Rates
Effective
Rates & Fees Effective June 14, 2010 |
Savings Products
Product |
Minimum Balance to earn APY |
Dividend Rate |
Annual Percentage Yield (APY) |
Regular Savings |
$50.00 |
0.75% |
0.75% |
Money Market |
$2,500.00 |
1.00% |
1.01% |
Money Market |
$10,000.00 |
1.15% |
1.16% |
Money Market |
$25,000.00 |
1.35% |
1.36% |
Money Market |
$50,000.00 |
1.50% |
1.51% |
Escrow Accounts |
$50.00 |
0.25% |
0.25% |
Checking |
No minimum |
0.00% |
0.00% |
Christmas Club |
$50.00 |
0.50% |
0.50% |
Vacation Club |
$50.00 |
0.50% |
0.50% |
IRA Certificates |
$100.00 |
2.47% |
2.50% |
6-month Certificate |
$1,000.00 |
1.10% |
1.11% |
12-month Certificate |
$1,000.00 |
1.29% |
1.30% |
18-month Certificate |
$1,000.00 |
1.50% |
1.51% |
24-month Certificate |
$1,000.00 |
1.80% |
1.82% |
30-month Certificate |
$1,000.00 |
2.03% |
2.05% |
36 - 48 month Flex Certificate |
$1,000.00 |
2.47% |
2.50% |
60-month Certificate |
$1,000.00 |
3.00% |
3.04% |
Kids Club Certificate |
$400.00 |
1.10% |
1.11% |
Real Estate Products
Product |
Term |
Rate |
Fixed Mortgage |
30 years |
4.625% |
20 years |
4.500% |
|
15 years |
4.125% |
|
10 years |
4.125% |
|
Fixed Home Equity |
5 years |
5.500% |
10 years |
5.750% |
|
15 years |
6.000% |
|
20 years |
6.250% |
|
Home Equity Line of Credit |
5.000% |
|
Loan Products
Product |
Term |
Loan Amount |
Rate |
Line of Credit |
15.75% |
||
Visa Classic |
15.90% |
||
Visa Gold |
9.90% |
||
Signature Loan Unsecured |
14.50% |
||
Bill Consolidation Loan |
84 months |
$30,000.00 |
9.90% |
Savings Secured |
Savings Rate + 3.00% |
||
Certificate Secured |
Certificate Rate + 3.00% |
||
Personal Computer Loan |
36 months |
9.90% |
|
New Automobile |
36 months |
5.00% |
|
New Automobile |
48 months |
5.25% |
|
New Automobile |
60 months |
5.50% |
|
Used Automobile |
36 months |
5.50% |
|
Used Automobile |
48 months |
5.75% |
|
Used Automobile |
60 months |
6.00% |
|
New Boat/New RV |
120 months |
7.00% |
|
New Boat/New RV |
180 months |
7.25% |
|
Used Boat/Used RV |
120 months |
8.00% |
|
Used Boat/Used RV |
180 months |
8.25% |
|
Seasonal Loan |
24 months |
$2,000.00 |
12.00% |
Checking Accounts
Monthly Service Fee |
FREE |
Per Check Fee |
FREE |
Monthly Maintenance Fee |
FREE |
Starter Checks - First 10 |
FREE |
Additional Starter or Temporary Checks (5) |
$3.00 |
Stop Payment Order - Checks, ACH or Bill Pay |
$20.00 |
Check Certification |
$10.00 |
Photocopy of a Paid Check |
$2.00 |
Faxed copy of a Paid Check |
$4.00 |
Check Returned - Member issued |
$25.00 |
Check Returned - Deposited Item |
$20.00 |
Nonsufficient Funds for Preauthorized Withdrawal |
$25.00 |
Nonsufficient Funds for Bill Pay Withdrawal |
$35.00 |
Overdraft Protection (Share/Loan Transfer) |
$2.00 |
Manual Processing/Clearing - Checks, ACH or Bill Pay |
$5.00 |
Checking Activity Printout (Per Month) |
$2.00 |
Check Printing (Fee Based on Style Ordered) |
VARIES |
Money Market Accounts
Checks written for under $250 |
$10.00 |
In excess of 6 checks per month |
$10.00 |
Monthly below minimum fee (below $500) |
$5.00 |
Credit Cards
Overlimit Fee |
$15.00 |
Delinquent Payment Fee |
$25.00 |
Photocopy of Visa Sales Draft |
$5.00 |
Manual post Visa Debit/Credit transaction |
$5.00 |
Visa Gift Card Purchase |
$3.00 |
Replace Lost VISA Card/PIN |
$5.00* |
* Initial replacement card is $5.00, any subsequent cards will be charged $10.00
ATM Cards
Balance Inquiry |
$1.25 |
Transfer |
$1.25 |
Withdrawal |
$1.25** |
Withdrawal from TOHEFCU ATM Machines |
FREE |
Replacement Card (Lost/Damaged) |
$5.00* |
* Initial replacement card is $5.00, any subsequent cards will be charged $10.00
** Members receive five (5) free withdrawals per calendar month.
Miscellaneous
Home Banking www.tohefcu.org |
FREE |
Bill Payment |
FREE |
"ET" - Electronic Teller Audio Response System |
FREE |
Notary Public |
FREE |
Tax Levy Processing |
$30.00 |
Restraining Notice Processing |
$30.00 |
Court Ordered Processing (Check Copies, etc) |
$75.00 |
Replacement of Lost Coupon Payment Booklets |
$5.00 |
Replacement Membership Card (Lost/Damaged) |
$3.00 |
Wire Transfer Fee (Outgoing - Domestic) |
$20.00 |
Wire Transfer Fee (Outgoing - Foreign) |
$40.00 |
Wire Transfer Fee (Incoming) |
FREE |
Incoming Book Transfer |
$20.00 |
Collection Item Processing |
$20.00 |
Collection for Deposited Canadian Item |
$5.00 |
Foreign Item Collection Fee |
$25.00 |
Photocopy (other than drafts) |
$4.00 |
Account Balancing Assistance (minimum 1 hour) |
$20.00/hr. |
American Express Travelers Cheques |
FREE |
American Express Gift Cheques |
$2.50 |
American Express Gift Cards |
$3.95 |
Money Orders |
$2.00 |
Signature Verification |
$2.00 |
Signature Verification - Medallion Stamp Program |
$10.00 |
Non-Notification of Change of Address |
$5.00 |
Deposit Verifications (From Other Institutions) |
$5.00 |
Below Minimum Balance (Savings - Monthly) |
$5.00 |
Inactive Account Fee (Quarterly/After two years) |
$5.00 |
New Account Closing Within 90 Days (Savings/Checking) |
$25.00 |
Holiday Club Withdrawal |
$5.00 |
Vacation Club Excessive Withdrawals (Over 3 per Year) |
$5.00 |
Abandoned Property Fee |
$25.00 |
HELOC check written for less than $500 |
$10.00 |
Copy of Credit Union Official Checks |
$5.00 |
Stop Payment of Credit Union Official Check |
$20.00 |
Third Party Official Checks |
$5.00 |
Return of Deposited Check |
$20.00 |
Return of Deposited Check Drawn on Member's Account at Another Financial Institution |
$35.00 |