Rates & Fees

Share, Plus, MMA & Certificate Rate Schedule Effective December 22, 2015

Product Rate Annual Percentage Yield Minimum Open Balance *Minimum Daily Balance Compounded and Paid
Regular shares .10% .10% $5.00 $6.01 Monthly
Main Money Account *** .00% .00% $500.00 $500 to $2,499.99 Monthly
Main Money Account *** .10% .10% $500.00 $2,500 to $24,999.99 Monthly
Main Money Account *** .15% .15% $500.00 $25,000 to $74,999.99 Monthly
Main Money Account *** .20% .20% $500.00 $75,000 to $99,999.99 Monthly
Main Money Account *** .30% .30% $500.00 $100,000 & over Monthly
Holiday Plus Shares .15% .15% $10.00 $10.00 Monthly
182 Day Certificate .05% 0.05% $1,000 $1,000 Monthly
182 Day Certificate .10% 0.10% $15,000 $15,000 Monthly
9 Month Certificate .10% 0.10% $1,000.00 $1,000.00 Monthly
9 Month Certificate .15% 0.15% $15,000.00 $15,000.00 Monthly
12 Month Certificate 0.249% 0.25% $1,000 $1,000 Monthly
12 Month Certificate 0.299% 0.30% $15,000 $15,000 Monthly
18 Month Certificate 0.299% 0.30% $1,000 $1,000 Monthly
18 Month Certificate 0.349% 0.35% $15,000 $15,000 Monthly
24 Month Certificate 0.449% 0.45% $1,000 $1,000 Monthly
24 Month Certificate 0.499% 0.50% $15,000 $15,000 Monthly
36 Month Certificate 0.698% 0.70% $1,000 $1,000 Monthly
36 Month Certificate 0.747% 0.75% $15,000 $15,000 Monthly
48 Month Certificate 1.045% 1.05% $1,000 $1,000 Monthly
48 Month Certificate 1.094% 1.10% $15,000 $15,000 Monthly
60 Month Certificate 1.292% 1.30% $1,000 $1,000 Monthly
60 Month Certificate 1.342% 1.35% $15,000 $15,000 Monthly
Share Draft Checking – Regular N/A N/A $25.00 N/A N/A
*Minimum Daily Balance in order to earn dividends
*** $5.00 fee per withdrawal in excess of 6 per month

 

Loan Rates Effective February 17, 2017

Rate
New & Used Vehicles – Purchase or refinance * 2.25% APR 36 month financing
* 2.50% APR 48 month financing
* 2.50% APR 60 month financing
* 2.75% APR 72 month financing
* 3.00% APR 84 month financing
Recreational Vehicles, Boats, Travel Trailers, 5th Wheels, Motorcycles, etc. – Purchase or refinance * 4.15% APR 48 month financing
* 4.65% APR 60 month financing
* 5.15% APR 72 month financing
* 5.65% APR 84 month financing
Line of Credit 9.50% APR
Line of Credit Overdraft Protection 13.50% APR
VISA CLASSIC – Fixed Rate, no annual fee 11.95% APR
VISA PLATINUM & VISA GOLD – Fixed Rate, no annual fee 9.95% APR
VISA STUDENT – Fixed Rate, no annual fee 11.95% APR
Signature 10.00% APR
Certificate Secured 2% Over Certificate Rate Securing
Home Equity Line of Credit (HELOC) Prime plus 1.50% 5.50% APR (floor)
Variable rate subject to change calendar quarterly
Rate Adder: *1.00% APR for second mortgage.
Personal Property Loans For purchases of items such as hot tubs, ATV’s, tractors, etc. that are not titled. * 9.00% APR
Real Estate – Fixed Rate –
Purchase, Refinance or EquityRental/Non-owner occupied –
Vacation Home -Bare Land –
*4.00% APR – Up to 60 months
*4.15% APR – 84 months
*4.25% APR – 120 months
*4.25% APR – 180 months
Rate Adders: *1.00% APR – Second Mortgage
* 6.50% APR – 5 Year call Up to 120 month amortization
* 7.50% APR – 7 Year call Up to 180 month amortization
* 8.00% APR
Manufactured Home Loans – on own land with foundation New and Used – financing 80% of purchase price or value whichever is less. Up to 180 month financing * 8.00% APR
 * .50% add-on if model year 5+ years old (2012)

 

IRA and IRA Certificate Rate Schedule Effective June 17, 2014

Product Rate Annual Percentage Yield Minimum Open Balance *Minimum Daily Balance Compounded and Paid
IRA shares .10 % 0.10 % $1,000 $1,000 Monthly
ROTH IRA, Educational IRA .10 % 0.10 % $1,000 $1,000 Monthly
6 Month IRA Certificate 0.05% 0.05% $1,000 $1,000 Monthly
9 Month IRA Certificate 0.10% 0.10% $1,000 $1,000 Monthly
12 Month Education IRA Certificate 0.249% 0.25% $1,000 $1,000 Monthly
12 Month IRA Certificate 0.249% 0.25% $1,000 $1,000 Monthly
18 Month IRA Certificate 0.299% 0.30% $1,000 $1,000 Monthly
24 Month IRA Certificate 0.449% 0.45% $1,000 $1,000 Monthly
36 Month IRA Certificate 0.698% 0.70% $1,000 $1,000 Monthly
48 Month IRA Certificate 1.045% 1.05% $1,000 $1,000 Monthly
60 Month IRA Certficate 1.292% 1.30% $1,000 $1,000 Monthly
*Minimum Daily Balance in order to earn dividends

 

Fee Schedule Effective June 17, 2013

Share Draft Account Fees
Paid Overdraft (NSF) Returned Overdraft Fee $25.00 per item $25.00 per item
ACH Overdraft $25.00 per item
Deposited Item Return $25.00 per item
Stop Payment $25.00 per item or for series
Share Draft Printing $ varies with style
Money Market below $1000 balance $10.00 monthly
IRA Share below $500 balance $20.00 monthly
Other Service Fees (applicable to all accounts)
Account Reconciliation $10.00 per hour
Statement or Check Copy $ 2.00 per copy
Items Sent for Collection $10.00 per item
Wire Transfer (incoming/outgoing) $20.00 per transfer
Wire Transfer (international) $35.00 per transfer
Credit Union Check $ 2.00 per check
Cashier’s Check $ 5.00 per check
Account Closure $5.00 if closed within 30 days of opening account
Inactive/Dormant Account $ 5.00 per month
Debit Card Replacement Card $ 5.00 per occurrence
VISA (Debit or Credit) Draft Copy (non-disputed) $10.00 per item
PIN Number Replacement $ 1.00 per occurrence
Legal Process (lien/garnishment, etc) Varies, $50.00 per account minimum.
Share Account Withdrawal Limitations to Avoid Fees is 6 or Fewer Each Month* *$5.00 per withdrawal in excess of 6 per month.
Main Money Account Withdrawal Limitations To Avoid Fees Is 6 or Fewer Each Month* *$ 5.00 per withdrawal in excess of 6 per month. This account may NOT be set as an overdraft target.
ATM Transaction Fee No Transaction Fee for EWEB EFCU ATMs $ 1.50 per transaction at ATMs not owned by EWEB EFCU
Holiday Club Account Withdrawal Limitations to Avoid Fees 2 per year $10.00 per withdrawal in excess of 2 per year. This account may NOT be set as an overdraft target.
Bad Address $ 5.00 per month
Credit Union Membership
Membership Share $ 5.00 par value for accounts opened after February 1, 1999
Member Share Holiday PLUS Account $10.00 par value
Draft Account Minimum Opening Deposit $25.00