|
|
 |
Deposit Rates | Loan Rates | Loan Details | Fee Schedule
|
Deposit Rates
Effective June 1, 2008
*Annual Percentage Yield
|
| Share Accounts |
Dividend
Rate
|
APY*
|
|
|
Regular Share Account
|
0.50%
|
0.50%
|
|
|
Association Share Account
|
0.50%
|
0.50%
|
|
|
Youth Club Account
|
0.75%
|
0.75%
|
|
|
Holiday Club Account
|
0.75%
|
0.75%
|
|
|
Vacation Club Account
|
0.75%
|
0.75%
|
|
|
Credit Union Preferred Fund Account
|
1.00%
|
1.00%
|
|
Draft Accounts
|
Dividend
Rate
|
APY*
|
|
|
Share Draft Account
|
0.15%
|
0.15%
|
|
|
Business Share Draft Account
|
0.15%
|
0.15%
|
|
Share Certificates (A penalty may apply for early withdrawal)
|
Dividend
Rate
|
APY*
|
|
|
91 Day Certificate Account ($1,000 Minimum)
|
2.20%
|
2.22%
|
|
|
6 Month Share Certificate ($1,000 Minimum)
|
2.50%
|
2.52%
|
|
|
6 Month Share Certificate ($10,000 Minimum)
|
2.75%
|
2.78%
|
| |
12 Month Share Certificate ($1,000 Minimum)
|
3.10%
|
3.14%
|
| |
18 Month Share Certificate ($1,000 Minimum)
|
3.25%
|
3.29%
|
| |
24 Month Share Certificate ($1,000 Minimum)
|
3.50%
|
3.55%
|
| |
5 MONTH SPECIAL SHARE CERTIFICATE ($500.00) |
3.75%
|
3.79% |
|
IRA Accounts
|
Dividend
Rate
|
APY*
|
|
|
12 Month IRA Certificates
|
Traditional
|
$100 Minimum |
| Roth |
$100 Minimum |
| Coverdell ESA |
$40 Minimum |
|
3.10%
|
3.14%
|
Deposit Rates | Loan Rates | Loan Details | Fee Schedule | Back to Top
|
Loan Rates
Effective May 1, 2008
|
|
Sub-Account Description
|
Approximate Term
|
Daily Periodic Rate
|
Annual Percentage Rate
|
|
Used/New Autos 6 model years of less
|
Up to 72 Months
|
.017808% - .036301%
|
6.50% - 13.25%
|
|
|
84 Months
|
.019178% - .039726%
|
7.00% - 14.50%
|
|
Used auto more than 6 model years
|
Up to 60 Months
|
.018493% - .037671%
|
6.75% - 13.75%
|
|
New/Used Boats and Travel Trailers and motor homes
|
Up to 144 Months
|
.020548% - .041096%
|
7.50% - 15.00%
|
|
KPEFCU Repossessed Auto
|
Up to 72 Months
|
.007945
|
2.9%
|
|
Other Secured
|
Up to 84 Months
|
.021233% - .041096%
|
7.75% - 15.00%
|
|
Personal Loans
|
|
|
|
|
|
Signature
|
Up to 60 Months
|
.030137% - .049315%
|
11.00% - 18.00%
|
|
|
Overdraft Protection Loan
|
|
.032877% - .049315%
|
12.00% - 18.00%
|
|
|
Line of Credit
|
|
.027397% - .049315%
|
10.00% - 18.00%
|
|
|
Share Secured
|
Up to 120 Months
|
See Below
|
See Below
|
|
|
Certificate Secured
|
Up to 120 Months
|
See Below
|
See Below
|
Deposit Rates | Loan Rates | Loan Details | Fee Schedule | Back to Top
|
Annual Percentage Rates
|
|
The Annual Percentage Rate you receive for the above sub-accounts are based on certain credit-worthiness criteria. Other charges that may be imposed are shown below. Your loan rate will be set at the time of each advance and will be disclosed on the advance voucher.
|
|
Share Secured
|
|
The Annual Percentage Rate for the share secured advances will be the dividend rate being paid on the regular shares on the date of the advance plus 3% with a minimum of 6%. If there is an existing balance on the date of the new advance, the entire balance will be at the new Annual Percentage Rate. The current Daily Periodic Rate and Annual Percentage Rate will be disclosed on the advance voucher at the time of the advance.
|
|
Variable Rates
|
|
For Certificate Secured, the Annual Percentage Rate for certificate secured advances will be the dividend rate being paid on the Certificate offered as security on the date of the advance plus 3% with a minimum of 6%. If there is an existing balance on the date of the new advance, the entire balance will be at the new Annual Percentage Rate. The certificate must be renewed until the advance is completely paid. Failure to renew the certificate will result in default. When the Certificate is renewed, the Annual Percentage Rate will change to reflect the new dividend rate. Any increase in the Annual Percentage Rate will result in more payments of the same amount until what you owe has been paid. The current Daily Periodic Rate and Annual Percentage Rate will be disclosed on the advance voucher at the time of the advance.
|
|
Member Loyalty Discount
|
|
You will receive a discount of 0.25% off the Annual Percentage Rate for each of the following credit union services you use. The maximum discount you can receive is 1.00%.
| Direct Deposit or Payroll Deduction |
Term Share Account (Certificate) |
| VISA Check Card |
Checking Account |
| VISA Credit Card |
Existing Loan |
| Loan Protection Policy (GAP, MBI, Life, Disability) |
Share/Certificate, VISA Check Cards, Real Estate and Loan Specials are not eligible for the discounted rate. If you discontinue any service for which you have received a discount the Annual Percentage Rate will revert to the normal rate for that sub-account.
|
|
Filing Fee
|
|
You will be charged a lien filing fee at the time of an advance if the Credit Union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property.
|
|
Minimum Payment for Line of Credit
|
|
Your minimum monthly payment will be $30.00 per $1000. Your payment amount will be calculated at the time of each advance. You also agree to pay any amount past due or any amount in excess of your approved credit limit.
|
|
Late Charges
|
|
If you are more than 10 days late, you will be charged 20% of the amount of interest due on the date of payment with a minimum charge of $20.00.
|
|
Returned Item Fee
|
|
You will be charged $25.00 when a check submitted for payment on your account is returned to the Credit Union, regardless of the reason.
|
|
Collateral Protection Insurance
|
|
You will be charged a fee of $50.00 if Collateral Protection Insurance is added to your secured loan by the Credit Union. Your monthly payment may increase if the Collateral Protection Insurance is added to your loan.
|
|
Collection Cost
|
|
You agree to pay all costs of collecting the amount you owe under this agreement including court costs, reasonable attorney fees and the cost of any appeal by the Credit Union.
|
Deposit Rates | Loan Rates | Loan Details | Fee Schedule | Back to Top
|
Fee Schedule
Effective December 5, 2007
|
| Share Draft (Checking) Account Fees |
Frequency |
Fee
|
| Share Draft (No fee if $100 balance maintained) |
Monthly
|
$5.00
|
| Business Share Draft |
Monthly
|
$10.00
|
| Electronic Share Draft |
Monthly
|
Free
|
| NSF Item |
Each
|
$22.00
|
| Overdraft transfer fee |
Each
|
$5.00
|
| Stop Payment Order |
Each
|
$15.00
|
| Share Draft Copy (Mail) |
Each
|
$5.00
|
| Share Draft Copy (Fax) |
Each
|
$7.00
|
| Original Share Draft Retrieval |
Each
|
$10.00
|
| Check Book Reconcilement |
First Time
Additional
|
Free
$15.00 Per Hour
|
| |
| Service Fees Applicable to all Accounts |
Frequency |
Fee
|
|
Commercial Money Orders (CMO)
|
Each
|
$30.00
|
| Wire Transfer (Outgoing) |
Each
|
$25.00
|
| Wire Transfer (Incoming) |
Each
|
$10.00
|
| CU to CU Wires |
Each
|
$10.00
|
| International Wires (Outgoing) |
Each
|
$35.00
|
| Teller Checks Not Payable to Member |
Each
|
$3.00
|
| Stop Payment of Lost/Stolen Teller Check |
Each
|
$15.00
|
| Copy of CU Draft/Teller Check |
Each
|
$5.00
|
| Money Orders |
Each
|
$2.00
|
| Travelers Checks for One |
Per $100
|
$1.00
|
| Travelers Checks for Two |
Per $100
|
$2.00
|
| American Express Gift Card |
Each
|
$3.95
|
| American Express Travel Fund Card |
Each
|
$14.95
|
| Certified Check |
Each
|
$2.00
|
| Deposited Returned Item |
Each
|
$25.00
|
|
Items Sent for Collection
(Plus fee from correspondent bank or CU)
|
Each
|
$5.00
|
| Dormant Account Fee after 5 Years |
Each
|
$25.00
|
| Christmas/Vacation Club Early Withdrawal |
Each
|
$5.00
|
| IRA Annual Fee |
Annually
|
$15.00 (Posted each April)
|
| Frequent Re-Opening of Share Account |
Each
|
$5.00
|
|
|
| Electronic Services Fees |
Frequency |
Fee
|
| NSF Item |
Each
|
$22.00
|
| ACH Returned Item |
Each
|
$22.00
|
| ACH Stop/Revocation |
Each
|
$15.00
|
| ATM Withdrawal/Transfer |
Each
|
$1.00 (First five free)
|
| ATM Card Replacement |
Each
|
$5.00
|
| ATM Denial (Due to lack of funds) |
Each
|
$5.00
|
| Account Balance Inquiry |
Each
|
$1.00 (First five free)
|
| Replacement ATM PIN |
Each
|
$2.00
|
| ART (Audio Response Teller) |
|
Free
|
| HFS (Home Financial Service) |
|
Free
|
| HFS Reopen |
|
$5.00
|
| |
| Bill Payer |
| Unlimited |
Monthly
|
$5.95
|
| Written Correspondence to Merchant |
|
$15.00
|
| Proof of Payment |
|
$15.00
|
|
|
| Miscellaneous Fees |
Frequency |
Fee
|
| Copies |
Each
|
$0.10 (Five free per Day)
|
| Laminating Cards |
Each
|
$0.50
|
| Fax Machine Service |
First Page
Each Additional
|
$3.00
$1.00
|
| Incoming Fax Machine Service |
Each Page
|
$1.00
|
| Statement Copy |
Each Page
|
$1.00
|
| Account Print Out |
Each Page
|
$0.50
|
| Account Research (Plus Copy Fees) |
Per Hour
|
$15.00
|
| Manual Payment Service |
Each
|
$5.00
|
Check Cashing Fee
(Savings balance under $50 with no other services) |
|
$10.00
|
| Business Replacement Check Fee |
Each
|
$10.00
|
Deposit Rates | Loan Rates | Loan Details | Fee Schedule | Back to Top |
