Disclosures
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Account
Agreement and Disclosure | (106 KB)
Loan Type |
Annual Percentage
Rate |
Term |
| Secured Loans | ||
| New or Used Automobile & Truck Loan | 5.50% - 15.00% | Up to 60 months |
| * minimum loan amount $15,000 | 6.00% - 15.00% | 61 to 72 months* |
| ** minimum loan amount $25,000 | 6.50% - 16.50% | 73 to 84 months** |
| Motorcycles, Boats or Recreational Vehicles | ||
| *minimum loan amount $10,000 | 6.25% - 16.50% | Up to 60 months |
| **minimum loan amount $15,000 | 6.75% - 16.75% | 61 to 96 months* |
| ***minimum loan amount $20,000 | 7.25% - 17.00% | 96 to 120 months |
| 7.50% - 17.25% | 120 to 180 months | |
| Other Secured Loans | 8.00 % - 17.50% | Up to 36 months |
| 8.50% - 17.50% | 37 to 60 months* | |
| Signature Loans & Line of Credit | 12.00% - 18.00% | Up to 60 months |
| 12.00% - 18.00% | 37 to 60 months* | |
| Share & CD Secured | ||
| Share Secured | 4.50% | Above share rate |
| CD Secured | 3.50% | Above CD rate |
| Cool Perks Loan Promo | 8.90% - 13.00% | 36 months |
| Up to $5,000 - 36 Month Payback | ||
| Fixed Rate Home Equity |
8.00% - 13.00% |
Up to 180 months |
| Up to 90% Equity | ||
| EZ Home Loan | 8.90% - 13.40% | Up to 60 months |
| Up to 100% Equity | 9.90% - 14.40% | Up to 84 months |
| 10.90% - 15.40% | Up to 120 months | |
| MasterCard Classic | 13.90% | $500 - $5,000 |
| MasterCard Gold | 11.90% | $5,000 - $10,000 |
| MasterCard Platinum | 7.95% | $7,500-$25,000 |
| Line of Credit - "Quick Cash" | 12.00% - 18.00% | Revolving |
*Annual Percentage Rates and Terms are subject to credit approval **Variable Rate Subject to change Quarterly
Schedule of Fees |
|
| General Services | Checking |
| Cashier / Corporate Checks $2.00 Money Orders $1.00 Travelers Checks (per $100) $1.00 Travelers Checks (2) $1.75 Statement Copies (per page) $2.00 History Printout (per page) $2.00 Telephone Transfer $2.00 U.S. Wire Transfer $15.00 Foreign Wire Transfer $35.00 MI wires CU to CU $15.00 Close Account (< 6 mos) $10.00 Dormant Account (per mo.) $3.00 Online Banking (> 120 min.) $.03/min. Bill Pay (monthly - 15) $3.00 Bad Address/Rtn Mail $5.00 Monthly Maint. $3.00 Escheat Account $50.00 Check Cashing (Member & Non-Member) $3.00 Fax Service (per page) $1.00 Early Withdrawal Xmas Club $15.00 Canadian/Foreign Item $2.00 Exceed Reg D Limit (per occurrence) $5.00 Lien Verification $10.00 Verification of Deposit (No chg Mtg Ctr or Ours) $15.00 Prepaid Visa Gift Cards $3.00 |
Business Monthly $5.00 Stop Payment $25.00 EFT Stop Payment $25.00 NSF Funds $25.00 Courtesy Pay $25.00 Returned Checks $25.00 Automatic Xfr (From Savings) Loans Free $2.00 Collection Item $25.00 Garnish/Levy $25.00 Check Copies $3.00 Account Research $25/hr. Temporary Checks (new free) (per page) $2.00 |
| ATM/Debit | |
| Replacement ATM $5.00 Debit Card Reissue $7.00 NSF Funds $25.00 ATM Transaction Fee (6 free/ mo.) $1.00 Rush Dr Card & Pin Vendor Chg. |
|
Fees are Effective as of 9/01/07
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(734) 285-0600 FAX: (734) 285-3264
