Effective September 1, 2010
|
1 $200 minimum balance for dividends
2 Grandfathered LIfe Savings Account. No deposits taken, account to be closed if withdrawal brings balance below $2,000
3 $1,000 minimum balance for dividends.
4 $10.00 a month minimum deposit. SEVA Saves annual bonus dividend of .25% on first $500 if monthly deposit requirement and no more than three withdrawals in a calendar year are met.
5 Platinum Money Market Tier 1 $0-34,999.99 Tier 2 $35,000+
Failure to maintain balance will result in a default on this account
6 Platinum Plus Money Market Tier 1 $0-49,999.99 Tier 2 $50,000+
Failure to maintain balance will result in a default on this account
7 Minimum monthly deposit $10.00, annual bonus dividend of 0.25% on first %500.00 if monthly deposit requirement and no more than three withdrawals in a calendar year are met.
8 $3,000, and $5,000 minimum average daily balance for dividends for Premium and Premium Plus Checking respectfully.
9 Rewards Checking - Tier 1 rate applies to accounts to accounts not meeting the account qualifications; Tier 2 rate applies to account balances over $20,000; Tier 3 rate applies to qualified accounts up to $20,000, see account disclosure for account qualifications.
*ANNUAL PERCENTAGE YIELD (APY). The dividend rate and APY were accurate as of the effective date above. Penalties for early withdrawal of certificates may apply. Rates are subject to change without notice.
** JUMBO RATE for $20,000.00 and up.
Your savings federally insured to $250,000.00 by National Credit Union Administration, a U.S. Government agency. IRA separately insured up to $250,000.00.
Loan Rates
| Loan Product | Annual Percentage Rate |
| New Vehicle, Boat, RV Loan ** | 3.50% - 18.00% |
| Used Vehicle, Boat, RV Loan ** | 4.00% - 18.00% |
| Personal Loan ** | 10.99% - 18.00% |
| Share Secured Loan * | 3.00% above current dividend rate |
| MasterCard Platinum - Min $500* | 9.49% - 18.00% |
| VISA Platinum Rate - Min $500 * | 7.99% - 18.00% |
| VISA Platinum Reward - Min $500 * | 9.49% - 18.00% |
| Sharedraft/Overdraft Line of Credit ** | 10.99% - 18.00% |
Click here to review our Mortgage Rates.
*See page two for fees and disclosures.
** Rates effective 09/01/2010.
Fee Schedule
| Savings Account | |
| IRA Rollover or Transfer (Before Age 59 1/2) | $25.00 |
| IRA Full or Partial Withdrawal (Before Age 59 ½) | $25.00 |
| Reopen Primary Account | $15.00 |
| Single Service Account (less than $500.00, per month) | $5.00 |
| Inactive Account (After 12 months, per month) | $15.00 |
| Checking Account | |
| Check Copy | $5.00 |
| Balance Account ( per hour charge,1 hour minimum charge) | $20.00 |
| Overdrawn Account | $27.00 |
| Courtesy Pay | $27.00 |
| Stop Payment | $27.00 |
| Check Printing | Price Varies |
| Visa Check Card Reactivation Fee | $27.00 |
| Electronic Funds | |
| ATM Transactions (Non-ABNBFCU Machines) | $1.25 |
| ATM Overdraft | $27.00 |
| ATM Research | $25.00 |
| Card Replacement ( ATM, Visa Check, Mastercard, Visa Gold) | $5.00 |
| Overdraft Protection Transfer from a Related Account | $2.00 |
| Foreign Check Processing (per item) | $20.00 |
| Other Service | |
| Cashiers Check | $5.00 |
| Returned Item (Deposited or Cashed) | $15.00 |
| Copy of Deposited Item | $5.00 |
| Copy of Statement | $5.00 |
| Interim Statement (per month fee) | $5.00 |
| Money Orders | $2.00 |
| Money Wire Transfers | $15.00 |
| Western Union Wire (Fee varies with amount) | $25.00 minimum |
| Traveler’s Checks (single signature) | $1 per $100.00 |
| Account Research (per hour charge, 1 hour minimum charge) | $20.00 |
| Living Claim (Life Insurance) | $25.00 |
Fax Service (Fee varies with # of pages and destination) |
$1.00 minimum |
| Bulk coin processing | 2% of coin value |
| Personalized Picture Card | $7.00 per card |
General Loan Disclosures
* ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 20% of interest due on payments 20 or more days late. On mortgage loans a modification fee of 0.75% and closing costs may apply. Some restrictions apply. Rates are subject to change without notice.
Credit Card Disclosures
* ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). Lines of Credit are subject to approval. We reserve the right to periodically review your account which may result in your interest rate being changed. Please refer to your "Important Information About Your Credit Cards" for further explanation.
** A Performance APR of 18.00% will be imposed on the total balance if your account becomes 2 times 30 days past due or 1 time 60 day past due in the current and preceding 11 months.
Changes to This Plan: We reserve the right to change any and all of the terms of this agreement. For example, we can change the type and amount of the fees we charge, the interest rate, and the minimum payment amount, as well as the other features of this plan.
Single Service User
Members (excluding youth) must maintain a combined balance of $500 in a savings and/or Demand Deposit accounts, or have another service product such as a club account, money market, certificate, or loan to avoid the $5 single service fee. Youth accounts regardless of balance are exempt from this fee.
Overdraft Protection
If, on any day, the funds in your share account are not sufficient to cover drafts, fees or other items posted to your account, we may pay or return the overdraft in accordance with our overdraft policy or an overdraft protection plan you have with us. The Credit Union’s determination of an insufficient account balance may be made at any time between presentation and the Credit Union’s midnight deadline with only one review of the account required. We do not have to notify you if your account does not have funds to cover drafts, fees or other posted items. Whether the item is paid or returned, your account may be subject to a charge as set forth in the Truth-in-Savings Disclosure. Except as otherwise agreed in writing, we, by covering one or any overdraft, do not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay a draft or impose a fee that would otherwise overdraw your account, you agree to pay the overdrawn amount in accordance with our overdraft policy.
Overdraft Protection Plan. If we have approved an overdraft protection plan for your account, we will honor drafts drawn on insufficient funds by transferring funds from another account under this Agreement or a loan account, as you have directed, or as required under the Credit Union’s overdraft protection policy. The fee for overdraft transfers, if any, is set forth in the Truth-In-Savings Disclosure. This Agreement governs all transfers, except those governed by agreements for loan accounts.
