
Rates and Fees
LOAN RATES
Type of Loan | Term | Rates as low as |
---|---|---|
Loans with Collateral (Cars, Trucks, Boats, etc.) | 36 Months | 2.99% APR*† $29.08 monthly payment per $1000 borrowed |
Loans with Collateral (Cars, Trucks, Boats, etc.) | 48 Months | 2.99% APR*† $22.14 monthly payment per $1000 borrowed |
Loans with Collateral (Cars, Trucks, Boats, etc.) | 60 Months | 3.24% APR*† $18.08 monthly payment per $1000 borrowed |
Loans with Collateral (Cars, Trucks, Boats, etc.) | 72 Months | 3.74% APR*† $15.53 monthly payment per $1000 borrowed |
Loans with Collateral (Cars, Trucks, Boats, etc.) | 84 Months | 4.74% APR*† $14.02 monthly payment per $1,000 borrowed |
Signature | Terms May Vary | 8.95% APR*† |
Kwik Cash | Line of Credit | 18.0% APR* |
Savings Secured | Terms May Vary | Savings Rate +4% |
*APR=Annual Percentage Rate. Rates, terms and conditions vary based on credit, qualifications and collateral and are subject to change without notice. Rates effective as of 11/1/19. All loans are subject to approval.
ACCOUNT | MINIMUM AMOUNT TO EARN DIVIDENDS | DIVIDEND RATE | APY* | COMPOUND |
---|---|---|---|---|
Cha Ching™ Checkingǂ | $0.01 - $25,000.00 | 2.96% | 3.00% | Monthly |
Cha Ching™ Checkingǂ | $25,000.01 + | 0.25% | 0.25% | Monthly |
Cha Ching™ Checkingǂ | Non-Qualifying Rate | 0.25% | 0.25% | Monthly |
Business Premium Checking** | $5,000 - $24,999.99 | 0.20% | 0.20% | Monthly |
Business Premium Checking** | $25,000 - $49,999.99 | 0.30% | 0.30% | Monthly |
Business Premium Checking** | $50,000 + | 0.40% | 0.40% | Monthly |
Business Elite Checking | $5,000 + | 0.25% | 0.25% | Monthly |
ǂCha Ching™ checking qualification requirements: Login to online banking at least once per month; Sign up & receive free eStatements; ACH direct deposit(s) totaling at least $400 post & clear monthly; 12 debit card purchases of at least $5 post & clear monthly. Fees may reduce earnings.
CERTIFICATE/IRA SPECIAL
Term | Minimum amount to earn dividends |
Dividend rate | APY* | Compound |
---|---|---|---|---|
12 Month | $5,000 | 2.18% | 2.20% | Quarterly |
$5,000 minimum deposit to open and earn dividends.
*APY=Annual Percentage Yield, effective 10/28/2019. Penalty on earnings for early withdrawal, fees may reduce earnings. Rates subject to change without notice. Rates do not apply to institutional or government deposits.
Individual Retirement Accounts (IRA) - It is your responsibility to ensure the contributions, distributions, and other actions related to your IRA comply with the law, including federal tax law. As always, we recommend consulting a legal or tax professional if you have any questions about managing your IRA.
REGULAR RATES
Account | Term | Minimum Amount To Earn Dividends |
Dividend Rate | APY* | Compound |
---|---|---|---|---|---|
Members Choice (Cert/IRA) Direct Deposit Only |
12 Months | N/A | 1.29% | 1.30% | Quarterly |
Certificates / IRA | 3 to 5 Months | $1,000.00 | 0.65% | 0.65% | Quarterly |
Certificates / IRA | 6 to 11 Months | $1,000.00 | 1.29% | 1.30% | Quarterly |
Certificates / IRA | 12 to 17 Months | $1,000.00 | 1.69% | 1.70% | Quarterly |
Certificates / IRA | 18 to 23 Months | $1,000.00 | 1.84% | 1.85% | Quarterly |
Certificates / IRA | 24 to 35 Months | $1,000.00 | 2.33% | 2.35% | Quarterly |
Certificates / IRA | 36 to 47 Months | $1,000.00 | 2.48% | 2.50% | Quarterly |
Certificates / IRA | 48 to 59 Months | $1,000.00 | 2.575% | 2.60% | Quarterly |
Certificates / IRA | 60 Months | $1,000.00 | 2.67% | 2.70% | Quarterly |
IRA- Savings | Open Deposit | $25.00 | 0.25% | 0.25% | Monthly |
Description | Fee/Charge |
---|---|
Early Closure Fee
Account closed within first 90 days after opening
|
$10 |
Account Research Fee
1 hour minimum
|
$20/hour |
Debit Chargeback Fee
Debit card authorized transaction chargeback
|
$20 each |
Card PIN Replacement Fee
ATM/Debit card/PIN replacement or PIN change
|
$5 each |
Check cashing fee (account balance < $500) |
$3 each |
Check copies Fee | $2 each |
Check Printing Charge
(ordered through outside vendor)
|
Varies based on style, postage fees apply |
Deposited Check Returned Fee
Deposited check returned unpaid
|
$5 each |
Monthly Service Fee
Monthly checking account service fee
|
Varies based on type of account |
OD Protection Tran Fee
Overdraft Protection transfer fee
|
$5 each |
Insufficient Funds Fee
Premium Overdraft paid transaction
|
$26 each |
Insufficient Funds Fee
Overdraft/NSF with no overdraft coverage
|
$26 each |
Uncollected funds fee
Transaction greater than available balance
|
$26 each |
Description | Fee/Charge |
---|---|
Excess Withdrawal Fee
Money Market withdrawal fees (after 6 pre-authorized, automated or check withdrawals)*
|
$5 each |
Description | Fee/Charge |
---|---|
Wire In Fee
Wire transfer in
|
$7 each |
Wire Out Fee
Wire transfer out - domestic
|
$20 each |
Wire Out Fee - Foreign
Wire transfer out - foreign
|
$150 each |
Description | Fee/Charge |
---|---|
Cashier's Check Fee | $1 each |
Certified Check Fee | $3 each |
Account Inactivity Fee
Inactive account (if no deposits or withdrawals in 12 months & account balance < $500 total)
|
$5/month |
Invalid Address Fee | $5/month |
Levy/Garnishment Fee | $20 each |
Money Order Fee | $1 each |
Photo Copies/Fax Fee
Photocopies (per page)
Fax
|
Photo Copies: $0.15/ea after 3 pages
Fax: $1 each
|
Safe Deposit Box Fee
Safe Deposit Boxes (availability varies by branch)
|
3x5 - $20, 3x10 - $28, 5x5 - $25, 5x10 - $35, 10x10 - $50 |
Statement Copy Fee | $3 each |
Stop Payment Fee
Stop payment (checks, electronic)
|
$20 each |
Escheatment Fee
Unclaimed account processing fee (if dormant 4.5 years)
|
$100 each |
Description | Fee/Charge |
---|---|
Wire In Fee
Wire transfer in
|
$7 each |
Wire Out Fee
Wire transfer out - domestic
|
$20 each |
Wire Out Fee - Foreign
Wire transfer out - foreign
|
$150 |
Description | Fee/Charge |
---|---|
Early Closure Fee
Account closed within first 90 days after opening
|
$10 |
Account Research Fee
Account research (1 hour min.)
|
$20/hour |
Debit Chargeback Fee
Debit card authorized transaction chargeback
|
$20 each |
Card/PIN Replacement Fee
ATM/Debit card replacement
|
$5 each |
Check Cashing Fee
(account balance < $500)
|
$3 each |
Check Copies Fee | $2 each |
Check Printing Charge
(ordered through outside vendor)
|
Varies based on style, postage fees apply |
Deposited Check Returned Fee
Deposited Check Returned Fee
|
$5 each |
Account Inactivity Fee
Inactive account (if no deposits or withdrawals in 12 months & account balance < $500 total)
|
$5/month |
Monthly Service Fee
Monthly Checking Account service fee
|
Varies based on type of account |
OD Protection Tran Fee
Overdraft Protection transfer fee
|
$5 each |
Insufficient Funds Fee
Overdraft fee
|
$26 each |
Statement Copy Fee | $3 each |
Uncollected Funds Fee
Transaction greater than available balance
|
$26 each |
DESCRIPTION | BUSINESS ELITE CHECKING | BUSINESS PREMIUM CHECKING | ORGANIZATION CHECKING |
---|---|---|---|
Monthly Charge | $5 (waived with $1,000 min. daily balance) | $15 (waived with $2,000 min. daily balance) | N/A |
Minimum Balance | $1,000 | $2,000 | N/A |
Items Cleared* | 100 Free
$0.12 each after 100
|
Free based on tiers***
$0.12 each after Free
|
50 Free,
$0.12 each after 50,
$0.20 each after 100 |
Items Deposited** | 100 Free
$0.12 each after 100
|
Free based on tiers***
$0.12 each after Free
|
50 Free,
$0.12 each after 50,
$0.20 each after 100 |
Deposit processing fee (per deposit) | N/A | N/A | N/A |
Cash Deposits | N/A | N/A | N/A |
Cash Strap Purchases | N/A | N/A | N/A |
Coin Purchases | N/A | N/A | N/A |
Coin Counting | 5% (>$100 in coin) | 5% (>$100 in coin) | 5% (>$100 in coin) |
Zipper Bags | 1 Free
Addtl bags $10 each
|
1 Free
Addtl bags $10 each
|
1 Free
Addtl bags $10 each
|
Lock Bags | $25 each | $25 each | $25 each |
ACH Service (payroll) | $15/Month | $15/Month | $15/Month |
Returned Deposit Item | $5 each | $5 each | $5 each |
Overdraft Protection Transfer | $5 each | $5 each | $5 each |
NSF (non-sufficient funds) | $26 each | $26 each | $26 each |
Premium Overdraft | $26 each | $26 each | N/A |
Balance | # Cleared free | # Deposited free |
---|---|---|
$0 - $4,999 | 100 | 100 |
$5,000 - $24,999 | 150 | 150 |
$25,000 - $49,999 | 200 | 200 |
$50,000 + | 250 | 250 |
Description | Fee/Charge |
---|---|
Items cleared* (after 6 preauthorized, automated or check withdrawals) | $5 each |
Items deposited** | $0.12 after 50 items |
Description | Fee/Charge |
---|---|
Items cleared* - Business Money Market (after 6 preauthorized, automated or check withdrawals) | $5 each |
Items deposited** - Business Money Market | $0.12 after 50 items |
Description | Fee/Charge |
---|---|
Cashier's Check Fee | $1 each |
Certified Check Fee | $3 each |
Invalid Address Fee | $5/month |
Levy/Garnishment Fee | $20 each |
Money Order Fee | $1 each |
Photo Copies/Fax Fee |
Photo copies: $0.15 each after 3 pages
Fax: $1 each
|
Safe Deposit Boxes | 3x5 - $20, 3x10 - $28, 5x5 - $25, 5x10 - $35, 10x10 - $50 |
Stop Payment Fee
(checks, electronic)
|
$20 each |
Escheatment Fee
Unclaimed account processing fee (if dormant 4.5 years)
|
$100 each |