Rates

LOAN RATES

Loan Type APR*
New/ Used 48 mo. (current & prior 2 model years) 2.00%
New / Used 60 mo. (current & prior 2 model years) 2.15%
New / used 72 mo. (current & prior 2 model years) ** 3.00%
Used car / truck purchase (3 model years & older), 60 month max term. 3.45%
New street motorcycle 500cc> 48 mo. 4.25%
New street motorcycle 500cc> 60 mo. 4.75%
Used street motorcycle 500cc> 5.25%
New boat 60 mo. 4.50%
New boats 72 mo. ** 6.25%
Used boat purchase 60 mo. 5.00%
New farm equipment 72 mo. ** 6.25%
New farm equipment 60 mo. 4.50%
Used farm equipment 60 mo. 5.00%
New RVs (5th wh/mtr home) 72 mo. 5.00%
New RVs (5th wh/mtr home) 120 mo.(>$25K) 5.25%
New travel trailer (pull behind/ pop-up) 60 mo. 5.50%
Used RVs (5th w/mtr home) 72 mo. 5.50%
Used RVs (5th wh/ mtr home) 120 mo., (>$25K) 5.75%
Used travel trailer (pull behind/ pop-up) 60 mo. 6.25%
New ATV/ personal watercraft / off-road motorcycle, 36 mo. 7.25%
Used ATV/ personal watercraft / off-road motorcycle, 36 mo. 7.50%
Used auto, boat, RV, motorcycle, farm equip pledged as low as 3.25%
Stock Secured Loans 80% or less of market value 4.25%
Unsecured loan 8.99%

Effective October 19, 2018

Member credit score determines actual loan rate. Rates as low as:

Open End / Share Secured:
Visa Classic as low as 8.99%.
1.85% Share secured, variable rate. 1.0% margin over pledged account. If pledged account rate changes, loan rate will change accordingly. Certificate secured loans 1.0% over nominal rate.
2.35% 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 0.85% 0.853% Monthly N/A
Regular IRA Shares 1.10% 1.106% Monthly N/A
Crescent Checking 0.15% 0.150% Monthly $2,000
6 Month Certificate 1.50% 1.511% Daily $1,000
12 Month Certificate 2.05% 2.071% Daily $1,000
18 Month Certificate 2.15% 2.173% Daily $1,000
24 Month Certificate 2.35% 2.378% Daily $1,000
30 Month Certificate 2.45% 2.480% Daily $1,000
36 Month Certificate 2.60% 2.634% Daily $1,000
48 Month Certificate 2.70% 2.737% Daily $1,000
60 Month Certificate 2.75% 2.788% Daily $1,000

Effective October 19, 2018

All dividends are paid monthly on the last day of each month. 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 5.00 / 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

 

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