Rates and Fees

Dividend Rates

  • Dividends on share accounts are established quarterly by the Board of Directors.
  • Dividends are computed on the average daily balance and paid quarterly.
Share Savings $5.00 - $4,999.99 .
Annual Percentage Rate 0.15%
Annual Yield Rate 0.15%
Share Savings $5000.00 - $19,999.99 .
Annual Percentage Rate 0.15%
Annual Yield Rate 0.15%
Share Savings $20,000.00 - $49,999.99 .
Annual Percentage Rate 0.15%
Annual Yield Rate 0.15%
Share Savings Over $49,999.99 .
Annual Percentage Rate 0.35%
Annual Yield Rate 0.35%
Share Certificate $500.00 and up .
Annual Percentage Rate Please call for current rates.
Annual Yield Rate Please call for current rates.

Loan Rates

  • Loan rates are subject to change without notice.
  • Loan rates can be as low as the following, based on the FICO score on your credit report as assigned by the credit bureau. For additional rate information contact the credit union office at (309) 692-8257.
New Auto .
Annual Percentage Rate* 1.75%
Maximum Term 72 Months
Used Auto 3-4 years old .
Annual Percentage Rate* 1.85%
Maximum Term 72 Months
Used Auto 5-6 years old .
Annual Percentage Rate* 2.60%
Maximum Term 72 Months
Used Auto 7-10 years old .
Annual Percentage Rate* 4.35%
Maximum Term 72 Months
Used Auto 11-15 years old .
Annual Percentage Rate* 5.35%
Maximum Term 36 Months
New RV, Boat/Trailers up to 2 years old .
Annual Percentage Rate* 5.00%
Maximum Term 72 Months
New RV, Boat/Trailers up to 3-4 years old .
Annual Percentage Rate* 6.00%
Maximum Term 72 Months
New RV, Boat/Trailers up to 5-10 years old .
Annual Percentage Rate* 7.00%
Maximum Term 72 Months
New Motorcycles and ATVs .
Annual Percentage Rate* 6.00%
Maximum Term 72 Months
Used Motorcycles and ATVs 3-4 years old .
Annual Percentage Rate* 6.00%
Maximum Term 72 Months
Used Motorcycles and ATVs over 5 years old .
Annual Percentage Rate* 7.00%
Maximum Term 72 Months
Unsecured Loan .
Annual Percentage Rate* 6.75%
Maximum Term 60 Months
Higher Education .
Annual Percentage Rate* 4.75%
Maximum Term 60 Months
Revised on 06/01/2020
*If non-sufficient funds check was a loan payment, fee must be paid or it will be taken out of next loan payment.

Fees

Effective 1/1/2021

Share Savings Account

Fee

A.C.H. Return

$30.00

Dormant Account
(12 consecutive months no activity)

$5.00/mo.

Membership Penalty
(Closed within 180 days of opening)

$15.00

Teller Check
(2 free per month)

$2.00

Wire Out

$30.00

ATM/Debit Card

Fee

ATM Withdrawl
(10 free per month)

$1.00

Debit Card Replacement

$5.00

Debit Card Documentation

$10.00

Debit Card Recovery

$65.00

Share Draft Account

Fee

Courtesy Pay

$30.00

Draft Copy
(3 free per month)

$5.00

Overdraft Transfer
(Minimum of $50.00)

$3.00

Return Deposit Check

$30.00

Loan

Fee

Skip Pay Pay

$35.00

Miscellaneous

Fee

Check Register Balancing and Record Retrieval
(by appointment)

$20.00/hour

Non-Sufficient Funds

$30.00*

Notary Service

Free

Return Mail for Incorrect Address

$3.00

Statement Copy

$5.00

We would like to take the time to remind you that, under the Regulation D of Share Accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month, and no more than three (3) of these (6) transfers may be made by check, draft or debit card to a third party. If you exceed these limitations, and you have courtesy pay then you have a total of five hundred dollars ($500) until items are returned. If you do not have courtesy pay your items will be returned and you will have a thirty dollar ($30) NSF Check fee. Also there is a possible closing of your Share Draft account if the limit is exceeded.
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