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Rates, Fees & Calculators
Loan Rates
Effective as of:
April 1, 2013
| Account Type |
Term |
% Financed |
APR* |
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New & Used Autos/Motor Homes |
Up To 36 Months |
100% new / up to125% used |
2.00% - 11.00% |
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37 - 48 Months |
100% new / up to 125% used |
2.25% - 11.25% |
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49 - 60 Months |
100% new / up to 125% used |
2.50% - 11.50% |
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61 - 66 Months |
100% new / up to 125% used |
2.75% - 13.00% |
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67 - 72 Months |
100% new / up to 125% used |
3.00% - 13.25% |
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New Boat, Motor, Trailer* |
Up to 72 Months |
90% |
5.00% - 14.00% |
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Used Boat, Motor, Trailer* |
Up to 72 Months |
Up to 90% |
5.00% - 14.00% |
*For Boats, Motor, Trailer, year is determined by the oldest component in unit.
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Jet Ski (new only) |
Up to 30 Months |
90% |
5.00% - 14.00% |
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Travel Trailer New |
Up to 72 Months |
90% |
5.00% - 14.00% |
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Camper Trailer New / Used |
Up to 48 Months |
90% |
6.00% - 15.50% |
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(Collapsible Walls) Used |
36 Months |
LV |
8.44% - 17.25% |
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New Farm Equipment |
Up to 72 Months |
Up to 100% |
3.25% - 14.50% |
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Used Farm Equipment |
Up to 72 Months |
Up to 100% |
3.25% - 14.50% |
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Motorcycles, ATVs, UTVs (Mules), Golf Carts |
Up To 36 Months |
90% |
4.50% - 13.50% |
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37 - 48 Months |
90% |
4.75% - 13.75% |
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49 - 60 Months |
90% |
5.00% - 14.00% |
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61 - 66 Months |
90% |
5.25% - 15.75% |
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Farm Equipment |
Up to 36 Months |
100% |
3.25% - 13.50% |
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37 - 48 Months |
100% |
3.50% - 13.50% |
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49 - 60 Months |
100% |
3.75% - 12.75% |
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61 - 72 Months |
100% |
4.00% - 14.50% |
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New Lawn Mowers/Garden Equipment |
Up to 36 Months >$500 |
90% |
6.00% - 15.00% |
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37 - 48 Months >$4,000 |
90% |
7.00% - 16.00% |
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New Furniture & Applicances |
Up to 36 Months |
100% |
8.25% - 17.25% |
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Share Certificate Secured |
Up to 60 Months |
>$500 |
1.90% added to current certificate rate |
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Overdraft Protection |
$500 |
$2.00 fee per access |
0.00% |
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Signature/Revolving |
$3.20 per $100 |
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8.75% - 17.41% |
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Signature/ 90 Day Note Up to $15000 |
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10.00% - 18.00% |
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Signature Closed End |
Up to 60 Months |
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8.75% - 17.41% |
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Share Secured |
Up to 60 Months, $100,000 |
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5.50% |
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Home Improvement: 1st Mortgage |
1 - 180 Months |
80% |
5.00% |
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181 - 300 Months |
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6.00% |
Maximum $300,000. 1st Mortgage greater than 180 months requires Escrow Account.Origination Fee of 1% not to exceed $1,500
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Home Improvement: 2nd Mortgage |
1 - 60 Months |
80% |
6.25% |
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61 - 120 Months |
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7.00% |
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121 - 180 Months |
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8.00% |
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Maximum $60,000. |
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Unimproved Real Estate (LABD) |
1 - 60 Months |
70% |
8.50% |
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61 - 120 Months |
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9.50% |
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121 - 180 Months |
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10.50% |
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Maximum $80,000. |
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VISA Credit Card |
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8.75% - 17.41% |
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| Rates are subject to change. Please call for current rate information. |
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Share Rates
Effective as of:
April 1, 2013
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| Account Type |
Minimum Balance |
Compound Frequency |
APY* |
Rate |
|
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Regular Share |
$5.00 |
Monthly |
0.25% |
0.25% |
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Sunny Kids Club |
$5.00 to maintain share |
Monthly |
0.25% |
0.25% |
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Holiday Club |
None |
Monthly |
0.25% |
0.25% |
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Special Shares |
None |
Monthly |
0.25% |
0.25% |
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Checking |
none, $100 to earn dividends |
Monthly |
0.25% |
0.25% |
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Money Investment |
$1,000 |
Weekly |
0.35% |
0.35% |
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Traditional IRA |
None |
Monthly |
1.50% |
1.49% |
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Roth IRA |
None |
Monthly |
1.50% |
1.49% |
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| IRA Certificate rates same as Share Certificate rates. |
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| Account Type |
Minimum Balance |
Compound Frequency |
APY* |
Rate |
|
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Regular Checking |
none, $100 to earn dividends |
Monthly |
0.25% |
0.25% |
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Advantage Checking |
none, $100 to earn dividends |
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$0.01 - $20,000 |
none, $100 to earn dividends |
Monthly |
3.00% |
2.96% |
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Over $20,000 |
none, $100 to earn dividends |
Monthly |
0.50% |
0.50% |
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Non-Qualifying* |
none, $100 to earn dividends |
Monthly |
0.25% |
0.25% |
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*Qualifying accounts require 10 debit card purchases each month, one ACH deposit each month, must receive e-statements, and must not be subject to backup withholding (tax that is levied on investment income). Accounts with backup withholding will be converted to our standard checking account. Qualifying accounts also receive ATM fee refunds up to $25.00 each month. For any month in which these requirements are not satisfied, the non-qualifying dividend rate will apply and no ATM fee refunds will be paid.
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| *APY - Annual Percentage Yield |
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| Rates are subject to change. Please call for current rate information. |
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Share Certificate Rates
Effective as of:
May 9, 2013
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| Account Type |
Minimum Balance |
Compound Frequency |
APY* |
Rate |
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06 Months |
$500.00 |
Monthly |
0.25% |
0.25% |
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12 Months |
$500.00 |
Monthly |
0.35% |
0.35% |
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24 Months |
$500.00 |
Monthly |
0.65% |
0.65% |
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36 Months |
$500.00 |
Monthly |
0.80% |
0.80% |
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48 Months |
$500.00 |
Monthly |
1.05% |
1.05% |
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60 Months |
$500.00 |
Monthly |
1.20% |
1.20% |
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| IRA Certificate rates same as Share Certificate rates. *APY - Annual Percentage Yield |
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| Rates are subject to change. Please call for current rate information. |
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Fee Schedule
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Account History |
$2.00 per page |
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Account Research/Balancing |
$15.00 per hour |
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Account Statement |
$5.00 per copy (replacement copy) |
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| ATM Transactions (other than at Credit Union ATMs): |
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ATM Inquiry |
$1.00 each |
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ATM Transfer |
$1.00 each |
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ATM Withdrawal |
$1.00 each |
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ATM/Debit Replacement Card |
$10.00 each |
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Cloud Pay (bill pay service) |
$6.00 per month |
| (Free with Advantage Checking or 2 or more bills paid) |
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Cloud Pay Research |
$30.00 per payment |
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Check Cashing |
$2.00 per check |
| (if Savings only [Regular, Special, Holiday Club] with an aggregate total of
$300 or less) |
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Check Copy |
$3.00 per check |
| (available online at no charge) |
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Excessive Savings Withdrawal-ACH |
$25.00 each |
| (when combined withdrawals & transfers from a Regular or Special Share Account exceed two per calendar month) |
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Overdraft Privilege |
$25.00 per item |
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| Deluxe Check (draft/check printing) |
varies on style ordered |
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Deposited Checks Returned/NSF/Overdraft Privilege |
$25.00 per item |
| (overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means) |
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Inactive Account |
$5.00 per month |
| (no activity for one year, other than the posting of dividends) |
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Excessive Savings Withdrawal & Transfer |
$2.00 over counter, $25 ACH |
| (when combined withdrawals & transfers from a Regular or Special Share Account exceed two per calendar month) |
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Address Change Fee by USPS notification/Insufficient Address Fee |
$10.00 per account |
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Closed Membership
(account closed within three months) |
$5.00 per account |
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Overdraft (Share overdraft transfer) |
$5.00 per transfer |
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Rejoin |
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1-12 Months After Closing |
$25.00 |
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After 1 Year |
$5.00 |
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Replacement Check |
$5.00 |
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Safe Deposit Box |
varies depending on size |
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Share Draft Account Number Change |
$20.00 |
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| Stop Payment Fee |
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Employee Handled |
$35.00 per item |
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Touchtone Teller/Audio Response Handled |
$25.00 per item |
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Verification of Account |
$10.00 minimum |
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Holiday Club Early Withdrawal |
$25.00 per withdrawal |
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IRA Early Withdrawal |
$25.00 per withdrawal |
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Unclaimed Property Processing Fee |
$25.00 |
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Legal Process Fee (IRS Levy, Garnishment, Subpeona, etc.) |
$50.00 |
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Gift Card |
$3.00 per item |
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Overdraft Privilege |
$25.00 per item |
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Loan Overdraft |
$2.00 per transfer |
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Member Service-Self Service Requests |
$2.00 each |
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Merchant Check Processing/Certified Funds Fee |
$30.00 per check |
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Official Check (not made payable to requesting member) |
$5.00 per item |
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Share Overdraft Transfer |
$4.00 per transfer |
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| Wire Transfer |
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Outgoing |
$20.00 each |
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Incoming |
$10.00 each |
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Loan Processing Fee [excludes share secured] |
$25.00 per loan |
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Transaction Limits |
When it comes to transactions, all accounts are not created equal. There are "transaction accounts," such as share draft checking accounts, that offer unlimited transactions in virtually any form. Then there are "non-transaction accounts" that are intended to foster fewer transactions. Federal law limits the transactions that can be made on share savings and money market accounts, which fall into this category.
What are the limits?
Federal Regulation D states that you may make no more than six (6) automatic or preauthorized transfers from your share savings or money market account per calendar month or statement cycle. (The monthly limit is based on when the transaction is processed, not when the check or item was written or authorized.) If you make a combination of checks/drafts and automatic or preauthorized withdrawals, the total limit is still six.
| Transaction Limits by Month |
Checking |
Savings |
Money Market |
| Deposits |
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In Person |
unlimited |
unlimited |
unlimited |
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By Transfer (i.e., direct deposit of payroll or Social Security) |
unlimited |
unlimited |
unlimited |
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By Mail |
unlimited |
unlimited |
unlimited |
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Transfers Between Accounts at the CSFCU |
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In Person (or by messenger) |
unlimited |
unlimited |
unlimited |
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At an ATM |
unlimited |
unlimited |
unlimited |
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By Mail |
unlimited |
unlimited |
unlimited |
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Pre-Authorized or Automatic Withdrawals |
unlimited |
six |
six |
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By Pre-Authorized Transfer to pay a CSFCU Loan (incl. Visa, Mortgage, or Credit Union fees) |
unlimited |
unlimited |
unlimited |
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Through the Internet (CU AnyHour+) |
unlimited |
six |
six |
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By Automated Phone System (TeleAction) |
unlimited |
six |
six |
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By Phone Contact to a Telephone Representative |
unlimited |
six |
six |
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Transfers to Third Parties |
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By Check or Share Draft |
unlimited |
n/a |
six |
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By Debit Card/Check Card |
unlimited |
six |
six |
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By Automated Phone System (TeleAction) |
unlimited |
six |
six |
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By Phone Contact to a Telephone Representative |
unlimited |
six |
six |
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By Pre-Authorized Transfer (ACH) or Automatic Transfer |
unlimited |
six |
n/a |
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Using Bill Pay |
unlimited |
six |
six |
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By Fax |
unlimited |
six |
six |
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Withdrawals |
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In Person |
unlimited |
unlimited |
unlimited |
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At an ATM |
unlimited |
unlimited |
unlimited |
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Through the Internet (CU AnyHour+) with the check or share draft made payable to the member and mailed to his or her address. |
unlimited |
unlimited |
unlimited |
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By fax with the check or share draft made payable to the member and mailed to his/her address. |
unlimited |
unlimited |
unlimited |
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By telephone with the check or share draft made payable to the member and mailed to his/her address |
unlimited |
unlimited |
unlimited |
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*The Credit Union may require a member to give at least
7 days' notice before funds can be withdrawn - transaction restrictions as imposed by Regulation D. Although in person withdrawals are unlimited you may incur a fee. |
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