Rates
LOAN RATES
| Loan Type | APR* |
|---|---|
| New/ Used 48 mo. (current & prior 2 model years) | 5.00% |
| New / Used 60 mo. (current & prior 2 model years) | 5.50% |
| New / used 75 mo. / $20K or > loan amt. (current & prior 2 model years) ** | 6.00% |
| Used car / truck purchase (3 model years & older), 60 month max term. | 6.25% |
| New/Used (curr & prior 2 yrs) street motorcycle 500cc> 48 mo. | 6.00% |
| New/Used (curr & prior 2 yrs) street motorcycle 500cc> 60 mo. | 6.50% |
| Used/Used (curr & prior 2 yrs) street motorcycle 500cc> 72 mo. ($20K > ln) | 6.75% |
| Used (3 model years old & older) street motorcycle 500cc> up to 60 mo. | 6.75% |
| New/Used boat (curr & prior 2 yrs) 60 mo. | 6.50% |
| New/Used (curr & prior 2 yrs) boats 72 mo. ($20K min. loan amount) ** | 6.75% |
| Used boat purchase 60 mo. | 7.00% |
| New farm equipment 72 mo. ** | 7.25% |
| New farm equipment 60 mo. | 6.75% |
| Used farm equipment 60 mo. | 7.35% |
| New RVs 75 mo. | 7.25% |
| New RVs 120 mo.(>$30K) | 7.75% |
| Used RVs 75 mo. | 7.75% |
| Used RVs 120 mo., (>$30K) | 8.25% |
| New ATV/ personal watercraft / off-road motorcycle, 36 mo. | 9.25% |
| Used ATV/ personal watercraft / off-road motorcycle, 36 mo. | 9.25% |
| Unsecured loan | 9.99% |
Effective January 1, 2024
Member credit score determines actual loan rate. Rates as low as:
Open End / Share Secured:
Visa Classic as low as 8.99%.
1.95% Share secured, variable rate. 1.5% margin over pledged account. If pledged account rate changes, loan rate will change accordingly. Certificate secured loans 1.5% over nominal rate.
2.45% Share secured, fixed rate, maximum term 5 years.
*Annual Percentage Rate
** Loan amount $20K or greater, subject to credit and policy limitations.
Your savings federally insured to $250,000.00. National Credit Union Administration, a U. S. Government Agency
SHARE RATES
| Account Type | Nominal Rate | APY | Compound Method | Minimum |
|---|---|---|---|---|
| Regular Shares* | 0.45% | 0.451% | Monthly | N/A |
| Regular IRA Shares* | 0.70% | 0.702% | Monthly | N/A |
| Crescent Checking | 0.15% | 0.150% | Monthly | $2,000 |
| 6 Month Certificate | 3.25% | 3.303% | Daily | $1,000 |
| 12 Month Certificate | 3.80% | 3.873% | Daily | $1,000 |
| 18 Month Certificate | 3.15% | 3.200% | Daily | $1,000 |
| 24 Month Certificate | 3.00% | 3.045% | Daily | $1,000 |
| 30 Month Certificate | 3.00% | 3.045% | Daily | $1,000 |
| 36 Month Certificate | 3.00% | 3.045% | Daily | $1,000 |
| 48 Month Certificate | 3.00% | 3.045% | Daily | $1,000 |
| 60 Month Certificate | 3.00% | 3.045% | Daily | $1,000 |
Effective Sept 20, 2024
*All dividends are paid monthly on the last day of each month. Rate shown is last declared rate. This rate is subject to change at each month-end as declared by Board of Directors. Dividends on Certificates can be added to the Certificate, transferred to the regular share account, paid by check, or credited to your checking account by ACH transfer.
FEES
| Service | Fee | Nominal Rate | APY | Minimum |
|---|---|---|---|---|
| Account Closure | 10.00 closed within 3 months opening | |||
| Account Reconciliation/Research | 20.00/hour and $20.00 minimum charge | |||
| Automatic Transfer (share to checking to cover transactions) | 2.00 / transfer | |||
| Bad Address (after returned once with no forwarding) | 5.00 / month | |||
| Bill Pay | 5.00 / month | |||
| Cashiers’ Check (credit union check to 3rd party) | 3.00 / check | |||
| Cresent Checking | 0.15% | 0.15% | Monthly | $2,000 Avg Daily Balance |
| Courtesy Pay (for debit card/ATM transactions, must “opt-in”) | 30.00 / item | |||
| Debit Card Replacement | 15.00 / per card | |||
| Debit Card Transaction Receipt | 5.00 / each | |||
| Deposited Item Return | 10.00 / item | |||
| Dormant Account (after 2 year(s) & account balance is less than $100 | 7.00 / month | |||
| Excessive Withdrawal (after 6 in a month on regular shares) | 1.00 / each | |||
| Inactive Online Banking (each month after 3rd month of registering) | 3.00 / month | |||
| Legal Process (garnishment, tax levies, summons) | 10.00 | |||
| Money Order | 1.00 | |||
| NSF | 30.00 / item | |||
| Overdraft | 30.00 / item | |||
| Overdraft Protection (interest rate based on credit score) | 30.00 to open | |||
| PayCard Transfers (after 5th transfer in a month) | 3.00 / each | |||
| PIN Replacement | 1.00 / each | |||
| Service Fee – Classic Share Draft (without direct deposit) | 5.00 / month | |||
| Statement Copy | 1.00 / month | |||
| Stop Payment | 30.00 | |||
| Western Union | 35.00 | |||
| Wire Transfer (incoming) | 5.00 / each | |||
| Wire Transfer (outgoing) | 10.00 / each |
