SAVINGS ACCOUNT RATES AND TERMS | LOAN RATES <

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES 

Rate Information: The Dividend Rate and Annual Percentage Yield on your share accounts may change monthly as determined by the Credit Union board of Directors.  The actual Annual Percentage Yield may be less depending on account activity.

Payment of Dividends: The Credit Union Board of Directors declares dividends based on the Credit Union’s current income and available earnings after providing for the required reserves.  The Dividend Rate and Annual Percentage Yield are not guaranteed.  Dividends will be credited and compounded on a monthly basis.  Dividends will begin to accrue on the business day you deposit cash and non-cash items (e.g. checks) to your share account or on the day the Credit Union receives provisional credit for collection items.

Balance Information: The minimum balance required to open each account, is set forth above.  On Daily Balance Share Accounts, dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day.  If an account becomes negative any day during the dividend period, dividends are forfeited.

Transaction Limitations: The account transaction limitations for each account are set forth above.  For cash withdrawals in excess of $1,000, the Credit Union requires (3) business day’s notification.

Account Limitations: You may make up to (6) six pre-authorized automatic or telephone transfers from theses accounts per month.  Of the (6) six, no more than (3) three transfers may be to another account of yours, to a third party, or to the Credit Union.  If you exceed these limitations, your account may be closed.

Effects of Closing a Share Account: Accrued but not credited dividends will not be paid if a Share Account is closed prior to the time dividends are credited.

LOAN RATES

• NEW VEHICLES
• USED VEHICLES
• RECREATIONAL VEHICLES
• MOBILE HOMES
• FIXED SECOND MORTGAGES
• VISA CLASSIC CARDS
• PERSONAL LOANS
• REDI-CASH LINE OF CREDIT
• SHARE SECURED

NEW VEHICLES
New vehicle loans include automobiles, trucks, sport utility vehicles and motorcycles. The credit union finances 100% of the dealer's invoice up to 72 months. New vehicles are current year model with less than 6000 miles. This list includes new automobiles and motorcycles.