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| 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: |
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| Rates, terms and conditions subject to change without notice. |
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| RATES QUOTED ON THIS RATE SHEET ARE SUBJECT TO CHANGE WITHOUT NOTICE |
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| 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. |
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| 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.
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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% Peck's Black Book if 'new', 100% Retail Kelly Blue Book if 'used'. We are unable to finance salvaged titles. * Terms on newer model years to 84 months on loan amounts over $40,000, otherwise, 72 months. Terms on older model years to 60 months on loan amounts over $20,000, otherwise 48 months. ** 72 month term available only on loan amounts of $10,000 or more. |
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| 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 |
| American Express Travelers Cheques | FREE |
| American Express Travelers Cheques for Two | 1% of sale |
| American Express Gift Cheques (per check) | $2.50 |
| Dishonored / Returned Deposit Item (each item) | $20.00 |
| If Member is Maker of Dishonored/Returned Item | $25.00 |
| Incoming Wire Transfer | FREE |
| Outgoing Wire Transfer | $30.00 |
| 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) | $3.00 |
| Paper Statement Fee (Per statement period) | $3.00 |
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Check Printing | At Cost |
| Checking Accounts | |
| Performance Checking (per month) | $15.00 |
| NSF Item Paid - Coutesy Pay (each item) | $25.00 |
| 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 |
| Primary Regular Share Savings Low Balance Fee (per month) | $5.00 |
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| 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) | $20.00 |
| 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 |
| 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 |
| Copy of Deposited Item (front and back) | $5.00 |
| Copy of Cleared Check (per check, two free per month) | $5.00 |
| Writ, Levy or Subpoena - per hour (one hour minimum) | $25.00 |
| Copy of Visa Debit or Credit Salesdraft (per item) | $10.00 |
We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
