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Rates

 Share/Savings Accounts

Regular Shares – $100 – 20,000

0.20% Div. Rate

0.20% APY

Regular Shares – $20,000 and over

0.25% Div. Rate

0.25% APY

Share Drafts

0.00% Div. Rate

0.00% APY

Other Accounts

Christmas Account

Div. Rate*

APY*

Education Account

Div. Rate*

APY*

Vacation Account

Div. Rate*

APY*

Burial Fund

Div. Rate*

APY*

Auxiliary Fund

Div. Rate*

APY*

Wedding

Div. Rate*

APY*

Christmas Club (OCT – OCT)

0.30% Div. Rate

0.30 APY

Vacation Club (JULY-JULY)

0.30% Div. Rate

0.30% APY

*Rates same as Regular Shares

IRA Accounts

Traditional IRA

0.10% Div. Rate

0.10% APY

Roth IRA

0.10% Div. Rate

0.10% APY

Coverdell Education IRA

010% Div. Rate

0.10% APY

 

Share Certificate Accounts      $1000.00 to $250,000.00

New Rates

6 – Month CD

0.30% Div. Rate

0.30% APY

12 – Month CD

0.40% Div. Rate

0.40% APY

24 – Month CD

1.00% Div. Rate

1.00% APY

36- Month CD

1.75% Div. Rate 1.76% APY

48 – Month CD

2.25% Div. Rate 2.26% APY
60 – Month CD 2.50% Div. Rate

2.56% APY

Loan Accounts

The loan application fee is required to be paid before the loan will be processed.

Signature Loans (New Loans Only)

Up to $7500

APR as low as 8.50%**

Up to 60 Months

** Rate Based on Credit Report

Apply for Signature Loan

Christmas Loan

Up to $2000

APR 3.5%

12 Month/ Oct to Feb

Spring Fling

Up to $2000

APR 3.5%

12 Months/ March to May

Summer Time Loan

Up to $2000

APR 3.5%

12 Months/ June to July

Back to School

Up to $2000

APR 3.5%

12 Months/ Aug to Sept

Apply for Special loan

Hardship

Up to $1500

APR 18%

12 Months

Apply for Hardship Loan

Credit Card

Up to $7500

APR 11.9%

Apply for Credit Card

 

Share – Secured Loans

as low as  3.00% (depending on the term of loan)

Apply for Share- Secured loan

Home Equity Loans – Call Credit Union for Information.

 

Vehicle Loans

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New – current model year or prior year if untitled (new loans only, no refinancing of existing loans with Tri-Ag)

We will match any verified interest rate greater then 0%

As low as 3.0% APR** For 24 Months
As low as 3.0% APR** For 36 Months
As low as 3.5% APR** For 48 Months
As low as 3.5% APR** For 60 Months
As low as 4.00% APR** For 72 Months
As low as 4.5% APR For 84 Months (if Credit score is above a 640)
3.00% APR **

3.50% APR **

4.50% APR **

4.00% APR **

For 24,36 Months. If Credit Score is above a 720

For 48,60 Months. If Credit Score is above a 720

For 72 Months. If Credit Score is above a 720

For 84 Months. If Credit Score is above a 720

**- APR is effected by loan amount, credit score, and loan origination fee.

Apply for New Vehicle Loan

 

USED (new loans only, no refinancing of existing loans with Tri-Ag)

We will match any verified interest rate greater then 0%

Model Year 2017-1998

As low as 3.5% APR** For 24 Months
As low as 3.5% APR** For 36 Months
As low as 3.5% APR** For 48 Months
As low as 4.00% APR** For 60 Months
3.50% APR **

4.0% APR **

For 24, 36,48 Months. If Credit Score is above 720

For 60 Months. If Credit Score is above 720

**- APR is effected by loan amount, credit score and loan origination fee.

Apply for a Used Vehicle Loan

 

Classic Cars  (20 years old and older, must be in NADA)

( new loans only, no refinancing of existing loans with Tri-Ag)

 (Autos, Trucks)      1997 and Older       Pictures Required     

As low as 3.5% APR**                                          For 24 Months

As low as 3.5% APR**                                          For 36 Months

As low as 3.5% APR**                                         For 48 Months

As low as 4.00% APR**                                     For 60 Months

3.50% APR **                                                      For 24, 36,48 Months. If Credit Score is above 720

4.0% APR **                                                        For 60 Months. If Credit Score is above 720

We will match any verified interest rate greater then 0%

 

Apply for a Classic Vehicle Loan

 

Recreational Vehicle Loans RV’s, Boats, ATV’s, Farm Equipment, and Motorcycles

(new loans only, no refinancing of existing loans with Tri-Ag)

 

We will match any verified interest rate greater then 0%

 APR as low as 4.00%**      24 to 120 Months

(must borrow over 10K for 84 months and over 20K for 120 months)

**- APR is effected by loan amount, credit score and loan origination fee.

Apply for a Recreational Vehicle Loan

*** Rates and terms subject to change without notice.

 

Fee Schedule & Disclosures

Deposit Account Fees

Share Draft/ ACH / EFT NSF Fee $35.00
Share Draft Stop Payment Fee $25.00
Share Draft Copy $2.00
Draft Back Fee $2.00+0.02 per check + postage
ATM Overdraft Fee $35.00
ATM Replacement Card (7-10 days) $10.00
Instant Issue ATM Card $15.00
Courtesy Pay Fee $30.00**

**(if enrolled in  Courtesy program)

REG D Fee (over six electronic transfers from shares per month) $30.00
Rush ATM Card $36.00
Additional Statement Fee $1.00 per page

Loan Account Fees

Loan Application Fee $50.00
Late Payment Fee $25.00
Loan Modification (Not Hardship) fee $25.00
If Credit Union has to call to add Insurance fee $20.00
Title Fee Cost + $3.00
Loan Collection Cost
Courthouse Liens $5.00 to $20.00
Skip Payment Fee $30.00
Credit Card Late Payment Fee $15.00
Credit Card Payment NSF Fee $25.00

Miscellaneous Fees

Deposited Item Return Fee $30.00
Wire Transfer (Outgoing) Fee $25.00
Money Order Fee $2.00 per Money Order
Credit Union Official Checks $5.00 per check
Credit Union Official Checks if Mailed $5.00 per Check + Postage
Share Draft Counter Checks $1.00 per Page
IRA Maintenance Fee $15.00 Yearly
Copies $0.10 per page
Notary Services Free for Members
Fax Service Fee $0.10 per page
Travel Money Prepaid cards – New Card $5.00
Travel Money Prepaid cards – Reloads $1.00 / $2.00 from card Vender
Account Research Fee $25.00 per Hour

 

 

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