Rates & Fees

FOR COMPLETE LISTING OF FEES PLEASE GO TO TRUTH IN SAVINGS DISCLOSURE

LENDING RATES

TERM

APR*

NEW VEHICLES 2022 TO CURRENT AS LOW AS:

UP TO 60 MONTHS

5.99%

UP TO 72 MONTHS

6.74%

84 MONTHS

7.49%

USED VEHICLES 2021 AND OLDER AS LOW AS

UP TO 60 MONTHS

6.49%

UP TO 72 MONTHS

7.24%

84 MONTHS

7.74%

RVs, BOATS & MOTORCYCLES

UP TO 60 MONTHS

7.24%

UP TO 84 MONTHS

7.74%

120 MONTHS

8.99%

MORTGAGE LOANS

CALL FOR CURRENT RATES

*APR = Annual Percentage Rate Additional rates & terms available. Ask for details. Rates shown are the lowest available rates for the listed terms and include program discounts as of 10/24/2022. Rates & terms are subject to change. All loans subject to approval of credit. Actual rate is determined based upon credit history and loan amount.

DEPOSIT Rates

APY**

SAVING

0.10%

CHECKING

0.05%

MONEY MARKET

0.70%

KIDS FIRST SAVINGS

0.10%

HOLIDAY CLUB

0.25%

IRA SAVINGS ACCOUNT

0.25%

EDUCATIONAL IRA SAVINGS

1.00%

CERTIFICATE ACCOUNTS

CALL FOR CURRENT RATES

**APY = Annual Percentage Yield
Eco Free & Basics 1st Checking do not earn dividends. 1st Class & 1st Priority Checking dividends are earned for periods where minimum balance of $500 is maintained. Rates & terms are subject to change. Money Manager Accounts require minimum balance to earn stated dividend rate. All APYs are accurate as of 05/11//2023.
‡Money Market Promo: See member promotions for details.

Saving Account Fees

SAVINGS ACCOUNT INACTIVE ACCOUNT FEE

$5 PER MONTH
(No activity for more than 12 months*).

HOLIDAY CLUB EARLY WITHDRAWAL FEE

 

$10 PER WITHDRAWAL

*Excludes Members 18 and under

CHECKING ACCOUNT FEES

COURTESY PAY FEE

$30 PER ITEM

NSF FEE

$30 PER ITEM

RETURNED ITEM FEE

$30 PER ITEM

STOP PAYMENT FEE

$10 PER REQUEST

CHECK PRINTING FEE

PRICES VARY DEPENDING ON STYLE

OVERDRAFT TRANSFER FEE

$5 PER TRANSFER

CHECK COPY FEE

$1 PER COPY

1ST CLASS CHECKING MONTHLY SERVICE FEE

$5 PER MONTH
(If minimum balance is not maintained)

1ST PRIORITY CHECKING MONTHLY SERVICE FEE

$7 PER MONTH

ECO FREE CHECKING MONTHLY SERVICE FEE

$5 PER MONTH
(If eStatements are not activated)

CHECKING ACCOUNT INACTIVE ACCOUNT FEE

$5 PER MONTH
(No activity from one to three years)*

*Excludes Members 18 and under

MONEY MARKET ACCOUNT FEES

NSF FEE

$30 PER ITEM

RETURNED ITEM FEE

$30 PER ITEM

STOP PAYMENT FEE

$10 PER ITEM

MONEY MARKET CHECK PRINTING FEE

Prices vary depending on style

CHECK COPY FEE

$1 PER COPY

OTHER SERVICE FEES (APPLICABLE TO ALL ACCOUNTS)

ACCOUNT RECONCILIATION FEE

$20 PER HOUR

ACCOUNT RESEARCH FEE

$20 PER HOUR

STATEMENT COPY FEE

$1.50 PER COPY

RETURNED ITEM FEE

$30 PER ITEM

MONEY ORDER FEE*

$2 PER ORDER

CASHIER’S CHECK FEE*

$2 PER WITHDRAWAL
(No charge if check made payable to member)

CASHIER’S CHECK STOP PAYMENT FEE

$10 PER REQUEST (Only on lost/stolen).

FOREIGN CHECK PROCESSING FEE

$20 CANADIAN
(Others vary)

WIRE TRANSFER

$20 OUTGOING
NO CHARGE INCOMING

LEGAL ACTION FEES

$25 PER ITEM

LOAN MODIFICATION FEE

$25 PER OCCURRENCE

*Except 1st Priority Checking account holders.

ELECTRONIC FUNDS TRANSFER FEES

PROPRIETARY ATM WITHDRAWAL
(From a C1CU or CO-OP machine)

NO CHARGE

NON-PROPRIETARY ATM WITHDRAWAL/TRANSFERS
(From a non-C1CU or non-CO-OP machine)

$1 PER TRANSACTION

VISA DEBIT CARD REPLACEMENT FEE

$10 PER CARD
(No charge at reissue)

NSF FEE

$30 PER ITEM

VISA DEBIT FOREIGN TRANSACTION FEE

1% OF TRANSACTION
(Transaction amount in US $)

ACH STOP PAYMENT

$10 PER REQUEST

OVERDRAFT TRANSFER FEE

$5 PER ITEM

COURTESY PAY FEE

$30 PER ITEM

BILLPAY INACTIVITY

$4.95 PER MONTH

BILLPAY FEES

$30.00 OVERNIGHT CHECK PAYMENT

SAFE DEPOSIT BOX FEES (ANNUAL RENTAL)

SIZE: 3” x 5”
5” x 5”
3” x 10”
5” x 10”
6” x 10”
10” x 10”

$20 ANNUALLY
$30 ANNUALLY
$35 ANNUALLY
$50 ANNUALLY
$50 ANNUALLY
$80 ANNUALLY

DRILLING FEE

AT COST (Approximately $250)
Equal Opportunity Act, and NCUA Insurance.