Loan Rates
Loan Rates Effective: October 1, 2024
Personal Loan
View the term length of the personal loan in the first column, the APR of that loan in the second column, and any possible credit limits in the last column.
Term | APR | Credit Limit: $7,500 Single / $15,000 Joint Maximum |
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24 Month | 6.50% |
|
30 Month | 7.00% | |
36 Month | 7.50% |
|
48 Month | 8.50% | |
Revolving LOC Loan
View the term length of the revolving loc loan in the first column, the APR of that loan in the second column, and any possible credit limits in the last column.
Term | APR | Credit Limit: $10,000 Single / $20,000 Joint Maximum |
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Revolving Open End LOC | as low as 10.75% | |
Variable APR Rates may change on January 1st and July 1st of each year |
12-Month Short Term Loan
View the term length of the 12-month short term loan in the first column followed by the APR of that loan in the second column.
Debt Consolidation
View the term length of the debt consolidation in the first column, the APR of that loan in the second column, and any possible credit limits in the last column.
Term | APR | Credit Limit: $10,000 Single / $20,000 Joint Maximum |
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36 Month | 8.00% |
|
48 Month | 9.00% | |
60 Month | 10.00% | |
All loans are subject to credit approval and Loan Rates may vary based on your Experian credit score. Published Rates are established for a credit with a score of 730-779.
New Autos (2024-2025)
View the term length of new auto loans in the first column, the APR of that loan in the second column, and any possible credit limits in the last column.
Term | APR | Credit Limit |
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36 Month | 5.25% | Up To 100% Financing |
48 Month | 5.50% | |
54 Month | 5.75% | |
60 Month | 6.00% | |
66 Month | 6.25% | |
72 Month | 6.50% | |
84 Month | 7.50% | |
Used Autos (2019-2024)
View the term length of used auto loans in the first column, the APR of that loan in the second column, and any possible credit limits in the last column.
Term | APR | Credit Limit |
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36 Month | 5.75% | Book Retail Value |
48 Month | 6.00% | |
54 Month | 6.25% | |
60 Month | 6.50% | |
66 Month | 6.75% | |
72 Month | 7.00% | |
84 Month | 8.00% | |
Mortgages
View the term length of the mortgage in the first column followed by the APR of that loan in the second column.
Term | APR |
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10 Year | 7.00% |
15 Year | 7.25% |
20 Year | 7.50% |
15% – 20% Down Payment Required w/no PMI 10% Down Payment Required w/PMI |
Home Equity
View the term length of the home equity loan in the first column followed by the APR of that loan in the second column.
Term | APR |
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8 Year | 7.00% |
10 Year | 7.50% |
12 Year | 8.00% |
15 Year | 8.50% |
80% Loan to Equity Value $10,000 Minimum Financing Interest may be tax deductible, consult your tax advisor! |
Home Improvement
View the term length of the home improvement loan in the first column, the APR of that loan in the second column, and the loan amount in the last column.
Term | APR |
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60 Month | 7.50% | $10,000.00 |
72 Month | 8.00% | $10,000.00 |
84 Month | 8.25% | $10,000.00 |
96 Month | 8.50% | $25,000.00 |
108 Month | 8.75% | $25,000.00 |
120 Month | 9.00% | $25,000.00 |
Non-Owner Occupied
View the term length of the non-owner occupied loan in the first column followed by the APR of that loan in the second column.
Term | APR |
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10 Year Mortgage | 8.00% |
12 Year Mortgage | 8.50% |
15 Year Mortgage | 9.00% |
25% Down Payment Required |
Pass Book (Share Pledged)
View the description of the pass book (share pledged) in the first column, the APR in the second column, and the loan amount in the last column.
Description | APR | Loan Amount |
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Regular Shares Used (10 Year Maximum Term) Share Certificate Used (Share Certificate Term) | 5.75% | $500.00 Minimum |
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Share Rates
Share Rates Effective: November 1, 2024 - November 30, 2024
The Board of Directors declared the following dividends for the 3rd Quarter of 2024
Share Accounts
View the type of share account in the first column, the APR in the second column, the APY in the third column, and the minimum average daily balance required in the last column.
Account | APR Rate | APY Rate | Minimum Average Daily Balance |
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Regular Share Account | .05% | .05% | $250 |
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Premium Share Account | .125% | .125% | $2,500 |
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Premium Share Draft Checking | .125% | .125% | $2,500 |
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.25% | .25% | $5,000 |
Club Accounts | .25% | .25% | $250 |
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.375% | .376% | $2,500 |
Youth Accounts | .25% | .25% | $100 |
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IRA Share Account | 1.00% | 1.004% | $1,000 |
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Share Certificate Accounts
IRA's Based on Share Certificates below
View the term of the Share Certificate in the first column, the APR in the second column, the APY in the third column, and the minimum average daily balance required in the last column.
Term | APR Rate | APY Rate | Minimum Average Daily Balance |
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| | | |
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| | |
12 Month | 4.00% | 4.060%
| $50,000 - $250,000 3-Month Penalty for Early Withdrawal |
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3.75% | 3.803% | $1,000 - $49,999 3-Month Penalty for Early Withdrawal |
2 Year | 3.75% | 3.803% | $50,000 - $250,000 6-Month Penalty for Early Withdrawal |
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3.50% | 3.546% | $1,000 - $49,999 6-Month Penalty for Early Withdrawal |
3 Year | 3.50% | 3.546% | $50,000 - $250,000 9-Month Penalty for Early Withdrawal |
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3.25% | 3.290% | $1,000 - $49,999 9-Month Penalty for Early Withdrawal |
4 Year | 3.375% | 3.418% | $50,000 - $250,000 9-Month Penalty for Early Withdrawal |
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3.25% | 3.290% | $1,000 - $49,999 9-Month Penalty for Early Withdrawal |
5 Year | 3.25% | 3.290% | $50,000 - $250,000 9-Month Penalty for Early Withdrawal |
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3.00% | 3.034% | $1,000 - $49,999 9-Month Penalty for Early Withdrawal |
APR – Annual Percentage Rate
APY – Annual Percentage Yield
Penalties may be imposed on Term Share accounts for early withdrawal.
Dividend rates are calculated using average daily balance and are paid quarterly.
Club Accounts are declared and credited at maturity. $5.00 fee for withdrawals.
Current rates are subject to change without notice and are based on current market conditions.
Share Dividends are paid on accounts with a minimum average daily balance of $250.00 or more.
Rates shown for Regular Share accounts are from the previous quarter and current quarterly rates have not been determined. The current quarterly rate will be published at the end of the quarter.
For more information call: [716] 771 3434 or [716] 873 1174
Fee Schedule
Effective: January 1st, 2023
ATM and Debit Cards
View the description of the ATM and debit card fee in the first column followed by the amount of the fee.
Description | Fee |
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Debit Card Replacement Fee | $10.00 |
PIN Reminder Fee | $2.00 |
Overdrawn Account Fee | $25.00 |
All Shares and Share Draft Checking Accounts
View the description of the share and share draft credit account fee in the first column followed by the amount of the fee.
Description | Fee |
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Escrow Accounts (Water, Insurance, Tax and User Fee Payments)
| $75.00 Set-up Fee |
Negative Share Draft Balance Fee | $5.00 fee every 5-Days negative |
Automatic Overdraft Transfer from Savings | $2.00 per Item |
Check Cashing Fee for Non-Members | $10.00 per Check |
Club Accounts Withdrawal Fee | $5.00 per Withdrawal |
Return Mail Fee | $5.00 for Returned Mail - Non-notification of address change |
ACH Payment Change Order
| $10.00 per Change Item |
ACH Return Fee | $25.00 per item |
Non-Sufficient Funds Fee | $25.00 per item |
Deposit Item Returned (Return Check Fee) | $25.00 per item |
Stop Payment Fee (Share Draft Check) | $20.00 per Share Draft Check |
Stop Payment Fee (Over-the Counter Check) | $35.00 per Over-the-Counter Check |
Skip A Payment Fee | $25.00 |
Account Closure Fee / Account Re-Open Fee (Account Closure Fee only assessed if account is closed or re-opened within 180-days of being opened)
| $25.00 |
Research Fees
View the description of the research fee in the first column followed by the amount of the fee.
Description | Fee |
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Statement Copies | $2.00 per Statement |
Check Copies | $2.00 per Check |
Account History Copy | $2.00 per Computer Printout |
Additional Fees
View the description of the fee in the first column followed by the amount of the fee.
Description | Fee |
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Wire Transfers - Outgoing | $20.00 per Wire |
Credit Union Checks | 2 Free per Month / $3.00 Each Additional CU Check |
Dormant / Inactive Account Fee | $5.00 per Month (After 2 Years if Account is $1,000 or Less) |
Legal Services & Judgments | $50.00 |
Loan Refinancing Fee | $50.00 |
Mortgage & Home Equity Loans | $300.00 (Application & Documentations Fee) Upon Approval |
Discharge of Mortgage | $55.00 |
Rate Modification Fee | $250.00 |
Lien Release Copy | $5.00 |