Rates & Fees
Loan Rates ~ Effective June 1, 2023
| Loan Type | APR* | Daily Periodic Rate |
|---|---|---|
| New Vehicle | as low as 5.29% | .01449315% |
| Used Vehicle | as low as 5.49% | .01504110% |
| New RVs | as low as 7.49% | .02052055% |
| Used RVs | as lows as 7.75% | .02123288% |
| New Boats | as low as 7.49% | .02052055% |
| Used Boats | as lows as 7.75% | .02123288% |
| New Motorcycles | as low as 7.49% | .02052055% |
| Used Motorcycles | as lows as 7.75% | .02123288% |
| Side by Side (UTV)/ ATV | as low as 7.49% | .02052055% |
| Personal Loan (up to $15,000.00) | as low as 9.90% | .02712329% |
| Share Secured | 5.00% | .0136986% |
| VISA® Classic Card ($500.00 – $7,500.00) | 10.90% | .0298630% |
| VISA® Platinum Card ($2,500.00 - $10,000.00) | 6.99% | .0191506% |
*APR=Annual Percentage Rate. Your loan rate and term may vary depending on individual credit history and underwriting factors. In some cases, we may be able to offer rates lower than the above stated rates. Read the full VISA® Credit Card Disclosures.
Home Equity Rates ~ Effective November 2, 2022
| Loan Type | APR* | Daily Periodic Rate |
|---|---|---|
| Home Equity Line of Credit | Call VITAL FCU for current rates | -- |
*APR=Annual Percentage Rate. Your loan rate and term may vary depending on individual credit history and underwriting factors.
Savings Rates ~ Effective October 1, 2022
| Account Type | Balance to Earn APY | Dividend Rate | APY* | Minimum Opening Deposit |
|---|---|---|---|---|
| Regular Shares | $500.00 | 0.10% | 0.10% | $5.00 |
| IRA Share | Balances up to $9,999,999.99 | 0.30% | 0.30% | None |
| Elite Checking | $150.00 – $2,499.00 | 0.10% | 0.10% | $2500.00 |
| Elite Checking | $2,500.00 – $14,999.00 | 0.20% | 0.20% | $2500.00 |
| Elite Checking | $15,000.00 – $24,999.00 | 0.20% | 0.20% | $2500.00 |
| Elite Checking | Balances over $25,000.00 | 0.30% | 0.30% | $2500.00 |
| Christmas Club | Balances up to $9,999,999.99 | 0.10% | 0.10% | None |
| Checking | $150.00 | 0.10% | 0.10% | None |
*APY=Annual Percentage Yield. Rates are variable and may change after time of account opening. Fees may reduce the earnings on accounts. Please see our Truth in Savings or contact the credit union for full account requirements and fees. A penalty may be imposed for early withdrawal. Rates subject to change.
Dividends compound and are credited quarterly for Regular Shares, Christmas Club, and IRA Shares. Dividends compound and are credited monthly for Regular and Elite Checking.
Share Certificate Rates ~ Effective January 1, 2024
| Account Type | Minimum Deposit | Dividend Rate | APY* |
|---|---|---|---|
| 12 Month Share Certificate | $500.00 | 3.75% | 3.80% |
| 24 Month Share Certificate | $500.00 | 2.50% | 2.52% |
| 36 Month Share Certificate | $500.00 | 3.00% | 3.03% |
| 12 Month IRA Share Certificate | $500.00 | 3.75% | 3.80% |
| 24 Month IRA Share Certificate | $500.00 | 2.50% | 2.52% |
| 36 Month IRA Share Certificate | $500.00 | 3.00% | 3.03% |
*APY=Annual Percentage Yield. Please see our Truth in Savings or contact the credit union for full account requirements and fees. A penalty may be imposed for early withdrawal. Early withdrawal penalties for 12 Month Share Certificates are 30 days dividends. Early withdrawal penalties for 24 and 36 Month Share Certificates are 90 days dividends. Rates subject to change. Dividends compound and are credited quarterly for all Certificate accounts.
IRA accounts are no longer offered. IRA rates are for current IRA accounts only.
Subject to Credit Approval. Terms and Conditions subject to change without notice.
Fee Schedule
| Share Account | Fee |
|---|---|
| Savings Excessive Withdrawal | $5.00 per transaction after two per month |
| Savings NSF | $30.00 per item |
| Christmas Club Withdrawal | $5.00 per transaction (Waived between Oct 1 – Dec 31) |
| Share Draft Account | Fee |
|---|---|
| Interim Statement | $2.00 per copy |
| Draft Copy | $2.00 per copy |
| Overdraft Privilege* | $30.00 per transaction |
| NSF | $30.00 per item |
| Stop Payment | $30.00 per request |
| Fresh Start Checking | $15.00 per month |
| Re-Open Account (within one year) | $15.00 for Basic/Elite Checking, $30.00 for Fresh Start Checking |
| IRA Account | Fee |
|---|---|
| Withdrawal Fee** | $10.00 per withdrawal |
| Close account within 12 months of opening | $50.00 |
| Other Service (applicable to all accounts) | Fee |
|---|---|
| Account Reconciliation | $25.00 per hour |
| Paper Statement Fee (waived for members under 18 & over 55) | $2.00 per statement |
| Statement Copy | $2.00 per copy |
| Deposited Item Return | $12.00 per item |
| Debit Card Replacement Fee/ Debit Card Rush Delivery Fee | $20.00/ $50.00 |
| Pull Debit Card Fee*** | $15.00 |
| Incorrect Address | $5.00 |
| Certified Check | $3.00 per check |
| Certified Check Return for Correction | $20.00 per check |
| Loan Payment by Debit Card | $5.95 per transaction |
| Electronic Funds Transfer | Fee |
|---|---|
| Nonproprietary ATM Withdrawal/Transfer/Inquiry | $2.25 |
| NSF Via ATM & ACH* | $30.00 |
| Return ACH Origination | $20.00 |
| Wire Transfer | Fee |
|---|---|
| National (Outgoing) | $15.00 |
| Wire Transfer (Incoming) | $5.00 per transfer |
| Miscellaneous | Fee |
|---|---|
| Cash Check | $10.00 |
| Dormant Account | $5.00 per month after 12 months w/ no activity (charged monthly) |
| Business Accounts**** | $25.00 per month |
| Chargeback Revocation | $30.00 per occurrence |
| Safety Deposit Boxes | Fee |
|---|---|
| 3×5 | $20.00 per year |
| 3×10 | $25.00 per year |
| 5×10 | $30.00 per year |
| 10×10 | $40.00 per year |
| Share Value/Membership | Fee |
|---|---|
| Pare Value of One Share | $5.00 |
| Membership | $1.00 |
*We Do Not authorize and pay overdrafts for the following types of transaction unless you ask us to: ATM transactions or everyday debit card transactions. We Do authorize and pay overdrafts via checks or ACH made using your checking account number. If we do not authorize and pay an overdraft, your transaction will be declined. Under our standard overdraft practices: We will charge you a fee of $30.00 each time we pay an overdraft. There is no limit on the total fees we can charge you for overdrawing your account. The maximum we will authorize or pay is $500.00 including any fees. You will have 30 days to repay the overdraft.
** IRA withdrawal fee does not apply to required IRA distributions.
*** Pull fee only applies if member requests to have debit card sent to a branch location instead on address on file.
**** Business account fees only apply to existing business accounts. At this time, we do not offer business accounts.