| Share/Savings Accounts |
| Club Accounts |
| | VACATION CLUB | 0.20% Div. Rate | 0.20% APY * |
| | HOLIDAY CLUB | 0.20% Div. Rate | 0.20% APY * |
| | *HOLIDAY CLUB: No Minimum. You cannot withdraw from this account during the year. Can be opened anytime during the year, but runs from 10/01 to 9/30. Dividends will be paid at maturity (before checks are mailed out). |
| | *VACATION CLUB: $5.00 Minimum. Can withdraw anytime during the year. Dividends paid quarterly. |
| | *Dividends will not be paid on balances under $100.00 |
| IRA Accounts |
| | IRA-ROTH-EDUCATION | 1.00% Div. Rate | 1.00% APY * |
| | $50 Minimum | | |
| | If closed within dividend period, no dividend will be paid for that quarter | |
| Share Draft Accounts |
| | CHECKING ACCOUNTS | | |
| | No Fee
Must open with $50.00
VISA Check Card available - You can use any CU Dollar or PNC ATM free of charge
1st 50 checks free |
| Share Savings |
| | REGULAR SHARES | 0.20% Div. Rate | 0.20% APY * |
| | $50 Minimum. Must Maintain $50.00 Balance
Dividends will not be paid on balances under $100.00
Paid Quarterly | | |
| Certificates Of Deposit |
| | Not available at this time | | |
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| Loan Accounts |
| Unsecured Loans (Signature) |
| | Signature Loan | Rate 5.9% APR to 9.9% APR * - Terms depending on amount borrowed |
| | $500 Minimum $7500 Maximum 10% Required in Share/Savings Maximum $500.00 |
| Share-Secured Loans |
| | Share Secured Loan
100% Required in Shares | Under $5000.00 - 5.9% APR *
$5001.00 & Over - 4.9% APR * |
| Vehicle Loans |
| | New (Never been titled) Vehicles | 48 Months @ 4.9% APR * |
| | USED ( UP TO 3 YEARS OLD ) | 48 Months @ 5.5% APR *
60 Months @ 5.9% APR *
72 Months @ 6.2% APR (over $18,000.00) * |
| | USED ( 4 TO 6 YEARS OLD ) | 48 Months @ 7.9% APR * |
| |  National Automobile Dealers Association | | |
| Home Equity Loans |
| | Home Equity Loan | $10,0000.00 - $25,000.00
Over $25,001.00 | 5 Years 4.5% APR *
10 Years 5.0% APR *
15 Years 5.5% APR * |
| | | *Title insurance required for loans over $25,001.00
*Minimum amount $10,000.00
*$300 application fee non-refundable | |
| Better Choice Loans |
| | $500.00 - No credit check required.
$20.00 Application fee
Must be repaid in 3 months | 15% APR on Payroll Deduction *
18% APR on Coupon Book *
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| Other Services |
- VISA Credit Card - 9.9% APR - NO ANNUAL FEE. Call for details *
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- Credit Disability and Credit Life Insurance on loans is available where loan payments are made after a 14 day waiting period in case of sickness or injury.
- Cancer Insurance and Accidental Death & Dismemberment Insurance is also available. If interested, please contact our office for forms. This will be deducted from your Share Accounts as premiums become due.
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| Fees & Disclosures |
| Deposit Account Fees |
| | NSF SHARE DRAFTS | | 25.00 |
| | TRANSFER FEES | | 2.00 |
| | If Account is closed within 90 days of opening | | 10.00 |
| | WIRE FEE | | 10.00 |
| | ESCHEAT FEE | | 75.00 |