Rates and Fees









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Deposit Rates  |  Loan Rates  |  Loan Details  |  Fee Schedule

Deposit Rates
Effective March 1st, 2014
*Annual Percentage Yield

Share Accounts

Dividend
Rate

APY*

 

Regular Share Account

0.05%

0.05%

 

Association Share Account

0.05%

0.05%

 

Youth Club Account

0.10%

0.10%

 

Holiday Club Account

0.10%

0.10%

 

Vacation Club Account

0.10%

0.10%

 

Credit Union Preferred Fund Account

0.10%

0.10%

Draft Accounts

Dividend
Rate

APY*

 

Share Draft Account

0.01%

0.01%

 

Business Share Draft Account

0.01%

0.01%

Share Certificates  (A penalty may apply for early withdrawal)

Dividend
Rate

APY*

 

91 Day Certificate Account ($1,000 Minimum)

.05%

.05%

 

6 Month Share Certificate ($1,000 Minimum)

.07%

.07%

 

6 Month Share Certificate ($10,000 Minimum)

.07%

.07%

 

12 Month Share Certificate ($1,000 Minimum)

.10%

.10%

 

18 Month Share Certificate ($1,000 Minimum)

.15%

.15%

 

24 Month Share Certificate ($1,000 Minimum)

.20%

.20%

IRA Accounts

Dividend
Rate

APY*

 

12 Month IRA Certificates

Traditional

$100 Minimum
Roth $100 Minimum
Coverdell ESA $40 Minimum

.10%

.10%

 

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Loan Rates 
Effective January 1st, 2014

Sub-Account Description

Approximate Term

Annual Percentage Rate

Used/New Autos 6 model years of less

Up to 72 Months

3.00% - 12.25%

 

84 Months

3.50% - 13.50% 

Used auto more than 6 model years

Up to 60 Months

3.50% - 12.75% 

New/Used Boats and Travel Trailers and motor homes

Up to 144 Months

4.50% - 14.00% 

KPEFCU Repossessed Auto

Up to 72 Months

2.9%

Other Secured

Up to 84 Months

6.75% - 14.00% 

Personal Loans

 

 

 

Signature

Up to 60 Months

9.00% - 18.00% 

 

Overdraft Protection Loan

 

12.00% - 18.00% 

 

Line of Credit

 

9.00% - 18.00% 

 

Share Secured

Up to 120 Months

See Below

 

Certificate Secured

Up to 120 Months

See Below

 

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 Loan Details

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%.  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%.  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.

 

 

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 Fee Schedule
Effective January 1st, 2013

 

Share Draft (Checking) Account Fees Frequency

  Fee

Share Draft (No fee if $100 balance maintained)

Monthly

$5.00

Business Share Draft

Monthly

$5.00

Electronic Share Draft

Monthly

Free

NSF Item

Each

$25.00

Overdraft transfer fee

Each

$5.00

Stop Payment Order

Each

$15.00

Revocation of Authorization

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

$40.00

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

Visa Travlers Card

Each

$3.00

Visa Gift Card

Each

$3.00

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

$25.00

ACH Returned Item

Each

$25.00

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

$3.00

ART (Audio Response Teller)

 

Free

Virtual Branch

 

Free

      
Bill Payer
    Unlimited

Monthly

Free

    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

 

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