Savings Rates
Share Savings Rates
| Account Type |
Account Balance |
APY* |
| Share "Savings" |
$100.00 - $4,999.99 |
0.05% |
|
$5,000.00 - $24,999.99 |
0.05% |
|
$25,000.00 and up |
0.10% |
| Youth Shares |
N/A |
0.30% |
| Club Savings |
N/A |
0.20% |
Certificate of Deposit Rates
| Min. Balance |
Max Balance |
Term |
APY* |
| $250.00 |
$250,000/00 |
90 Days |
0.25% |
| $250.00 |
$250,000/00 |
6 Months |
0.25% |
| $250.00 |
$250,000/00 |
12 Months |
0.50% |
| $250.00 |
$250,000/00 |
18 Months |
0.50% |
| $250.00 |
$250,000/00 |
24 Months |
0.75% |
APY* = Annual Percentage Yield
Loan Rates
Loan Rates
| Loan Type |
Loan Term |
APR* |
| New Auto |
Up to 72 months |
2.00% - 10.00% |
| Used Auto |
Up to 72 months |
2.50% - 12.00% |
| RV Loans are also available, please call for rates. |
| Home Equity Mortgage Loans** |
5 years |
3.50% |
| $5,000 - $200,000 |
10 years |
3.75% |
| 80% Equity Available |
15 years |
4.00% |
| Share Secured Loans |
Up to 5 years |
2.00% |
| Personal / Unsecured Loans |
Up to 5 years |
5.00 - 18.00%% |
* APR = Annual Percentage Rate. Rates given require automatic payment deduction. Without automatic payment deduction, add 50 basis points. ** Non-refundable application fee due at time of application for home equity loan.
Visa Rates
| Minimum Credit Limit |
$500 |
| Maximum Credit Limit |
$10,000 |
| Fixed Interest Rate |
9.90% |
No annual fee! No fee for transferring balances of higher interest rate cards!
Fee Schedule
| Type of Fee |
Current Fee Amount |
| Membership Fee |
$5.00 per member |
| Membership Closing Fee (within 90 days of opening) |
$10.00 |
| Check Printing |
cost |
| NSF Fee |
$35.00 |
| Automatic Overdraft (Transfer) Fee |
$5.00 / transfer |
| Stop Payment |
$25.00 / item |
| Share Draft Copy |
$2.00 / check |
| Interim Statement Printout |
$2.00 per quarter |
| NSF Returned Deposit Items (by Member) |
$35.00 / item |
| NSF Returned Deposit Items (from others) |
$15.00 / item |
| Reconciliation / Account Research |
$15.00 / hour |
| Cashiers Checks (1 free/business day) |
$5.00 / check |
| Christmas Club / Tax Savings Early Withdrawal |
$5.00 / withdrawal |
| ACH Returns (Stop Payment) |
$25.00 / item |
| ACH Returns (NSF) |
$35.00 / item |
| Wire Transfers (Outgoing) |
$15.00 |
| Wire Transfers (Incoming) |
$2.00 |
| Funds Verification |
$5.00 / request |
| Notary Service |
no charge |
| Loan Refinancing (0 – 3 months) |
$50.00 |
| Loan Refinancing (4 – 6 months) |
$25.00 |
| Loan Refinancing ($0 – $249 money disbursed) |
$75.00 |
| Skip-a-Pay Fee |
$30.00 |
| Subpeona / Restraining Notice / IRS Levy |
$25.00 / occurrence |
| 10 Day Late Loan Payment Fee |
$20.00 |
| Home Equity Application Fee |
Varies by county |
| Title Encumbrance Fee |
Fee set by state of PA |
| Express Mail |
$30.00 |
| Monthly Inactive/Dormant Account Fee |
$5.00 |
| Visa Check Card Replacement |
$5.00 |
| Fax Fee |
$1.00 per page |
| Address Change on Returned Mail |
$5.00 / change |