| Share & Certificate Secured Loans |
| 3% above dividend rate (minimum 6%) |
| 1st Mortgage Loans |
15, 20 & 30 year terms available |
| 2nd Mortgage Loans |
5, 10 & 15 year terms available |
| Home Equity Loans |
Contact us or the CU Mortgage Service Center at 785-273-9333 |
All loans requests are based on your individual credit score.
The following scores will determine your interest rate.
| A+ |
-.50% |
=730 + |
| A |
Base |
=680-729 |
| B |
+2% |
=640-679 |
| C |
+3.75 |
=600-639 |
| D |
+5% |
=550-599 |
| E |
+9% |
=500-549 |
|
No loan rates shall exceed18%, which is the Kansas statutory cap on rates.
A $10.00 filing fee will be applied to all loans requiring title work or a UCC1.
No loans will be made on salvage title. |
| Credit Union Fees |
| Account Closing Fee |
....................... |
$5.00 if account is closed within 90 days |
| Account Printout |
....................... |
$2.00 1st page $.25 each page thereafter |
| Account Reconcilement/Research |
....................... |
$20.00 per hour, 1 hour minimum |
| ATM New Card & Pin Number |
....................... |
$10.00 |
| ATM Replacement Card |
....................... |
$3.00 |
| ATM Replacement Pin Number |
....................... |
$5.00 |
| ATM Withdrawal Fee &/or Inquiry Fee |
....................... |
6 free per month,
$1.25 thereafter |
| Business Account Coin Handling Fee |
....................... |
$20.00 per month |
| Check Cashing Fee |
....................... |
min fee $1.00 up to 10%, max $5.00 if saving balance is < $100 & no other services* |
| Collection Item Presented by Mail |
....................... |
10% of check minimum charge $7.50 |
| Copies of Cleared Share Draft Item |
....................... |
$2.50 per item |
| Copies of Statements |
....................... |
$2.50 1st page, $1.00 each additional page |
| Deposited Item Return Fee |
....................... |
$10.00 per item |
| Direct Deposit Withdraw Fee |
....................... |
$5.00 if take ½ or more, saving balance is less than $100 and no other services |
| Dormant Account Fee |
....................... |
$5.00 per quarter if balance is less than $100 and no other services |
| Fax Charges, outgoing |
....................... |
$3.00 |
| Garnishment Fee (Legal Process Fee) |
....................... |
$15.00 |
| Loan Processing Fees |
....................... |
1 free each quarter, $5.00 each thereafter |
| Lost CD Fee |
....................... |
$10.00 affidavit fee |
| Membership Share Par Value |
....................... |
$5.00 |
| Money Market Checking |
....................... |
$3.00 in excess of 3 items per month |
| Money Orders |
....................... |
$1.00 per money order |
| Notary Fee |
....................... |
Free to member, $5.00 non member |
NSF Fee, Checking, ATM, ACH
(If item is paid or returned) |
....................... |
$20.00 per item (no calls made) |
| Return Mail Fee |
....................... |
$4.00 per month |
| Share Draft Printing Fees |
....................... |
Price will vary depending on style |
| Stamps |
....................... |
Books only |
| Stop Pay fee, Check or ACH |
....................... |
$10.00 |
| Telephone Transfers |
....................... |
2 free weekly, $1.00 each thereafter |
| Teller Checks |
....................... |
$2.00 per check, 1 free each quarter |
|
....................... |
|
|
....................... |
|
| Western Union Wire |
....................... |
$26.00 |
| Wire Transfer Fee Incoming |
....................... |
Free |
| Wire Transfer Fee Outgoing |
....................... |
$20.00 |
All members are required to maintain a minimum of $5.00 in their "A" account to transact any business with the Credit Union. The credit union will transfer funds from member's other accounts to maintain the minimum $5.00 balance.
*All checks, drawn off another financial institution, that are cashed, are subject to the check cashing fee.
*An account is considered dormant when there is no activity for 2 years or more and share balance is less than $100.00.
Checking Accounts:
Automatic transfers from savings to checking will not take the balance below $5.00 for any reason.
Any member who causes a financial loss to the credit union or abuses account privileges, will lose all rights and privileges of membership, including access to services.
All new checking accounts are subject to a credit check.
Closing of Share Draft Account/Checking Accounts, requires all unused checks to be returned to credit union, for destruction, prior to closing.
All overdrawn accounts, are subject to a $10.00 daily fee. |
