SCHEDULE OF RATES & FEES
Effective as of March 11, 2026. Money Market XL Rate effective 3/5/26). For the most current rates and fees, please contact your credit union.
| Account Type | Annual Percentage Yield (APY) | Minimum Balance to Avoid Fee | Minimum Balance to Earn Dividend |
|---|---|---|---|
| Share Savings | 0.25% | N/A | $25.00 |
| Special Savings | 0.25% | N/A | $25.00 |
| Save to Win | 2.00% | N/A | $25.00 |
| Money Market | 2.50% | $2,500.00 | $2,500.00 |
| Money Market XL | 3.52% | $20,000.00 | $20,000.00 |
| IRA Savings | 1.25% | N/A | $25.00 |
| Penny’s Saver Club1 | 2.00% | N/A | N/A |
| Christmas Club | 1.10% | N/A | $25.00 |
| Checking Account | 0.35% | N/A | $100.00 |
| Cyclone Checking2 | 4.00% | $5,000.00 | $5,000.00 |
1 Only permitted to withdrawal from this account after November 1st and before the end of that current year to avoid paying early withdrawal fee.
2 The fee is $5 per month when qualifications aren't met. Monthly Qualifications are 10 debit card transactions and 1 direct deposit or ACH transaction.
| Account Type | Annual Percentage Yield (APY) | Minimum Opening Balance | Early Withdrawal Penalty |
|---|---|---|---|
| 6 Months | 3.52% | $500 | 90 days interest |
| 12 Months | 3.62% | $500 | 90 days interest |
| 18 Months | 3.25% | $500 | 90 days interest |
| 24 Months | 3.25% | $500 | 90 days interest |
| 36 Months | 3.25% | $500 | 90 days interest |
*Rates are subject to change without notice. For the current approved rates contact the Credit Union.
| Loan Type | Terms | Annual Percentage Rate (APR) |
|---|---|---|
| New/Used Autos (under 7yrs. old) | 36-84 months | As low as 3.88%* |
| New/Used Recreational Vehicles | 24-120 months | As low as 6.60%* |
| New/Used Boats/Marine/Motorcycles | 24-120 months | As low as 6.60%* |
| New/Used Other Collateral (UCC Lien) | 18-24 months | As low as 7.00%* |
| Signature/Personal | 0-60 months | As low as 9.50% |
| Credit Cards | N/A | As low as 11.90% |
| Shared Secured | Varies | 4.50% |
| Shared Certificate Secured | Varies | CD Rate +3.00% |
| Home Equity Line of Credit | 48-144 months | Prime - 1.00% |
| QuickCA$H (PAL Loan) | Varies | 28.00% |
| Land Loans | 120-360 months | Current 15 year mortgage rate |
*Loan rates are subject to change without notice. For the current approved rates contact the Credit Union.
| General Fees | Description |
|---|---|
| Account Closure | $10.00 If Account Is Closed Within First 90 Days |
| Account Reconciliation | $25.00/Hour Minimum ¼ Hour Safe Deposit Box Fees |
| Account Research | $15.00/Hour |
| Levy/Garnishment Request | $50.00 |
| Inactive Account | $5.00/Month After 1 Year of Inactivity |
| Money Order | $2.00 Per Money Order |
| Escheat | $10.00 |
| Returned Mail | $5.00 Per Item Specific Account Fees |
| Statement Copy | $5.00 Per Statement |
| Wire Transfer: Incoming Outgoing Western Union International | $5.00 Per Transfer $15.00 Per Transfer $15.00 Per Transfer $30.00 Per Transfer |
| Check Cashing | $5.00 (non-members) |
| NSF/Loan Payment | $30.00 Per Item Loan |
| Late Loan Payment | $30.00 |
| Return Item/Deposit | $10.00 Per Item |
| Lien Filing | Fee Required By State Law |
| Verification of Deposit | $5.00 |
| Check Copy | $5.00 per item |
| Loan Processing | $50.00 |
| Paper Statement Fee | $2.00 per statement Age 18-60 only. |
| Checking Account Fees | Description |
|---|---|
| Check Printing Prices | Vary By Style Selected |
| NSF | $30.00 Per Item |
| Overdraft | $20.00 Per Item |
| Stop Payment | $28.00 Per Item |
| Automatic Transfer | $10.00 Per Transfer from Shares to Cover NSF |
| Temporary Checks | $2.00 For 4 Checks |
| EFT Fees | Description |
|---|---|
| Card Replacement | $10.00 Per Card |
| Payment Processing Fee Fees | Description |
|---|---|
| Phone Payment | $2.00 payment made over the phone using a debit/credit card |
| Safe Deposit Box Fees | Description |
|---|---|
| 3” x 5” x 22” Box | $25.00 Per Year |
| 3” x 10” x 22” Box | $35.00 Per Year |
| Drilling of Box (Due to Lost Keys or Nonpayment) | $155.00 (or actual cost whichever is higher) |
| Replacement Key | $10.00 |
| Specific Account Fees | Description |
|---|---|
| Regular/Secondary Shares-Excessive Withdrawal | $5.00 Per Withdrawal After 2 Per Month |
| Money Market- Excessive Withdrawal | $7.50 Per Withdrawal After 6 Per Month |
| Money Market- Minimum Balance | $20.00 Per Month If Daily Minimum Balance Is Not Maintained |
| Loan Skip-A-Pay (Offered Summer and Christmas Only) | $30.00 Per Eligible Loan - Limit 2 per 12 months |
*All Fees are subject to change by the Credit Union Board of Directors. Fees are charged based on the most up to date Fee Schedule.
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