Millstream Area Credit Union

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.

Rates & Fees

Deposit Rates

Loan Rates

Find a Surcharge FREE ATM