beginning December 31, 2011)

$25.00
Withdrawal Fee (each) $10.00
Account Transfer Fee $20.00
 
Visa Debit Cards
Replacement Card or PIN $10.00
Over 15 ATM Transactions/Inquiries in a month (each) $1.00
ATM Deposit Adjustment Fee $10.00
Empty ATM Deposit Envelope (per deposit) $20.00
Visa Debit Card & ATM Card Point of Sale Transactions NO FEE
Visa Debit Card - NSF Decline Charge (each) $5.00
Visa Debit Card - International Transaction Fee 1.00% of USD Equivalent
Visa Debit Card - International USD Transaction Fee (exceptions apply) 0.8 % of USD Amount

ATM Surcharge (non-member and non-COOP card holders only)

$2.50
 
Virtual Branch Services
Internet Banking FREE

Online Bill Pay

FREE
eStatements FREE
Stop Payment via Internet (per item or range of items) $10.00
Telephone Banking FREE
Bad Email Address Fee $2.95
 
Account Research and Copies
Statement/Document Copies (per page) $5.00
Account Activity Printout (per page) $5.00
Account Reconcilement Research Assistance (first hour or fraction thereof) $25.00
Each hour thereafter (per hour) $50.00
Copy of Deposited Item (front and back) $5.00
Copy of Cleared Check (per check, two free per month) $5.00
Copy of IRS Annual 1098 Mortgage Interest Statement or 1099 Interest Income Statement $5.00
Verification of Deposit/Loan/Mortgage $5.00
Special Handling (per occurrence) $10.00
Rush Request (per occurrence)  $10.00
Writ, Levy or Subpoena - per hour (one hour minimum) $25.00
Copy of Visa Debit or Credit Salesdraft (per item) $10.00
Loan Extension Fee (per loan) $25.00
R/E Loan Subordination Fee (per loan)  $100.00
Skip Tracing Fee $25.00