Rates & Fees

RATESAPY="Annual Percentage Yield"
SAVINGS RATESAPY
Regular shares.25%
Vacation shares.25%
Christmas shares.25%
*Minimum balance to earn dividend$100.00
SHARE CERTIFICATESAPY
3 Month CD.30%
6 Month CD.50%
9 Month CD.50%
12 Month CD.70%
PERSONAL LOANS
As low as 8.00%
AUTOMOBILE LOANS
As low as 3.50% New or Used
FIRST MORTGAGES
Rates change daily please call us

FEES
SHARE DRAFT ACCOUNT FEES
Overdraft$10 per item
Non Sufficient Funds $10 per item
Returned Deposit Item$25 per item
Stop Payment$20 per request
OTHER SERVICE FEES
Items Sent for Collection$25 per item
Account Reconciliation$25 per hour
Account Research$25 per hour
Statement Copy$1 per copy
Deposited Item Returned$25 per item
Legal Process$25
Dormant Account$10 per month after 2 years inactivity
EFT FEES
ATM Withdrawals on our networksUnlimited
ATM Withdrawals outside of our networks$1.50 each
Card Replacement$15 per request
PIN Re-issue$1 per request
ACH Overdraft$10 per item

Rates as of December 19, 2013 and are subject to change without notice