March 20, 2008
| 2008 New Vehicles, Motorcycles, RV’s & Boats |
| Term |
Rate |
Source |
| Up to 36 Months |
5.15% |
100% NADA retail |
| Up to 48 Months |
5.90% |
100% NADA retail |
| Up to 60 Months |
5.99% |
100% NADA retail |
| Up to 72 Months |
6.70% |
100% NADA retail ($25,000 or more, Title Vehicles Only) |
| 2007, 2006, 2005 Used Vehicles |
| Term |
Rate |
Source |
| Up to 36 Months |
6.00% |
100% Used NADA retail |
| Up to 42 Months |
6.00% |
100% Used NADA retail |
| Up to 48 Months |
6.25% |
100% Used NADA retail |
| Up to 54 Months |
6.25% |
100% Used NADA retail |
| Up to 60 Months |
6.50% |
100% Used NADA retail |
| Note: May be subject to inspection of vehicle by loan officer. |
| 2004, 2003, 2002 Used Vehicles |
| Term |
Rate |
Source |
| Up to 36 Months |
6.65% |
100% Used NADA retail |
| Up to 42 Months |
6.65% |
100% Used NADA retail |
| Up to 48 Months |
6.90% |
100% Used NADA retail |
| Note: May be subject to inspection of vehicle by loan officer. |
| 2001, 2000, 1999, 1998 Used Vehicles |
| Term |
Rate |
Source |
| Up to 24 Months |
7.30% |
100% Used NADA retail |
| Up to 36 Months |
7.35% |
100% Used NADA retail |
| Up to 48 Months |
7.75% |
100% Used NADA retail |
| Note: May be subject to inspection of vehicle by loan officer. |
| Lawn Tractors & Carts |
| Term |
Rate |
| Maximum of 36 Months |
11.20% |
| Signature Loans |
| Term |
Rate |
| Maximum $3000.00 24 mths score 680+ |
12.75% |
| Maximum of 24 months score 600-679 Maximum $2500 |
14.75% |
| 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. |
| Share Accounts |
| Rates - All dividends are paid on a day-in to day-out basis effective March 20, 2008. Rates are expressed both in a stated rate and an ANNUAL PERCENTAGE YIELD. The rates are as of the last dividend declaration. |
| Type |
Minimum Deposit/Balance |
APR |
APY |
| Share Account |
$24.99 to $1,999.99 |
1.10% |
1.11%(quarterly) |
| Share Account |
$2,000 and up |
1.15% |
Ranges from 1.10% to 1.15% |
| Christmas Club |
All Balance |
1.10% |
1.11% |
| IRAs |
All Balance |
2.25% |
2.27% |
| Money Market Account |
$0 to $2,499.99 |
1.10% |
1.11% |
| Money Market Account |
$2,500 and Up |
1.50% |
1.51% |
| Certificate Rates |
| Rates effective as of March 20, 2008, subject to change with market trends |
| Term |
Minimum Deposit/Balance |
APR |
APY |
| 90 Day |
$500 minimum |
2.50% |
2.53% |
| 6 Month |
$500 minimum |
2.85% |
2.89% |
| 12 Month |
$500 minimum |
2.80% |
2.84% |
| 18 Month |
$500 minimum |
3.00% |
3.04% |
| 24 Month |
$500 minimum |
3.15% |
3.20% |
| 30 Month |
$500 minimum |
2.53% |
2.56% |
| We also have IRA Certificate of Deposits, which pay the same rates as regular Certificates. |
| Early withdrawal penalty will apply. |
October 19, 2005
| Credit Union Fees |
| Membership Share Par Value |
....................... |
$5.00 |
| ATM Withdrawal Fee &/or Inquiry Fee |
....................... |
6 free per month,
$1.25 thereafter |
| ATM Replacement Pin Number |
....................... |
$5.00 |
| ATM Replacement Card |
....................... |
$3.00 |
| ATM New Card & Pin Number |
....................... |
$10.00 |
| 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 |
| 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 |
| 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 current address on file |
| 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 |
| Copies of Statements |
....................... |
$2.50 1st page, $1.00 each additional page |
| Money Market Checking |
....................... |
$3.00 in excess of 3 items per month |
| Money Orders |
....................... |
$.75 per money order |
NSF Fee, Checking, ATM, ACH
(If item is paid or returned) |
....................... |
$20.00 per item (no calls made) |
| Notary Fee |
....................... |
Free to member, $5.00 non member |
| 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 |
| Teller Checks |
....................... |
$2.00 per check, 1 free each quarter |
| Telephone Transfers |
....................... |
2 free weekly, $1.00 each thereafter |
| Travelers Checks |
....................... |
$.75 per hundred |
| Traveler Checks for Two |
....................... |
$1.25 per hundred |
| Wire Transfer Fee Incoming |
....................... |
Free |
| Wire Transfer Fee Outgoing |
....................... |
$20.00 |
| Western Union Wire |
....................... |
$26.00 |
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 we do not have a good address on file 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. |
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