Rates

Rates current as of 5/1/2017

Kasasa Cash Checking

Balance

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Min Daily Balance

See full disclosures

$0 – $10,000 (Qualified rate)

2.96

3.00

$25

$10,000.01 + (Qualified rate)

0.25

0.25

$25

Base Rate (non-qualified rate)

0.05

0.05

$25

Learn more about Kasasa Cash

Premium Checking

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Min Daily Balance

Truth in Savings Disclosures

NA

NA

$25

Learn more about Premium Checking

Share Savings

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Min Daily Balance

*The minimum balance required to earn dividends
Truth in Savings Disclosures

Primary Share Savings

0.05

0.05

$5

$25*

Secondary Savings

0.05

0.05

--

--

Learn more about Share Savings

Kasasa Saver

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Min Daily Balance

See full disclosures

$0 – $10,000 (Qualified rate)

1.49

1.50

$5

$10,000.01 + (Qualified rate)

0.25

0.25

$5

Base Rate (non-qualified rate)

0.05

0.05

$5

Learn more about Kasasa Saver

Money Market

Balance

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Min Daily Balance

*The minimum balance required to earn dividends
See full disclosures

$0 – $9,999.99

0.10

0.10

$2,500

$2,500*

$10,000 – $49,999.99

0.10

0.10

$2,500

$2,500*

$50,000 – $99,999.99

0.15

0.15

$2,500

$2,500*

$100,000 – $249,999.99

0.25

0.25

$2,500

$2,500*

$250,000 +

0.34

0.35

$2,500

$2,500*

Learn more about Money Market Accounts

Savings IRA

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Min Daily Balance

*The minimum balance required to earn dividends
Truth in Savings Disclosures

0.10

0.10

$25

$100*

Learn more about IRAs

Certificate Accounts & IRA Certificates

Certificate Accounts

Balance

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Dividend Compounded and Credited

Truth in Savings Disclosures

6 Month Certificate

$500 – $74,999.99

0.20

0.20

$500

 

Monthly

$75,000 +

0.20

0.20

$500

Monthly

12 Month Certificate

$500 – $74,999.99

0.25

0.25

$500

Monthly

$75,000 +

0.25

0.25

$500

Monthly

18 Month Certificate

$500 – $74,999.99

0.30

0.30

$500

Monthly

$75,000 +

0.30

0.30

$500

Monthly

 24 Month Certificate

$500 – $74,999.99

0.50

0.50

$500

Monthly

$75,000 +

0.50

0.50

$500

Monthly

36 Month Certificate

$500 – $74,999.99

0.80

0.80

$500

Monthly

$75,000 +

0.80

0.80

$500

Monthly

48 Month Certificate

$500 – $74,999.99

0.85

0.85

$500

Monthly

$75,000 +

0.85

0.85

$500

Monthly

60 Month Certificate

$500 – $74,999.99

1.00

1.00

$500

Monthly

$75,000 +

1.00

1.00

$500

Monthly

Add-On Certificate Rates

Add-On Certificates

Balance

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Dividend Compounded and Credited

Truth in Savings Disclosures

Holiday Club Certificate
(matures November 1)

up to $10,000 maximum balance

0.15

0.15

$5.00

Monthly

Tax Saver Certificate
(matures November 1)

up to $10,000 maximum balance

0.15

0.15

$5.00

Monthly

Money Builder Certificate
(12-Month Term)

up to $10,000 maximum balance

0.15

0.15

$10.00

Monthly

Easy Saver Certificate
(12-Month Term)

0.15

0.15

$10.00

Monthly

Learn more about Certificate Accounts

Rates current as of 5/1/2017

Autos & Motorcycles (New & Used)

Term

Annual Percentage Rate

Loan to Value*

Rate Adjustment

Below 80%

-0.5%

81%-100%

Base

101% & Above

+0.5%

*Value = sales price or KBB Retail/MSRP for new, whichever is less

Additional Adjustments

Rate Adjustments

No Automatic Payment

+0.25%

Resource Rewards

-0.25%

Green Auto

-0.25%

Mileage above 125,000 miles

+1%

Floor Rate is 2.49%
Minimum loan amounts per term: 60 months is $5,000; 27 months is $10,000; 84 months is $15,000

Standard (60 months or less)

2.99% – 15.49%

Extended (61-84 months)

3.99% – 16.49%

Reduced Payment Auto Loan (60 months or less)

3.99% – 7.99%

Learn more about Auto & Motorcycle Loans

Boats, RVs & Travel Trailers (New & Used)

Term

Annual Percentage Rate

Loan to Value*

Rate Adjustments

Below 80%

-1%

81%-90%

-0.5%

91%-100%

Base

101%-110%

+0.5%

111%-120%

+1%

*Value = sales price or NADA Retail/MSRP for new, whichever is less

Additional Adjustments

Rate Adjustment

No Automatic Payment

+0.25%

Resource Rewards

-0.25%

Mileage above 125,000 miles

+1%

Floor Rate is 2.49%
Minimum loan amounts per term: 60 months is $5,000; 27 months is $10,000; 84 months is $15,000; 96 months is $20,000; 144 months is $50,000

60 months or less

2.99% – 15.49%

61-84 months

3.99% – 16.49%

85-108 months

5.99% – 14.99%

109-144 months

6.99% – 15.99%

Learn More About Boat & RV Loans

Bike Loan

Term

Annual Percentage rate

$350 min, $2500 max loan amount
New purchases

Up to 12 months

7.50% – 17.75%

Learn more about bike loans

ATVs, Snowmobiles, Personal Watercraft (New & Used)

Term

Annual Percentage Rate

Up to 100% LTV

Up to 24 months

5.50% – 17.00%

25-36 months

5.75% – 17.25%

37-48 months

6.00% – 17.50%

Learn more about ATV, snowmobile, and personal watercraft loans

Rates current as of 8/1/2017

Floating Home Loan

Term

Annual Percentage Rate

1% loan origination fee
Member pays third party closing costs
Purchase or refinance

15 year

4.75% – 6.25%

7 year balloon 

(30 year amortization)

4.25% – 5.75%

Learn more about floating home loans

Home Equity Loan – 1st Lien

Term

Annual Percentage Rate

Refinance your existing mortgage
.75% loan origination fee
Member pays third party closing costs
Up to 90% LTV

15 year

4.00% – 5.00%

7 year balloon
(30 year amortization)

3.375% – 4.875%

Learn more about a Home Equity Loan

Home Equity Loan – 2nd Lien

Term

Annual Percentage Rate

Members pays third party closing costs
Up to 100% LTV

10 years

5.25% – 8.25%

15 years

5.75% – 8.75%

Learn more about a Home Equity Loan

Home Equity Line of Credit

Term

Annual Percentage Rate

Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 3.75% floor; 18% ceiling.

Member pays third party closing costs

15 year amortization

3.75% – 8.25%

10 year draw

Variable

Learn more about a Home Equity Line of Credit

Rates current as of 8/1/2017

Platinum Rewards Visa Credit Card

Annual Percentage Rate

Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 18% ceiling.

Earn ScoreCard Rewards points

Purchases and Cash Advance

9.25% – 18.00% Variable

Balance Transfers

6.25% – 16.25% Variable

Learn More About Visa Platinum Rewards Credit Cards

Personal Loan

Term

Annual Percentage Rate

Up to 48 months

8.00% – 17.75%

Learn more about personal loans

Flexline Personal Line of Credit

Term

Annual Percentage Rate

Repayment is $25 per $1000 (or any portion thereof) of the outstanding balance at the time of the last advance

Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 18% ceiling.

Revolving

10.25% – 18.00%
Variable

Learn more about Flexline personal lines of credit

Share, Money Market & Certificate Secured Loans

Annual Percentage Rate

No credit report required

Help build credit history

Share and Money Market Secured

3.50% above the dividend rate
Variable

Certificate Secured

3.50% above the certificate rate

Rates current as of 5/1/2017

Business Savings & Checking Account Rates

Business Savings & Checking

Dividend Rate

APY*

Min Opening Balance

Min Daily Balance

Min Balance to Avoid Fee

Monthly Fee if Below Minimum

*Annual Percentage Yield
**The minimum balance required to earn interest

Dividend Compounded and Credited on a monthly basis. Dividend period is monthly.

Truth in Savings Disclosures

Business Savings

.10

.10

$5

$5**

---

---

Business Money Market
$2,500 – $9,999.99
$10,000 – $49,999.99
$50,000 – $99,999.99
$100,000 – $249,999.99
$250,000 +


0.10
0.10
0.15
0.25
0.34


0.10
0.10
0.15
0.25
0.35

 

 

 

$2,500

 

 

 

$2,500**

 

 

 

---

 

 

 

---

Business Checking
$0.00 – $2,499.99
$2,500 – $9,999.99
$10,000 – $49,999.99
$50,000 – $99,999.99
$100,000 – $249,999.99
$250,000 +


0.05
0.05
0.05
0.05
0.05
0.15


0.05
0.05
0.05
0.05
0.05
0.15

 

 

 

$100

 

 

 

---

 

 

$2500 Average Daily Balance

 

 

 

$5

Learn more about business accounts

Business Certificate Accounts

Certificate Accounts

Balance

Dividend

APY*

Min Opening Balance

Dividend Compounded and Credited

*Annual Percentage Yield
Truth in Savings Disclosures

6 Month Certificate

$500 - $74,999.99

0.20

0.20

$500

Monthly

$75,000 +

0.20

0.20

$500

Monthly

12 Month Certificate

$500 - $74,999.99

0.25

0.25

$500

Monthly

$75,000 +

0.25

0.25

$500

Monthly

18 Month Certificate

$500 - $74,999.99

0.30

0.30

$500

Monthly

$75,000 +

0.30

0.30

$500

Monthly

24 Month Certificate

$500 - $74,999.99

0.50

0.50

$500

Monthly

$75,000 +

0.50

0.50

$500

Monthly

36 Month Certificate

$500 - $74,999.99

0.80

0.80

$500

Monthly

$75,000 +

0.80

0.80

$500

Monthly

48 Month Certificate

$500 - $74,999.99

0.85

0.85

$500

Monthly

$75,000 +

0.85

0.85

$500

Monthly

60 Month Certificate

$500 - $74,999.99

1.00

1.00

$500

Monthly

$75,000 +

1.00

1.00

$500

Monthly

Business Fee Schedule

General Services

Fee

GENERAL ACCOUNT

Account Activity Research (per hour minimum)

$25.00

Bad Address on Statement (per statement)

$5.00

Cashier’s Check

$5.00

Duplicate Member Statement / Inquiry Printout

$4.00

Fax Transmission – Domestic (per page)
Fax Transmission – International (per page)

$1.00
$5.00

Collection Items

$40.00

IRS Levy/Garnishments

$50.00

Money Orders (each)

$3.00

FOREIGN

Canadian Checks

$15.00

Foreign Bank Drafts (foreign currency)

$30.00

Foreign Bank Drafts (US dollars)

$15.00

Foreign Bank Draft Stop Payment (each)

$32.00

Other Foreign Checks with Foreign Denomination

$6.00

Other Foreign Checks with US Dollars / Third World Foreign Checks

$21.00

BOND

Bond/Coupon Returned Item Fee

$45.00

Bond/Coupon Envelopes

$20.00 per envelope

Municipal Bond Collection Fee

$60.00

Redemption of US Savings Bonds (each)

$1.00 each / $5.00 minimum charge

TRANSFER/WIRE

Wire Transfers (incoming)

$10.00

Wire Transfers (outgoing domestic)

$20.00

Wire Transfers (outgoing international)

$40.00

Western Union Cash Transfer – domestic (up to $10,000)

$30.00

Checking & Savings Accounts

Fee

Business Checking (per month if average daily balance falls below $2,500)

$5.00

BillPay (monthly)

$12.00

Cancellation of Stop Payment

$5.00

NSF Second-Party Check

$25.00

Non-Sufficient Funds (NSF) Fee (Paid or Returned)

$30.00

Overdraft Protection Transfer

$3.00

Photocopy of Paid Member Check or CU-Issued Check

$3.00

Per Cleared Check Fee
(First 50 free per month; per cash withdrawal after first 20)
(coin order over $100)

$0.25
$3.00

Per Cash Deposit (First 20 free per month; per deposit after first 20)

$0.25

Per Check Deposit (First 20 free per month; per deposit after first 20)
(per deposit with over 100 checks)

$0.25
$3.00

Stop Payment Order

$28.00

ATM Services

ATM Card – Replacement Card

$6.00

PIN Request

$6.00

Miskeyed ATM Deposits – Each

$10.00

ATM Withdrawals – First 8 free per calendar month; each additional)

$1.50

Effective February 1, 2016

Fee Schedule

General Account

Fee

*Inactive/Dormant fees not charged on accounts with $200 or more on deposit.

NSF = Non-Sufficient Funds
ACH = Automated Clearing House

Account Activity Research (per hour minimum)

$25

Bad Address on Statement (per statement)

$5

Cashier’s Check

$5

Duplicate Member Statement / Inquiry Printout

$4

Fax Transmission – Domestic (per page)
Fax Transmission – International (per page)

$1
$5

Collection Items

$40

IRS Levy/Garnishments

$50

Money Orders (each)

$3

FOREIGN

Canadian Checks

$15

Foreign Bank Drafts (foreign currency)

$30

Foreign Bank Drafts (US dollars)

$15

Foreign Bank Draft Stop Payment (each)

$32

Other Foreign Checks with Foreign Denomination

$6

Other Foreign Checks with US Dollars / Third World Foreign Checks

$21

Foreign Transaction Fee for any card transaction made in a foreign country

1% of the transaction amount

BOND

Bond/Coupon Returned Item Fee

$45

Bond/Coupon Envelopes

$20 per envelope

Municipal Bond Collection Fee

$60

TRANSFER/WIRE

Wire Transfers (incoming)

$10

Wire Transfers (outgoing domestic)

$20

Wire Transfers (outgoing international)

$40

Western Union Cash Transfer – domestic (up to $10,000)

$30

Checking & Savings Accounts

Account Reconcilement (per hour minimum)

$25

Account Reopening Fee

$25

Cancellation of Stop Payment

$5

Check Withdrawal (for checks we make out on your behalf)

$3

Courtesy Pay Fee

$30

Dormant Account Fee – Per Month (no activity for 18 months)

$5*

Inactive Checking Account Fee – Per Month (no activity for 90 days)

$5*

Investor Checking (per month if average daily balance falls below $2500)

$6

NSF Second-Party Check

$25

Non-Sufficient Funds (NSF) Fee (Paid or Returned)

$30

Overdraft Protection Transfer

$3

Photocopy of Paid Member Check or CU-Issued Check

$3

Single Service Fee (Share Savings Only Below $100) per month

$10

Stop Payment Order

$28

Temporary Checks (first 4 free)

$2 per sheet of 4

ATM Services

ATM Card – Replacement Card

$6

Miskeyed ATM Deposits – Each

$10

Loans

Check/Card by phone payment

4%

Real Estate Payoff Quote

$30

Subordination Fee

$150

Skip Pay

$35