Effective May 1, 2008
|
Minimum Opening Deposit |
Minimum Balance to Earn Dividends | Term | Annual % Rate | Dividend Rate (APY)* |
Jumbo Rate** |
Jumbo Yield** |
Dividends Compounded & Credited |
| Prime Share 1 | $5 | $200 | -- | 0.748% | 0.75% | -- | -- | Quarterly |
| Life Savings2 | $0 | 0.499% | 0.50% | Quarterly | ||||
| SEVA Saves 7 | $1 | $1 | -- | 0.748% | 0.75% | -- | -- | Quarterly |
| Young Savers | $5 | $5 | -- | 0.748% | 0.75% | -- | -- | Quarterly |
| Health Saving | $1,000 | Dividends not paid. | ||||||
| Checking 3 | $15 with DDS -- $50 w/o DDS |
Dividends not paid. | N/A | N/A | N/A | N/A | N/A | N/A |
| Club Accounts 1 | $5 | $200 | -- | 0.748% | 0.75% | -- | -- | Quarterly |
| Money Market | $1,000 | $1,000 | -- | 1.441% | 1.45% | -- | -- | Monthly |
| Platinum Money Market 5 | $35,000 | -- | Tier 1 | Tier 1 | Tier 2 | Tier 2 | Monthly | |
| -- | .250% | .25% | 1.736% | 1.75% | ||||
| Platinum Plus Money Market 6 | $50,000 | -- | -- | .250% | .25% | 2.227% | 2.25% | Monthly |
| Business Shares | $25 | $200 | 0.748% | .75% | Quarterly | |||
| Business Money Market | $1,000 | $1,000 | 1.441% | 1.45% | Monthly | |||
| Business Share Draft High Volume | $0 | Dividends not paid. | ||||||
| Business Share Draft Interest | $1,000 | 0.499% | .50% | Monthly | ||||
| IRA Share Account | $100 | $200 | -- | 0.996% | 1.00% | -- | -- | Quarterly |
| Add-On Certificate4 | $200 | $200 | 12 mos. | 0.996% | 1.00% | -- | -- | Quarterly |
| Certificate8 | $1,000 | $1,000 | 6 mos. | 1.884% | 1.90% | 2.080% | 2.10% | Monthly |
| $1,000 | $1,000 | 12 mos. | 2.374% | 2.40% | 2.570% | 2.60% | Monthly | |
| $1,000 | $1,000 | 24 mos. | 2.716% | 2.75% | 2.911% | 2.95% | Monthly | |
| $1,000 | $1,000 | 36 mos. | 2.960% | 3.00% | 3.154% | 3.20% | Monthly | |
| $1,000 | $1,000 | 60 mos. | 3.105% | 3.15% | 3.397% | 3.45% | Monthly | |
| IRA Certificate8 | $1,000 | $1,000 | 6 mos. | 1.887% | 1.90% | 2.084% | 2.10% | Quarterly |
| $1,000 | $1,000 | 12 mos. | 2.379% | 2.40% | 2.575% | 2.60% | Quarterly | |
| $1,000 | $1,000 | 24 mos. | 2.722% | 2.75% | 2.918% | 2.95% | Quarterly | |
| $1,000 | $1,000 | 36 mos. | 2.960% | 3.00% | 3.154% | 3.20% | Quarterly | |
| $1,000 | $1,000 | 60 mos. | 3.114% | 3.15% | 3.406% | 3.45% | Quarterly |
1 $200 minimum balance for dividends
2 Grandfathered LIfe Savings Account. No deposits taken, account to be closed if withdrawal brings balance below $2,000
3 Share Draft/Checking - requires an initial deposit of $15 with DDS or $50 without DDS
4 $10.00 a month minimum deposit. SEVA Saves annual bonus dividend of .25% on first $500 if monthly deposit requirement and no more than three withdrawals in a calendar year are met.
5 Platinum Money Market Tier 1 $0-34,999.99 Tier 2 $35,000+
6 Platinum Plus Money Market Tier 1 $0-49,999.99 Tier 2 $50,000+
7 Minimum monthly deposit $10.00, annual bonus dividend of 0.25% on first %500.00 if monthly deposit requirement and no more than three withdrawals in a calendar year are met.
*ANNUAL PERCENTAGE YIELD (APY). The dividend rate and APY were accurate as of the effective date above. Penalties for early withdrawal of certificates may apply. Rates are subject to change without notice.
** JUMBO RATE for $20,000.00 and up.
Your savings federally insured to $100,000.00 by National Credit Union Administration, a U.S. Government agency. IRA separately insured up to $250,000.00.
Loan Rates
| Loan Product | Annual Percentage Rate |
| New Vehicle, Boat, RV Loan ** | 4.50% - 18.00% |
| Used Vehicle, Boat, RV Loan ** | 5.74% - 18.00% |
| Personal Loan ** | 7.99% - 18.00% |
| Share Secured Loan * | 2.00% above current dividend rate |
| MasterCard Classic - Min $500* | 9.49% - 18.00% |
| VISA Platinum Rate - Min $500 * | 7.99% - 18.00% |
| VISA Platinum Reward - Min $500 * | 9.49% - 18.00% |
| Sharedraft/Overdraft Line of Credit ** | 7.99% - 18.00% |
Click here to review our Mortgage Rates.
*See page two for fees and disclosures.
** Rates effective 05/01/08.
Fee Schedule
| Savings Account | |
| IRA Rollover or Transfer (Before Age 59 1/2) | $25.00 |
| IRA Full or Partial Withdrawal (Before Age 59 ½) | $25.00 |
| Reopen Primary Account | $15.00 |
| Single Service Account (less than $500.00, per month) | $5.00 |
| Inactive Account (After 12 months, per month) | $15.00 |
| Checking Account | |
| Check Copy | $5.00 |
| Balance Account ( per hour charge,1 hour minimum charge) | $20.00 |
| Overdrawn Account | $27.00 |
| Courtesy Pay | $27.00 |
| Stop Payment | $27.00 |
| Check Printing | Price Varies |
| Electronic Funds | |
| ATM Transactions (Non-ABNBFCU Machines) | $1.25 |
| ATM Overdraft | $27.00 |
| ATM Research | $25.00 |
| Card Replacement ( ATM, Visa Check, Mastercard, Visa Gold) | $5.00 |
| Other Service | |
| Cashiers Check | $5.00 |
| Returned Item (Deposited or Cashed) | $10.00 |
| Copy of Deposited Item | $5.00 |
| Copy of Statement | $5.00 |
| Interim Statement (per month fee) | $3.00 |
| Money Orders | $1.00 |
| Money Wire Transfers | $10.00 |
| Western Union Wire (Fee varies with amount) | $19.50 minimum |
| Traveler’s Checks (single signature) | $1 per $100.00 |
| Account Research (per hour charge, 1 hour minimum charge) | $20.00 |
| Living Claim (Life Insurance) | $25.00 |
Fax Service (Fee varies with # of pages and destination) |
$1.00 minimum |
| Bulk coin processing | 2% of coin value |
General Loan Disclosures
* ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 20% of interest due on payments 20 or more days late. On mortgage loans a modification fee of 0.75% and closing costs may apply. Some restrictions apply. Rates are subject to change without notice.
Credit Card Disclosures
* ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). Lines of Credit are subject to approval. We reserve the right to periodically review your account which may result in your interest rate being changed. Please refer to your "Important Information About Your Credit Cards" for further explanation.
** A Performance APR of 18.00% will be imposed on the total balance if your account becomes 2 times 30 days past due or 1 time 60 day past due in the current and preceding 11 months.
Changes to This Plan: We reserve the right to change any and all of the terms of this agreement. For example, we can change the type and amount of the fees we charge, the interest rate, and the minimum payment amount, as well as the other features of this plan. Single Service User
Members who have only one service (share/savings account) and whose average monthly balance is less than $500 will be assessed a fee of $5.00 each month. Youth accounts regardless of balance are exempt from this fee. SEVA Savers are exempt from this fee for the first 18 months their accounts are opened.
Any household member or joint owner of an account of a member who maintains more than one account with the credit union is exempt from this fee. A household is defined as any member or joint owner of an account sharing the same mailing address as another member.
