Effective Interest & Dividend Rates as of July 23, 2013

*Discount APR figured with approved credit AND automatic/electronic payment

**Vehicle Loan Example - $20,000 @60 mo with APR 2.99% - 3.045 APY

Secured Loans *APR
(Annual % Rate)
Term
Down Payment May Be Required    
New Autos, Boats, Motorcycles, etc.    
A credit *2.99 up to 60 mo
B credit

*2.99

up to 60 mo
C credit 7.99 up to 60 mo
UsedAutos, Boats, Motorcycles, etc.    
A credit *3.99 up to 60 mo
B credit *3.99 up to 60 mo
C credit 9.99 up to 60 mo

 **  Ask about our 72 month Vehicle Loan Rates  **

Share Secured Loans: 3.59% + Current Dividend Rate on

Shares or CD

Loan Processing Fees:  Less Than $1,000 - $20.00

                                                             $1,000 and higher - $25.00

A Rate Discount up to .50% may be given for all unsecured loans if you have 2 of the following items with us:
Checking, Direct Deposit, MasterCard, CDs or Payroll Deduction.

Unsecured Loans APR* Term
 
    A+credit 11.50% n/a
    A credit 12.50% n/a
    B credit 13.50% n/a
    C credit 15.50% n/a

**APY=Annual Percentage Yield

Savings Rate APY** Term
Savings (minimum $20 + $5 fee) .100 .10 n/a
IRAs .600 .60 n/a
Money Market Tier Accounts Rate APY** Term
$2,500 - $9,999 .120 .12 n/a
$10,000 -$24,999 .140 .14 n/a
$25,000+ .160 .16 n/a
       
       

 

Certificates of Deposits Rate APY** Term
$1,000+      
6 month .250 .25 6 mo
12 month

.399

.40 12 mo
24month .549 .55 24 mo
36 month .748 .75 36 mo
       
       
       
       
       
       

**APY=Annual Percentage Yield
A penalty will be imposed for early withdrawal.
Rates may change at any time.

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Fee Schedule
 
 
 

Fee Description                  Fee

 

ACH                                              $5.00 set up & 

                                                       $2.00 recurring

Account History Printout              $1 00 @ page

Account Reconciliation                     $5.00 @ hr 

                                                           1 hr minimum

Account Research                           $25.00 @ hr

                                                         1 hr minimum

ATM Transaction (cu owned machine)

             (cu member—free, non-member—$2.50

Undeliverable Returned Mail                      $5.00

Cashiers Check                                    $5.00 each 

Copy of draft/check                                      $2.00

Copy of Statement                          $1.00 @ page

Deposited Item Return                   $10.00 @ item

W/drawals from savings              2 free @ month

                                      Then $2.00 @ withdrawal

Checking Minumum Daily Balance           $300.00

                Minimum Balance Fee                   $5.00

Money Orders                                                $1.00

Notary Service   (Mem  Only-Personal use)       Free

NSF Fee (including returned cu                    

      originated ACHs)                                   $35.00

Overdraft Fee                                                $35.00

Replace lost/stolen debt  card                     $10.00

Stop Payment                                                                 $35.00

Telephonic Request for Teller Assist           $2.00

Wire Transfer (outgoing)                             $20.00

Returned Wire Fee                                       $20.00

Wire Transfer (in-coming)                             $3.00

Christmas/Vacation Club Early W/drawal  $10.00

 On-line Access and Audio Response            Free

Skip-a-Payment (once a year)                      $35.00

Loan Processing          $1,000 and under    $20.00

                                        over $1,000             $25.00

Safe Deposit Box Fees (annual) 

       3 x 5                                $10.00 

       3 x 10                              $25.00 

       5 x 10                              $50.00

     10 x 10                              $65.00

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                  Fees Effective 9/1/2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CURRENT RATES

Auto Loan **2.99% APY
MasterCard **8.99% APY
Signature Loans **11.5% APY
CD's .75% APY**
view all **as low as
  as high as **
SPECIALS
Location    
  Main Office:  
  3305 E Elms Road
Killeen, TX 76542
Phone : 254-690-2274
Fax : 254-690-2708
 
Working Hours    
  Lobby:   Drive - thru:
  Monday - Friday
9:00 am - 5:00 pm
  Monday - Friday
7:30 am - 5:30 pm

Saturday
9:00 am - Noon