Savings Rates

No changes to Savings Rates as of 1-30-2024

Savings AccountDividend RateAnnual Percentage Yield*
0.10%0.10%
CD and IRA RatesDividend RateAnnual Percentage Yield*
0.30%0.30%
IRA SharesDividend RateAnnual Percentage Yield*
0.25%0.25%
Checking AccountsDividend RateAnnual Percentage Yield*
0.05%0.05%
Money Market AccountDividend RateAnnual Percentage Yield*
>$90,000.001.00%1.01%
$60,000.01 – $90,000.000.80%0.80%
$30,000.01 – $60,000.000.60%0.60%
$5,000.01 – $30,000.000.40%0.40%
$2,000.00 – $5,000.000.20%0.20%

CD and IRA Rates

Minimum $500.00 TermsDividend RateAnnual Percentage Yield*
3 Month0.25%0.25%
6 Month0.45%0.45%
12 Month4.50%4.60%
18 Month2.80%2.84%
24 Month2.80%2.84%
24 Month Trade-A-Rate2.80%2.84%
36 Month1.30%1.31%
48 Month1.35%1.36%
Minimum $20,000.00 TermsDividend RateAnnual Percentage Yield*
3 Month0.35%0.35%
6 Month0.55%0.55%
12 Month4.75%4.86%
18 Month2.90%2.94%
24 Month2.90%2.94%
24 Month Trade-A-Rate2.90%2.94%
36 Month1.40%1.41%
48 Month1.45%1.46%
Minimum $75,000.00 TermsDividend RateAnnual Percentage Yield*
3 Month0.45%0.45%
6 Month0.65%0.65%
12 Month5.00%5.13%
18 Month3.00%3.05%
24 Month3.00%3.05%
24 Month Trade-A-Rate3.00%3.05%
36 Month1.50%1.51%
48 Month1.55%1.56%

Loan Rates

No changes to Loan Rates as of 10-10-2023

Loan TypeAPR* Rates as low asTerm Guidelines**
Auto
New/Used/Pre-owned
7.49%For 84 Months^^ at least $20,000.00+
For 72 Months at least $15,000.00+
For 60 Months at least $10,000.00+
For 48 Months at least $5,000.00+
For 36 Months can be less than $4,999.99
Recreational Vehicles
Boats/Motor Homes/Travel Trailers
8.00%For 84 Months^^ at least $20,000.00+
For 72 Months at least $15,000.00+
For 60 Months at least $10,000.00+
For 48 Months at least $5,000.00+
For 36 Months can be less than $4,999.99
Motorcycles8.00%For 84 Months^^ at least $20,000.00+
For 72 Months at least $15,000.00+
For 60 Months at least $10,000.00+
For 48 Months at least $5,000.00+
For 36 Months can be less than $4,999.99
Personal Watercraft/ATVs8.00%For 84 Months^^ at least $20,000.00+
For 72 Months at least $15,000.00+
For 60 Months at least $10,000.00+
For 48 Months at least $5,000.00+
For 36 Months can be less than $4,999.99
Signature/Unsecured Loan10.99%For 72 Months at least $15,000.00+
For 60 Months at least $10,000.00+
For 48 Months at least $5,000.00+
For 36 Months can be less than $4,999.99
Stock Secured
NYSE & AMEX Stocks
6.00%Up to 24 months
Mortgage LoansContact us for ratesContact us for rates
SBA Approved LenderContact us for ratesContact us for rates
Share Certificate/SecuredShare Certificate/Secure Rate + 3.00%
Line of Credit12.00%Revolving
HELOC/MastercardPrime + 2.00%^Revolving
Standard Mastercard12.50%Revolving
Platinum MastercardPrime + 3.00%Revolving
*Annual Percentage Rate (APR) is based on your individual credit history with approved credit. APR may vary. Rates are subject to change without notice.
**Maximum term on a loan is based on the amount of loan.
^^84 mo. term adds 1.00% APR to rate
^HELOC Mastercard rate is based on Wall Street Journal Prime plus 2.00% with a 5.50% APR floor and a 18.00% APR ceiling.
Prime refers to Wall Street Journal Prime.
***Vehicles over 100,000 miles adds 1.00% APR to rate
*+Vehicles between 150,000-200,000 miles adds 3.00% APR to rate
**+Max mileage 200,000 regardless of year, make or model

Fee Schedule

No changes to Fees as of 1-30-2024

Savings AccountsFees
Shared Savings AccountNo Fees
Club Savings Account$5.00 for each withdrawal over two (2) withdrawals per calendar year
Money Market$10.00 per month if the balance falls below $2,000.00
Money Market Excessive Withdrawals$5.00 for each withdrawal over (6) withdrawals per month
IRA AccountNo Fees
Share Draft/Checking AccountsFees
Classic Checking$1.00 per $100.00 as balance falls below $500.00 to max of $5.00
Regal Checking (ages 55+)No Fees
Free CheckingNo Fees
Check It Out Checking (ages 13-17)No Fees
Business CheckingNo Fees
Debit Card Replacement$5.00 per card
Overdraft/Non-Sufficient Funds (NSF)$30.00 per presentment
ACH/Debits Reversed/Returned$30.00 per presentment
Charged Back/Returned Items$10.00 per presentment
Copy of Share Draft$2.00 per check
OOPS$30.00 per presentment
Overdraft Protection Transfer$2.50 per transfer
Stop Payment via Online BankingFree
Stop Payment via Staff Assistance$30.00 per transaction
Cashier Check$1.00 per check after one (1) free daily is used
Domestic Item Collection$10.00 per item
International Item CollectionActual Cost
Draft/Check PrintingPrices Vary
ATM Balance Inquiry$1.00 per inquiry
Excessive ATM Use$0.75 per ATM transaction in excess of (8) per month
Other ServicesFees
Account Reconciliation/Research$25.00 per hour in 1/4 hour increments
Receipt Copy$5.00 per item
Mail Forwarding$1.00 per item
Notarized Lien Release$5.00 per copy
Domestic Incoming WireNo Fee
International Incoming Wire$5.00 per transfer
Domestic Outgoing Wire Transfer$20.00 per transfer
International Outgoing Wire Transfer$35.00 per transfer
Check Cashing3% of check cashed
Coin CountingRed Crown Members – Free
Shared Branching Members – 10% of collected coin
Inactive Account$5.00 per month
Loan FilingActual cost
Garnishment/Levy$10.00 each
Gift Card$3.50 each
IRA Set UpFree for members
Notary PublicFree for members
Safe Deposit BoxFees
3×5Prices Vary
3×10Prices Vary
5×10Prices Vary
10×10Prices Vary
Mastercard*Fees
Grace Period25 days to repay your balance before a finance charge is imposed
Additional Card$5.00 per card
Cash Advance$5.00 or 2.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $60.00)
Foreign1.00% of each transaction in U.S. dollars completed out the U.S., 0.90% of each transaction in U.S. dollars completed in a foreign currency
Late PaymentUp to $20.00
Return PaymentUp to $20.00
Statement Copy$5.00
Document Copy$5.00
Method of computing the balance of purchasesWe use a method called “average daily balance (including new purchases)”
Because we may charge a service fee for an NSF/Overdraft item each time it is presented, we may charge you more than one service fee for any given item.
*The information about the cost of the card described in this application is accurate as of July 1, 2017.
This information may have changed after that date.