Rates
& Fees
Deposit Rates |
|
|
Rates as of March 1, 2010 and subject to change. |
| Money Market |
|
| Balances |
Dividend Rate |
APY |
| $0 - $2,499.00 |
0.00% |
0.00% |
| $2,500 - $9,999.99 |
0.19% |
0.19% |
| $10,000 - $24,999.99 |
0.24% |
0.24% |
| $25,000 - $49,999.99 |
0.29% |
0.29% |
| $50,000 - $99,999.99 |
0.34% |
0.34% |
| $100,000 -$249,999.99 |
0.39% |
0.39% |
| $250,000 and over |
0.44% |
0.44% |
| |
|
|
| Individual Retirement Share Account |
|
| Balances |
Dividend Rate |
APY |
| $0 - $24.99 |
0.00% |
0.00% |
| $25.00 - $4,999.99 |
0.24% |
0.24% |
| $5,000 - 9,999.99 |
0.29% |
0.29% |
| $10,000 - $24,999.99 |
0.34% |
0.34% |
| $25,000 - $49,999.99 |
0.39% |
0.39% |
| $50,000 and over |
0.44% |
0.44% |
| |
|
| Share/IRA Certificate Accounts |
|
| Term |
Minimum Deposit $500 |
Minimum Deposit $5,000 |
| |
Rate |
APY |
Rate |
APY |
| 90 days |
0.44% |
0.44% |
0.44% |
0.44% |
| 6 months |
0.75% |
0.75% |
0.75% |
0.75% |
| 12 months |
1.25% |
1.26% |
1.25% |
1.26% |
|
18 months |
1.60% |
1.61% |
1.60% |
1.61% |
| 24 months |
1.75% |
1.76% |
1.75% |
1.76% |
| 36 months |
2.35% |
2.37% |
2.35% |
2.37% |
| 48 months |
2.60% |
2.63% |
2.60% |
2.63% |
| 60 months |
2.75% |
2.78% |
2.75% |
2.78% |
|
Minor's Certificates |
Same Rate as $500 Certificate Account |
Minimum Deposit $250.00 |
| Share Savings |
Regular, Senior, Business & Trusts |
|
| Balances |
Dividend Rate |
APY |
| $500 - $2,499.99 |
0.05% |
0.05% |
| $2,500 - $9,999.99 |
0.10% |
0.10% |
| $10,000 - $24,999.99 |
0.25% |
0.25% |
| $25,000 - $49,999.99 |
0.30% |
0.30% |
| $50,000 and over |
0.35% |
0.35% |
| |
|
|
| Share Savings |
Minor,Teen,Custodial, |
& Hancock Saves |
| Balances |
Dividend Rate |
APY |
| $0.00 - $2,499.99 |
0.05% |
0.05% |
| $2,500 - $9,999.99 |
0.10% |
0.10% |
| $10,000 - $24,999.99 |
0.25% |
0.25% |
| $25,000 - $49,999.99 |
0.30% |
0.30% |
| $50,000 and over |
0.35% |
0.35% |
| |
|
|
| Club Accounts |
Christmas, Vacation & Special |
|
| Balances |
Dividend Rate |
APY |
| $100 - $2,499.99 |
0.05% |
0.05% |
| $2,500 - $9,999.99 |
0.10% |
0.10% |
| $10,000 - $24,999.99 |
0.20% |
0.20% |
| $25,000 - $49,999.99 |
0.25% |
0.25% |
| $50,000 and over |
0.35% |
0.35% |
| |
|
|
| Cruisin 55 Checking |
|
|
| Balances |
Dividend Rate |
APY |
| $0 - $499.99 |
0.00% |
0.00% |
| $500 and over |
0.10% |
0.10% |
| |
|
Loan Rates |
|
| Rates as of March 1, 2010 and subject to change. |
| Auto Loans |
Call 419.422.5626 for |
longer term rates |
| Model Year |
Rate |
Term |
| 2010-2008 vehicles |
As low as 6.75% |
up to 24 months |
| 2007-2005 vehicles |
As low as 7.75% |
up to 24 months |
| 2004-2002 vehicles |
As low as 8.75% |
up to 24 months |
| 2001 & older vehicles |
As low as 9.75% |
up to 24 months |
| |
|
|
| Motorcycles |
|
|
| Model Year |
Rate |
Term |
| All Model Years |
As low as 12.25% |
up to 72 months |
|
Rates are based on |
credit score |
|
| Recreational Vehicles |
|
|
| Model Year |
Rate |
Term |
| All Model Years |
As low as 12.25% |
up to 72 months |
|
Rates are based on |
credit score |
|
| Home Equity Line of Credit |
|
| |
Floor Rate is 4.00% |
|
| Loan to Value |
Rate |
Term |
| up to 70% LTV |
4.00% Prime Rate -0.5 |
up to 240 months |
| up to 80% LTV |
4.00% Prime Rate +0 |
up to 240 months |
|
|
|
| Signature Loans |
|
|
| |
Rate |
Term |
| Signature Loans |
As low as 13.25% |
up to 48 months |
| |
|
|
| Share Secured |
|
|
| |
Rate |
Term |
| Share Secured Loans |
Equal to Prime Lending Rate |
(with a floor rate of 4%) |
| Visa Credit Cards |
Rate |
|
| Classic |
15.9% |
|
| Platinum |
10.9% |
|
 |
 |
|
Effective January 1, 2010 |
|
| Cashier checks (One free per day) after 1 |
$ 1.00 each |
| Money orders |
$ 1.00 each |
| Wire transfer - international - outgoing |
$ 35.00 each |
| Wire transfer - international - incoming |
$ 35.00 each |
| Wire transfer - incoming |
$ 5.00 each |
| Wire transfer - outgoing |
$ 15.00 each |
Return of deposited check Business Account Personal Account |
$ 25.00 each $ 10.00 each
|
| Additional copies statements |
$ 5.00/stmnt |
| Account balancing assistance (2 free per year) |
$ 25.00/hour |
| ACH return for non-sufficient funds |
$ 35.00 each |
| ACH Origination Return Fee |
$ 35.00 each |
| ATM Surcharge (non members only) |
$ 2.00 each |
Stop Payment on Share Draft or ACH (share draft on web = $5) |
$ 15.00 each |
| Automatic Transfer from Overdraft Account |
$ 2.00 each |
| Copy of Share Draft (C.U. provided, internet is free) |
$ 10.00 each |
| Share Draft Returns for NSF |
$ 35.00 each |
| Share Draft/Check Printing |
Price May Vary |
| Return Mail Fee |
$ 5.00/item |
| Garnishments & Tax Levies |
$ 25.00 each |
| Christmas Club Early Withdrawal Fee |
$ 5.00 each |
| Loan Processing Fee (= 1% of amount borrowed) |
$ 75.00 max |
| Loan Late Payment Fee (= 10% of monthly payment) |
$ 50.00 max |
| Loan Application Fee (after 2 denials in 12 mo) |
$ 15.00 each |
| Home Equity Application Fee |
$150.00 each |
| Satisfaction of Mortgage Fee |
$ 50.00 each |
| Incoming/Outgoing Faxes |
$ 1.00/page |
| IRA Yearly Maintenance Fee (based on account value) |
$ 10.00 |
| IRA New Account Fee (based on account value) |
$ 5.00 |
| IRA Close Account Fee |
$ 25.00 |
| Visa Debit Card Dispute - Chargeback |
$ 25.00 each |
| Visa Debit International Service Assessment Fee |
1% amt of debit |
| Check Cashing (Account Rules Apply) |
$ 10.00/check |
| Foreign Check Deposit Fee |
$ 25.00/check |
| Account Re-Opened Fee (within 60 days of closing) |
$ 15.00 |
| ATM/Debit/Visa Card Replacement Fee |
$ 10.00 each |
| ATM/Debit Transaction Fee (Using non MACU owned machines) |
$ 1.00 each |
| Dormant Account Fee (no activity for 12 mos) |
$ 5.00/month |
| Cruisin 55 Checking Below Minimum Balance |
$ 5.00/month |
| Gap Insurance Policy (Loan Rules Apply) |
$225.00 |
| CarFax Report |
$ 29.99 |
| VSI Fee (Autos, RVs, & Boats only) |
$ 23.00/loan |
| VISA Credit Card Over Limit Fee |
$ 35.00/month |
| VISA Late Payment Fee |
$ 35.00/month |
| VISA Returned Payment Fee |
$ 35.00/month |
| VISA Credit International Service Assessment Fee |
3% trans. amt. |
| VISA Balance Transfer Fee |
1% transf. amt |
| VISA Balance Research Fee (minimum charge of 1 hr) |
$ 25.00/hr |
| VISA Statement Copy Fee |
$ 1.00/copy |
| VISA Cash Advance Fee 3% of advance or $5.00, which- |
ever is greater |
*Fees may reduce your earnings. |
|
|
|
 |
|
|