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Rates & Fees

Rates - Last Dividend Declaration Date: 01/15/14
Savings & Transaction Accounts Dividend Rate Annual Percentage Yield
Share Account .10% .10%
Christmas Club Account .05% .05%
Kick Account .05% .05%
Share Loan Account .05% .05%
Individual Retirement Account
 For amounts up to $4999
 For amounts over $5000

.40%
.55%

.40%
.55%
Roth IRA Account
 For amounts up to $4999
 For amounts over $5000

.90%
.55%

.90%
.55%
Checking Account .10% .10%
Time Accounts   Dividend Rate Annual Percentage Yield
Share Certificate 90 Days .20% .20%
  6 Months .25% .25%
  12 Months .35% .35%
  24 Months .50% .50%
  36 Months .70% .70%
IRA, Traditional IRA, Roth IRA and Coverdell Education Savings Account 24 Months .90% .90%
  36 Months 1.00% 1.00%
Loan Rates  
New Vehicles as low as 2.90%
Used Vehicles as low as 7.00%
Signature Loans as low as 10.75%
Fee Schedule - effective 05/01/15
Account Reconciliation $5.00/hour One hour minimum
Account Research $5.00/hour One hour minimum
Statement Copy Fee $1.00/copy  
Deposited Item Return Fee $15.00/item  
Wire Transfer Fee (outgoing) $20.00/transfer  
Certified Check $2.00/check  
Money Order $2.00/money order  
Travelers Card $4.00/card Mimimum Loan $100. Up to $9999
Visa Gift Card $4.00/card Up to $500
Inactive Account Fee $3.00/month After one year and account under $50.00
Replace ATM Card $5.00/each  
Western Union $22.50/each  
Check Held for Collection $10.00/item  
Faxing $.50/page  
Duplicate Lien Release $5.00  
Garnishment Fee $10.00  
Loan Application Fee $10.00  

Fees are subject to change.