Rates & Fees effective as of 02-28-2023. The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.
Peak Rewards Checking* Learn More
| BALANCE | DIVIDEND RATE | APY |
|---|---|---|
| $0 - $15,000 | 4.89%+ | 5.00%+ |
| $15,000+ | 0.15%+ | 0.15%+ |
| All balances if qualifications not met | 0.01% | 0.01% |
Qualifications+
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Peak Rewards account each monthly qualification cycle:
- Have at least 12 non-pin debit card purchases post and settle+
- Be enrolled to receive eStatements and activate the email address for the account+
- Have at least 1 automatic payment (ACH) post and settle+
- Be enrolled in and log into online banking+
If you don't meet the qualifications+ one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.
Savings Accounts Learn More
| ACCOUNT | DIVIDEND RATE | APY |
|---|---|---|
| Savings* | 0.10% | 0.10% |
| Special Purpose Savings* | 0.10% | 0.10% |
Dividends compounded quarterly. The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.
*Minimum balance to earn dividends.
Money Market Shares* Learn More
| BALANCE | DIVIDEND RATE | APY |
|---|---|---|
| $2,500 - $9,999 | 0.25% | 0.25% |
| $10,000 - $24,999 | 0.45% | 0.45% |
| $25,000 - $49,999 | 0.50% | 0.50% |
| $50,000 - $99,999 | 0.55% | 0.55% |
| $100,000 or more | 0.60% | 0.60% |
Dividends compounded monthly. The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.
*Minimum balance to earn dividends.
Jumbo Money Market Shares* Learn More
| BALANCE | DIVIDEND RATE | APY |
|---|---|---|
| Up to $99,999 | 0.20% | 0.20% |
| $100,000 - $200,000 | 1.00% | 1.00% |
| $200,000.01 and over | 1.25% | 1.25% |
Dividends compounded monthly. The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.
*Minimum balance to earn dividends.
Individual Retirement Accounts Learn More
| ACCOUNT | DIVIDEND RATE | APY |
|---|---|---|
| Regular IRA Shares | 0.15% | 0.15% |
| Roth IRA Shares | 0.15% | 0.15% |
| Educational/Coverdell IRA Shares | 0.15% | 0.15% |
Dividends compounded quarterly. The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.
Share Certificates Learn More
| TERM | BALANCE | DIVIDEND RATE | APY |
|---|---|---|---|
| 90-Day | Up to $100,000 | 1.34% | 1.35% |
| 90-Day | Over $100,000 | 1.34% | 1.35% |
| 180-Day | Up to $100,000 | 1.84% | 1.85% |
| 180-Day | Over $100,000 | 1.84% | 1.85% |
| 11 - Month | Up to $100,000 | Special Rate | Special Rate |
| 11-Month | Over $100,000 | Special Rate | Special Rate |
| 12-Month | Up to $100,000 | 3.11% | 3.15% |
| 12-Month | Over $100,000 | 3.21% | 3.25% |
| 18-Month | Up to $100,000 | 2.67% | 2.70% |
| 18-Month | Over $100,000 | 2.77% | 2.80% |
| 23-Month | Up to $100,000 | Special Rate | Special Rate |
| 23-Month | Over $100,000 | Special Rate | Special Rate |
| 24-Month | Up to $100,000 | 2.67% | 2.70% |
| 24-Month | Over $100,000 | 2.77% | 2.80% |
| 35- Month |
Up to $100,000 |
Special Rate | Special Rate |
| 35-Month |
Over $100,000 |
Special Rate | Special Rate |
| 36-Month | Up to $100,000 | 2.67% | 2.70% |
| 36-Month | Over $100,000 | 2.77% | 2.80% |
| 12-Month IRA | Up to $100,000 | 3.50% | 3.55% |
| 12-Month IRA | Over $100,000 | 3.50% | 3.55% |
| 24-Month IRA | Up to $100,000 | 2.77% | 2.80% |
| 24-Month IRA | Over $100,000 | 2.77% | 2.80% |
Penalty for early withdrawal for certificates with terms of 90 days or less is 30 days’ dividends, certificates with terms of less than 1 year and more than 90 days is 90 days’ dividends, certificates with terms between 11-24 months is 180 days’ dividends, and certificates with terms of greater than 24 months are 365 days’ dividends. Dividends on all share and share certificates accounts are compounded quarterly. Click here to view our most current Truth-in-Savings Disclosure. Contact the credit union for full disclosure requirements.
Auto Loans Learn More
| TYPE | APR | TERMS |
|---|---|---|
| New | As low as 4.99% | Up to 84 months (APR may vary) |
| Used | As low as 4.99% | Up to 84 months (APR may vary) |
| Classics & Collectibles | As low as 8.50% | Up to 72 months (APR may vary) |
Recreational Vehicle Loans Learn More
| TYPE | APR | TERMS |
|---|---|---|
| Aircraft | As low as 6.25% | Up to 144 months (APR may vary) |
| Boats | As low as 5.69% | Up to 240 months (APR may vary) |
| Motorcycles & Off-Road Vehicles | As low as 4.65% | Up to 60 months (APR may vary) |
| Motorhomes, Campers, & Trailers | As low as 5.69% | Up to 240 months (APR may vary) |
Other Consumer Loans
| TYPE | APR | TERMS |
|---|---|---|
| Signature | As low as 11.75% | Up to 60 months (APR may vary) |
| Platinum VISA Credit Card | As low as 8.95% | Revolving / No Annual Fee! |
|
As low as 12.95% |
Revolving / $15 Annual Fee |
|
|
18.00% Fixed |
Up to 6 months / $20 Application Fee |
|
| Miscellaneous Collateral | As low as 8.00% | Up to 84 months (APR may vary) |
| Pledge of Shares/Pledge of Certificate | Div Rate + 3.00% | Up to 144 months (APR may vary) |
Home & Real Estate Products
| TYPE | APR | TERMS |
|---|---|---|
| Mini-Home Equity Line of Credit | Currently as low as 11.00% (Variable rate as low as Prime + 3.50%) | Revolving (APR may vary) |
| Mini-Mortgage | As low as 7.95% | Up to 48 months (APR may vary) |
| Home Equity Line of Credit | Currently as low as 7.00% (Variable rate as low as Prime - .50%) | Up to 240 months (APR may vary) |
| Fixed Rate Equity Loan | As low as 5.90% | Up to 180 months (APR may vary) |
| Recreational Property | As low as 6.90% | Up to 144 months (APR may vary) |
Fee Schedule
| CREDIT UNION SERVICES | APPLICABLE FEES & CONDITIONS |
|---|---|
| Savings | Minimum balance of $5 required |
| Under Minimum Balance | $5.00 every 6 months |
| Inactive Account Fee
(If combined balance falls below $50 with no member-initiated activity for 1 year. Waived if loan activity on same acct.) |
$5.00 per month/per account |
| Member Checking | $5.00 per month
This fee is WAIVED if the account balance of $100 or more is maintained for the full calendar month -OR- with an active direct deposit on the account |
| Non-Sufficient Funds (NSF) | $25.00 per item |
| Courtesy Pay / NSF Check & Debit Clearing Fee
Fee based on amount of overdraft |
Overdraft amount between: $ 0.00 - $ 5.00 = $ 0.00 $ 5.01 - $10.00 = $ 5.00 $10.01 - $15.00 = $10.00 $15.01 - $20.00 = $15.00 $20.01 - $25.00 = $20.00 Over $25.00 = $25.00 |
| Transfer for Overdraft | $5.00 per transfer |
| Stop Payments | $10.00 per item / $20.00 per series |
| Image of Cleared Check via eNavigator! Online Banking | Free |
| Check Copy (Written or Deposited) | $1.00 per item |
| Statement Copy | $2.00 per item |
| Counter Checks | $.25 each |
| Order of Checks | Varies |
| Premature IRA Withdrawals | $25.00 each (more than 5 per year) |
Other Services
| Service | Fee |
|---|---|
| Cashiers Check | $1.00 each (Free if payable to self) |
| Money Order | $1.00 each |
| Stop Payment of Cashiers Check or Money Order | $10.00 each |
| ATM Surcharge | Varies (Click here for list of surcharge-free ATMs for members) |
| VISA Debit Card Reissue | $5.00 per card |
| VISA Card Order Rush Delivery Fee | $25.00 per card |
| VISA Gift Card | $9.95 per card |
| VISA Travel Money Card (re-loadable) | $9.95 per card (plus $4.95 per re-load |
| Over the Phone Payment | $5.00 |
| Coin Counter | FREE for members and non-members |
| Recurring ACH | $10.00 each (one-time setup fee) |
| Wire Transfer | $20.00 each |
| International Wire Transfer | $60.00 each |
| Outgoing Foreign Item Collection Fee | $25.00 each |
| Safe Deposit Boxes (3"x5") | $40.00 per year |
| Safe Deposit Boxes (5"x5") | $40.00 per year |
| Safe Deposit Boxes (3"x10") | $60.00 per year |
| Safe Deposit Boxes (5"x10") | $70.00 per year |
| Safe Deposit Boxes (7"x10") | $85.00 per year |
| Safe Deposit Boxes (10"x10") | $105.00 per year |
| Safe Deposit Box - New Key | $150.00 |
| Notary for Member or Non-Member | FREE |
| Skip-A-Payment | $25.00 |
| Verification of Deposit | $10.00 |
| DMV Document Rush | $10.00 |
| Returned Deposited Item (if written by self) | $20.00 per item |
| Research | $15.00 per hour ($5.00 minimum) |
| Levy/Garnishment Fee | $40.00 per item |
| Subordination Agreement Fee | $75.00 |