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Share Rates
Share & IRA Certificates
Loan Rates
Vehicle Loans
Fee Schedule
Other Service Fees
3rd Party Fees
|
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|
| Great loan rate specials! Click here to learn about how you can lower our already low rates! |
Saving/Investment Rates |
| Effective July 1, 2008 |
|
DVR*
|
APY**
|
| Share Savings |
1.00%
|
1.00%
|
| Christmas Clubs |
2.00%
|
2.00%
|
| Vacation Clubs |
2.00%
|
2.00%
|
| Special Savings |
.50%
|
.50%
|
Experience Checking
For ages 50+. $1000 minimun balance required to earn interest |
1.00% |
1.00% |
HD Checking
$500 minimun balance required to earn interest.
Click here for rates, terms and details. |
5.00% |
5.12% |
| Experience Certificates - 10 basis points over current rates. Experience Checking required to hold Experience Certificates. |
| Money Market
|
DVR*
|
APY**
|
| <25,000 |
1.25%
|
0.00% - 1.26%
|
| $25,000 - $49,999.99 |
1.75%
|
1.26% - 1.51%
|
| $50,000 - $99,999.99 |
2.75%
|
1.51% - 2.15%
|
$100,000+
$2,000 Min Dep Required |
3.75%
|
2.15% - 3.80%
|
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| Share & IRA Certificates |
| Effective July 1, 2008 |
|
Term
|
DVR*
|
APY**
|
| 6 Months*** |
2.75%
|
2.79%
|
| 12 Months*** |
3.10%
|
3.14%
|
| 24 Months*** |
3.50%
|
3.56%
|
| 36 Months*** |
3.60%
|
3.66%
|
| Jumbo CD*** |
Min Balance $1000
10 Basis points over current rate
Minimum deposit $100,000.00 |
| IRA Certificates |
Same Rates as Share Certificates
Min Dep $5 |
| Experience Certificates - 10 basis points over current rates. Experience Checking required to hold Experience Certificates. |
| * Dividend Rate
** Annual Percentage Yield
***Assumes dividends are paid to the certificate, APY will be lower if dividends are paid to member's share or share draft account. Rates subject to change monthly. |
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| Loan Rates |
| Great loan rate specials! Click here to learn about how you can lower our already low rates! |
| Effective July 1, 2008 |
|
Type
|
APR
|
Term
|
Signature Loans
Rates are as low as: |
9.95
%
|
Up to 48 months
|
| Share Secured Loans |
4.75%
|
Up to 60 months
|
New & Used Vehicle Loans
Rates are as low as** |
|
New
07-09
|
Used
04-06
|
Used
96-03
|
| 24 Months |
3.74%
|
4.74%
|
4.99%
|
| 36 Months |
3.99%
|
4.99%
|
5.24%
|
| 48 Months |
4.24%
|
5.24%
|
5.49%
|
| 60 Months* |
4.74%
|
5.74%
|
5.99%
|
| 72 Months* |
5.24%
|
6.24%
|
6.49%
|
| 84 Months* |
6.49%
|
7.49%
|
n/a
|
Motorcycle Loans
Rates are as low as:** |
4.74%
|
Up to 72 months
|
Recreational Vehicles
(Motor homes, Boats, Travel Trailers and Motorcycles)
Rates are as low as:** |
4.74%
|
Terms Vary
Please inquire at
credit union
|
Home Equity Loans APR (fixed)
Rates are as low as:**, depending on equity in home |
5.50%
|
Up to 60 months
|
|
5.74%
|
61 to 120 months
|
|
7.49%
|
121 to 180 months
|
|
8.74%
|
181 to 240 months
|
| Home Equity Line of Credit*** |
5.25%
(variable)
|
Up to 180 months
|
| Computer Loans |
8.00%
|
Up to 48 months
|
| VISA Credit Cards |
as low as
10.00%
|
Min. payment of
$25 or 2% of balance whichever is greater.
|
| Student Assistance Loan |
8.75%
|
24 mo.Intrest Only
|
* Minimum loan amount is $7,500 for a 60 month term, $15,000 for 72 month term or $25,000 for a 84 month term.
We also offer 60 month term for loans of $10,000 or more, and
$20,000 or more for an 84 month term.
** Rates based on credit worthiness, term and other conditions
*** Home Equity Credit Line is a variable rate, subject to change quarterly. |
| Fee Schedule |
| Checking(Share Draft) Account Fees |
| Non-Sufficient Funds |
$25.00 per item
|
| Non-Sufficient Funds Paid |
$25.00 per item
|
| Stop Payment |
$25.00 per item
|
| Overdraft Protection Transfer Fee |
$3.00 per item
|
| Overdraft Privilege Fee (per overdraft) |
$25.00 per item |
| Share Draft Printing |
Prices vary depending on style selected
|
| Microfilm Copy of Share Draft (Check) |
$2.00 per item
|
| Certified Draft |
$5.00 per item
|
| Debit Card Replacement Fee |
$6.00 per item
|
| Second Debit Card |
$6.00 per year
|
| Debit Card Purchases (non-PIN activated) |
No fee
|
| Debit Card Transactions (PIN activated) |
First 8 free per month. Over eight $1.00 per transaction
**Transactions at EGEFCU ATMs do not count towards your 8 free per month.
|
| Other Service Fees (applicable to all accounts) |
| Account Reconciliation |
$15.00 per hour, one hour minimum
|
| Return of Deposited or Cashed Item |
$10.00 per deposited or cashed item
|
| Microfilm Copy of Statement |
$2.50 per statement
|
| Incoming Wire Transfer |
free
|
| Outgoing Domestic Wire Transfer |
$15.00
|
| Outgoing International Wire Transfer |
$40.00
|
| Western Union Quick Cash - Domestic |
$15.00
|
| Western Union Quick Cash - International |
$25.00 or
$15.00+2% of principle if over $500
|
| Money Orders |
$1.00
|
| Dormant Account Fee |
$5.00 per month after
1 year of inactivity
|
| Signature Guarantee (Medallion) |
$3.00
|
| Legal Processing (attachments, garnishments, levies, etc.) |
$25.00
|
| Telephone Teller |
free (PIN required)
|
| CU Online (Home Banking) |
free (PIN required)
|
| CU Billpayer fee |
4.95 per inactive month (two months free)
|
| VISA Over Credit Limit |
$20.00
|
| VISA Late Payments |
$20.00 twenty days after due date
|
| Check Cashing (without Share Draft Account) |
$2.00 per check
|
| Collections |
$15.00
|
| Loan Late Payment Fee |
$25.00
|
| Traveler's Check Card |
$5.00 |
| CUisp |
$15.95 per month by CUisp
|
| EZcardInfo |
Free
|
| My Travel Wallet |
Fee based on purchases
|
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