Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
NCUA
National Credit Union Administration, a U.S. Government Agency
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| Share/Savings Accounts | | | | | Club Accounts | |
| | CHRISTMAS CLUB | .30 Div. Rate | .30 APY * | | no withdrawals allowed during year | | | | | Share Accounts | | | | MIMIMUM DEPOSIT OF $5.00 REQUIRED TO OPEN ACCOUNT. | | |
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| | REGULAR SHARE ACCOUNT | .30 Div. Rate | .30 APY * | | $1 Minimum $4000 Maximum dividend rate paid as of 06/30/2010 | | REGULAR SHARE ACCOUNT | .80 Div. Rate | .80 APY * | | $4000 Minimum $100000 Maximum dividend rate paid as of 06/30/10 | | | | | Share Certificate Accounts | | | | SHARE CERTIFICATES ARE NON TRANSFERABLE. THE ANNUAL PERCENTAGE YIELD IS BASED ON AN ASSUMPTION THAT DIVIDENDS WILL REMAIN IN THE ACCOUNT UNTIL MATURITY. | | |
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| | 6 MONTH SHARE CERTIFICATE | 1.05 Div. Rate | 1.06 APY * | | $1000 Minimum $100000 Maximum | | 1 YEAR SHARE CERTIFICATE | 1.15 Div. Rate | 1.16 APY * | | $1000 Minimum $100000 Maximum . | | | | | Share Draft Accounts | |
| | REGULAR SHARE DRAFT ACCOUNT | .15 Div. Rate | .15 APY * | | $5 Minimum $100000 Maximum dividend rate paid as of 06/30/10 | | |
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| Loan Accounts | | | | | Unsecured Loans (Signature) | |
| | SIGNATURE | 8.95 APR | UP TO 60 MONTHS | | SIGNATURE | 7.95 APR | UP TO 60 MONTHS | | | | | Share-Secured Loans | |
| | 100% SHARE SECURED | 5.00 APR | UP TO 72 MONTHS | | 50% SHARE SECURED | 5.50 APR | UP TO 60 MONTHS | | | | | Vehicle Loans | |
| | NEW CAR - CURRENT MODEL YEAR | 4.05 APR | 36 MONTHS | | NEW CAR-CURRENT MODEL YEAR | 4.25 APR | 48 MONTHS | | NEW CAR-CURRENT MODEL YEAR | 4.75 APR | 60 MONTHS | | USED CAR - 1 /2 YEAR OLD MODELS | 5.25 APR | UP TO 60 MONTHS | | USED CAR-3/5R OLD MODEL | 5.50 APR | UP TO 60 MONTHS | | USED CAR-5 YEAR OLD MODEL | 6.50 APR | UP TO 48 MONTHS | | | | | Motorcycle Loans | |
| | MOTORCYCLE LOANS<20,000.00 | 6.95 APR | UP TO 48 MONTHS | | MOTORCYCLE LOANS<20,000.00 | 7.50 APR | UP TO 60 MONTHS | | MOTORCYCLE LOANS >20,000.00 | 7.75 APR | UP TO 72 MONTHS | | | | | Watercraft Loans | |
| | BOATS, WATER JETS | 6.95 APR | UP TO 48 MONTHS | | BOATS, WATER JETS | 7.50 APR | UP TO 60 MONTHS | | BOATS, WATER JETS | 7.75 APR | UP TO 72 MONTHS | | | | | Mobile Home Loans | |
| | MOTOR HOMES | 6.95 APR | UP TO 48 MONTHS | | MOTOR HOMES | 7.50 APR | UP TO 60 MONTHS | | MOTOR HOMES | 7.75 APR | UP TO 72 MONTHS | | | | | Credit Cards | |
| | VISA CLASSIC | 11.88 APR | | | VISA PLATINUM PREFERRED | 9.9 APR | | | | | | Personal Loans | |
| | SECURED BY COLLATERAL | 6.50 APR | UP TO 60 MONTHS | | | | LOAN RATES MAY BE SUBJECT TO A 1/4 % DISCOUNT IF TEMPORARY DISABILITY INSURANCE IS ELECTED BY MEMBER.
CERTAIN RESTRICTIONS APPLY TO SIGNATURE LOANS.
RATES STATED ARE TO QUALIFIED BORROWERS.
THESE RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
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| Fees & Disclosures | | | | | Deposit Account Fees | |
| | SHARE DRAFT NSF FEE | 20.00 | | SHARE DRAFT STOP PAYMENT FEE | 10.00 | | SHARE DRAFT MICROFILM COPY | 1.50 | | SHARE DRAFT RETURN OF ORIGINAL DRAFT | 5.00 | | SHARE DRAFT PERSONAL CHECKS | VARIES BY STYLE | | SHARE DRAFT PERSONAL CHECKS -NEW ACCOUNT | FIRST 50 FREE | | | | | Miscellaneous Fees | |
| | VISA GIFT CARDS | 2.50 | | VISA CREDIT CARD -LATE FEES | 25.00 | | VISA CREDIT CARD - OVER LIMIT FEE | 25.00 | | VISA CREDIT CARD-RETURNED CHECK FEE | 15.00 | | VISA CREDIT CARD-RECOVERY FEE | 65.00 | | ATM WITHDRAWAL S | 4 FREE/$1 PER WITHDRAWAL THEREAFTER | | |
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