Rates & Fees

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


LENDING RATES

TERM

APR*

VEHICLES AS LOW AS:

UP TO 72 MONTHS

2.74%

84 MONTHS

3.24%

RVs, BOATS & MOTORCYCLES

UP TO 60 MONTHS

3.74%

84 MONTHS

4.24%

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 6/1/2017. Rates & terms are subject to change. All loans subject to approval of credit. Actual rate is determined based upon credit history and loan amount.

Share Rates

APY**

SHARE/SAVING

0.10%

SHARE DRAFT/CHECKING

0.05%

CLASSIC MONEY MANAGER

0.10%

MONEY MANAGER PLUS

0.15%

PREMIER MONEY MANAGER

0.20%

MONEY MARKET PROMO‡

0.60%

IRA SHARE ACCOUNT

0.15%

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 6/1/2017.
‡Money Market Promo: See member promotions for details.

Saving (Share) Account Fees

MEMBERSHIP SHARE

$5 PAR VALUE

SHARE ACCOUNT MINIMUM BALANCE FEE

$5 PER MONTH
(Single service-balance under $100)*

SHARE ACCOUNT INACTIVE ACCOUNT FEE

$10 PER MONTH
(No activity from one to
three years)*

EXCESS TRANSACTION FEE PER REG D

$20 PER ITEM

IRA SHARE ACCOUNT ANNUAL MAINTENANCE FEE

$10 PER YEAR

IRA SHARE ACCOUNT OPENING FEE

$5 PER ACCOUNT

IRA SHARE ACCOUNT PREMATURE WITHDRAWAL FEE

$10 PER WITHDRAWAL
(If prior to age 59.5)

IRA SHARE ACCOUNT CLOSURE FEE

$20 PER ACCOUNT

 

HOLIDAY CLUB EARLY WITHDRAWAL FEE

 

$15 PER WITHDRAWAL

*Excludes Members 18 and under

CHECKING (SHARE-DRAFT) ACCOUNT FEES

COURTESY PAY FEE

$30 PER ITEM

NSF FEE

$30 PER ITEM

RETURNED ITEM FEE

$25 PER ITEM

STOP PAYMENT FEE

$30 PER REQUEST

CHECK PRINTING FEE

PRICES VARY DEPENDING ON STYLE

OVERDRAFT TRANSFER FEE

$5 PER TRANSFER

DRAFT COPY FEE

$1 PER COPY
(After two [2] per month)

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)

SHARE ACCOUNT INACTIVE ACCOUNT FEE

$10 PER MONTH
(No activity from one to three years)*

*Excludes Members 18 and under

MONEY MANAGER ACCOUNT FEES

MONTHLY SERVICE FEE

$20 PER MONTH
(If minimum balance is not maintained)

NSF FEE

$30 PER ITEM

RETURNED ITEM FEE

$25 PER ITEM

STOP PAYMENT FEE

$30 PER ITEM

MONEY MANAGER CHECK PRINTING FEE

Prices vary depending on style

DRAFT COPY FEE

$1 PER COPY
(After two [2] per month)

EXCESS TRANSACTION FEE PER REG D

$20 PER ITEM

EARLY CLOSURE FEE

$20
(If closed within ninety [90] days)

OTHER SERVICE FEES (APPLICABLE TO ALL ACCOUNTS)

ON US NON-MEMBER CHECK REPLACEMENT FEE

5% OF FACE VALUE OR $5

ACCOUNT ESCHEATMENT FEE

$20 PER ACCOUNT

ACCOUNT RECONCILIATION FEE

$20 PER HOUR

ACCOUNT RESEARCH FEE

$20 PER HOUR

STATEMENT COPY FEE

$3 PER COPY

RETURNED ITEM FEE

$25 PER ITEM

MONEY ORDER FEE*

$2 PER ORDER

CASHIER’S CHECK FEE*

$3 PER WITHDRAWAL
(No charge if check made payable to member)

CHECK CASHING FEE**

5% OF FACE VALUE
(Min. $5 // Max. $50)

FOREIGN CHECK PROCESSING FEE

$20 CANADIAN
(Others vary)

WIRE TRANSFER

$20 OUTGOING
NO CHARGE INCOMING

LEGAL ACTION FEES

$35 PER ITEM

LOAN MODIFICATION FEE

$25 PER OCCURRENCE

*Except 1st Priority Checking account holders.
**Non-Members and members with savings under $100.

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 $)

STOP PAYMENT

$30 PER REQUEST

OVERDRAFT TRANSFER FEE

$5 PER ITEM

COURTESY PAY FEE

$30 PER ITEM

BILLPAY INACTIVITY

$4.95 PER MONTH

BILLPAY CHECK IMAGE

$10 EACH

BILLPAY FEES

$14.95 OVERNIGHT CHECK PAYMENT
$9.95 SAME DAY ELECTRONIC PAYMENT

A2A TRANSFERS

$2 PER TRANSFER OUTGOING
NO CHARGE INCOMING

POPMONEY TRANSACTION FEES
(Send or request money 3-day)

$0.50 ON AMOUNTS $1 - $249.99
$0.75 ON AMOUNTS $250 - $999.99
$1.50 ON AMOUNTS $1,000+
eGREETINGS ADD $0.25

POPMONEY TRANSACTION FEES
(Send money next-day)

$1 ON AMOUNTS $1 - $249.99
$1.50 ON AMOUNTS $250 - $999.99
$2 ON AMOUNTS $1,000+
eGREETINGS ADD $0.25

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
$40 ANNUALLY
$50 ANNUALLY
$50 ANNUALLY
$80 ANNUALLY