| | Serving Our Membership Since 1968
Rates Effective as of 01/01/06
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| Share/Savings Accounts | | | | | Club Accounts | |
| | Christmas Club | 1.00 Div. Rate | 1.01 APY * | | restrictions apply | | | | | Share Accounts | |
| | Minor Share | 1.00 Div. Rate | 1.01 APY * | | Custodial Share | 1.00 Div. Rate | 1.01 APY * | | Regular Share | 1.00 Div. Rate | 1.01 APY * | | | | | Share Savings | |
| | IDA Education Accounts | 1.00 Div. Rate | 1.01 APY * | | restrictions apply | | IDA Microenterprise Accounts | 1.00 Div. Rate | 1.01 APY * | | restrictions apply | | | Your savings federally insured to $100,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency. | | |
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| Loan Accounts | | | | | Unsecured Loans (Signature) | |
| | Signature Loan | 13.00% APR | 12 to 48 months | | | | | Share-Secured Loans | |
| | 25% Secured Loan | 10.00% APR | 24 to 48 months | | 50% Secured Loan | 9.00% APR | 24 to 48 months | | 75% Secured Loan | 8.00% APR | 24 to 48 months | | 100% Secured Loan | 5.00% APR | 24 to 60 months | | |
All Rates Are Subject To Change Without Notice. | | |
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| Fees & Disclosures | | | | | Deposit Account Fees | | | | Effective as of January 01, 2006 | | |
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| | Membership Fee | $1.00 | | Over Withdrawal Limit | $1.00 | | Return Check Fee | $5.00 | | Closed Account Fee | $5.00 | | | | | Loan Account Fees | |
| | Loan Application Fee | $12.00 | | Loan Late Fee | $10.00 | | Loan Extension Fee | $5.00 | | Loan Term Change | $5.00 | | Returned Payment | $5.00 | | 100% Secure Loan, No App. Fee | 0.00 | | | | | Miscellaneous Fees | |
| | Copy of Statement | $1.00 per page | | Legal Fees | $38.00 | | Other Legal Fees | $50.00 | | Money Order Fee | 1.75 each | | Wire Incoming | 2.00 | | Wire Outgoing (Domestic) | 7.00 | | Wire Outgoing ( International) | 25.00 & up | | |
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