Rates & Fees

Rates

Last Updated 10/12/2022

Fair Issac Score
A+> 730
A680 – 729
B640 – 679+1
C600 – 639+2
D
550 – 599+3
E
549 or less+4
Signature Loans up to $10,000
Up to 48 mos.9.99% – 13.99%
Up to 36 mos.8.50% – 12.50%
Up to 24 mos.7.99% – 11.99%
Up to 12 mos.7.75% – 11.75%
Share Secured
Up to 60 mos.3.50% above current rate
Up to 36 mos.2.00% above current rate
Auto Loan Rates

New & Used Vehicles 2023, 2022, 2021

including motorcycles

Up to 36 mos.3.99% – 7.99%
Up to 48 mos.4.49% – 8.49% 
Up to 60 mos.4.74% – 8.74%
Up to 72 mos.4.99% – 8.99%
Up to 84 mos.5.50% – 9.50% (over $30,000.00)
Used Vehicles 2020, 2019, 2018
Up to 36 mos.4.74% – 8.74%
Up to 48 mos.5.24% – 9.24%
Up to 60 mos.

5.49% – 9.49%

Up to 72 mos. 

5.99% – 9.99%

Used Vehicles
2017, 2016, 2015Up to 48 mos.5.74% –  9.74%
2014 or olderUp to 36 mos.6.99% –  10.99%

New & Used Recreational Vehicles

New & Used UCC Property 

Up to 36 mos.6.25% – 10.25%
Up to 48 mos.6.75% – 10.75%
Up to 60 mos.

7.00% – 11.00%

Up to 72 mos.7.00% – 11.00%
CD Rates
12 mos.1.00% APY
24 mos.1.24% APY
SharesChristmas and Vacation Shares
.15% APY.15% APY

Rates are subject to change. Please contact the credit union for current rates. Last update: November 15, 2021.

You may qualify for rate discounts. Call the credit union today for details.

Rates are expressed as annual percentage rates and are subject to change without prior notice. These rates are valid for credit worthy members with a Fair Isaac Score of 680 or higher. (Range 100 to 1000.) Credit worthy members with lower scores will qualify for higher rates. (640-679=+1%), (500-639=+2%),
(550-599=+3%), (549 OR LESS=+4%). Members with no Fair Isaac Score due to insufficient data =+2%.

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New Fee Schedule

Effective 11/15/2021

Fees

NSF Fee (Draft item)$25.00 per
NSF Fee (ACH item)$25.00 per
Courtesy Pay Fee$25.00 
Returned Item Fee$15.00 per item
Stop Payment Fee$25.00 per item
Draft Photocopy Request Fee$2.50 per copy
Dormant Account Fee (ESCHEAT)$60.00 after 3 years,
$5.00 per month after 1 year
Bad Address Fee$6.00 per returned item
Mailed statement$1.00 per statement mailed
Debit Card Replacement Fee$20.00 per debit card
Rush Debit Card Replacement Fee$40.00 per debit card
Counter checks/Mid-Atlantic checks
*additional checks of either
First two (2) – Free per month
$3rd, 4th or 5th checks $1.00 per check,
6th check and on $5.00 per check

Checking cashing fee for non-members
(with proper ID, on our members' accts. only)

$20.00 per item

Auto Redemption Fee$100.00