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Rates & Fees
New Vehicle Loans| Used Vehicle Loans| Boat/Motorcycle/Personal Watercraft/ATV/Farm Equipment| Recreational Vehicle/Camper| Special Personal/Christmas/Vacation Loans| Personal Loans/Lines of Credit/OverDraft Proctection| Share or Term Share Certificate Secured Loans| Home Equity Line of Credit| Regular Shares (Savings)| IRA (Traditional or Roth) and Coverdell Education Share (Savings) Accounts| Term Share Certificates |Fee Schedule
"As Low As" Rates effective as of 12/15/2011
Rates may be higher based on credit score, credit history, credit union relationship, payment option, etc.
All rates subject to change without notice. Call for details.
New Vehicle Loans (2011 or newer)
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| Standard |
2.65
|
3.15 |
4.49 |
7.00 |
10.00 |
Used Vehicle Loans
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| (2009 - 2012) |
2.65 |
3.15 |
4.49 |
7.00 |
10.00 |
| (2006 - 2008) |
4.75 |
5.25 |
6.49 |
9.00 |
12.00 |
| (2002 - 2005) |
7.25 |
7.75 |
9.00 |
11.49 |
14.49 |
Motorcycles
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| New (2011 - 2012) |
4.25 |
4.75 |
5.75 |
7.75 |
10.75 |
| Used (2009 - 2012) |
5.25 |
5.75 |
6.75 |
8.75 |
11.75 |
| Used (2006 - 2008) |
7.00 |
7.49 |
8.75 |
10.75 |
13.75 |
| Used (2002 - 2005) |
9.25 |
9.75 |
11.00 |
13.00 |
16.00 |
Boats/Personal Watercraft/ATVs
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| New (2011 - 2012) |
5.49 |
6.00 |
7.25 |
9.25 |
12.25 |
| Used (2009 - 2012) |
6.49 |
7.00 |
8.25 |
10.25 |
13.25 |
| Used (2006 - 2008) |
7.49 |
8.00 |
9.25 |
11.25 |
14.25 |
| Used (2002 - 2005) |
9.25 |
9.75 |
11.00 |
13.00 |
16.00 |
Farm Equipment -small tractors, mowers, etc.
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| New (2011 - 2012) |
5.49 |
6.00 |
7.00 |
9.00 |
12.00 |
| Used (2009 - 2012) |
7.00 |
7.49 |
8.49 |
10.49 |
13.49 |
| Used (2006 - 2008) |
7.75 |
8.25 |
9.25 |
11.25 |
14.25 |
| Used (2002 - 2005) |
9.25 |
9.75 |
10.75 |
12.75 |
15.75 |
Recreational Vehicle/Camper
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| New (2011 - 2012) |
6.75 |
7.25 |
8.49 |
10.49 |
13.49 |
| Used (2009 - 2012) |
7.75 |
8.25 |
9.49 |
11.49 |
14.49 |
| Used (2006 - 2008) |
8.25 |
8.75 |
10.00 |
12.00 |
15.00 |
| Used (2002 - 2005) |
9.25 |
9.75 |
11.00 |
13.00 |
16.00 |
Special Personal/Christmas/Vacation Loans (up to $2500 maximum). Some conditions apply. Limit one per member.
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| Short Term |
6.24 |
7.24 |
10.24 |
13.24 |
16.24 |
Lines of Credit/OverDraft Proctection
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| |
9.49 |
11.49 |
13.49 |
15.49 |
18.00 |
Minimum Payments on Open End Lines of Credit/Overdraft Protection Loans: Your minimum payment for personal lines of credit or overdraft protection (also a line of credit) shall be $25. Payments are calculated at 6% of the balance after the advance is taken. Maximum loan amounts based on credit score tiers and other underwriting criteria.
Personal Loans
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| |
8.49 |
10.49 |
12.49 |
14.49 |
16.49 |
Share or Term Share Certificate Secured Loans
| Credit Rating |
Not Applicable |
| Share Secured (all loans mature in one year) |
3% above dividend rate paid previous quarter |
| Term Share Certificate Secured |
2% above dividend rate paid on term share certificate; due on certificate maturity |
Home Equity Line of Credit
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| LTV* Less than or equal 80% |
WSJPR* less .25% |
WSJPR* less .25 |
WSJPR* less .25% |
WSJPR* less .25% |
N/A |
| LTV* greater than 80% but less than or equal to 90% |
WSJPR* plus .50% |
WSJPR* plus .50% |
WSJPR* plus .50% |
WSJPR* 3.00% |
N/A |
| LTV* greater than 90% but less than or equal to 100% |
WSJPR* plus 1.50% |
WSJPR* plus 1.50% |
WSJP* plus 1.50% |
N/A |
N/A |
WSJPR* denotes Wall Street Journal Prime Rate
LTV* denotes Loan to Value. The first mortgage balance PLUS the Home Equity Line of Credit limit divided by the appraised value of the property.
On all Home Equity Line of Credit Loans, property insurance is required and flood insurance may be required. Consult your tax advisor regarding tax deductibility. Estimated closing costs are usually between $400 to $1,000. The APR is variable and subject to change quarterly based on changes to the Wall Street Journal Prime Rate. The APR will not be less than 4.75% or exceed 18%. The Wall Street Journal Prime Rate as of 12/01/2011 is 3.25%. Floor rate of 4.75% now in effect.
Loans with LTVs greater than 80% have been temporarily suspended.
Other restrictions may apply.
Maximum loan amounts based on credit score tier and other underwriting criteria for all of the above category of loans.
Rates on Regular Shares and Term Share Certificates
Regular Shares (Savings)
| |
Minimum Deposit^ |
Dividend Rate |
APY* |
Term |
| Regular Share (Savings) Account and sub accounts |
100.00 |
.10 |
.10 |
n/a |
| Christmas Club Share (Savings) Account< |
5.00 |
.10 |
.10 |
n/a |
| Share Draft (Checking) Account |
|
0.00 |
0.00 |
n/a |
Minimum Deposit^ - minimum deposit to earn interest
<Christmas Club disbursement date is the night of Wednesday, November 7, 2012. Disbursements will be made to your AgFirst Federal Credit Union share or share draft (checking) account. If you do not notify us as to which account to transfer the funds, the funds will be transferred to the regular share account. No checks will be mailed automatically. You may call on November 8th and request a check by mail. Account will be charged a fee for early withdrawal. See Fee Schedule below. Fee will affect APY on account.
Rates are determined by the Board of Directors at the end of each quarter. Rates shown are previous quarter's rates.
IRA (Traditional or Roth) and Coverdell Education Share (Savings) Accounts
| |
Minimun Deposit^ |
Dividend Rate |
APY* |
Term |
| Traditional IRA Share (Savings) Account |
100.00 |
.50 |
.50 |
n/a |
| Roth IRA Share (Savings) Account |
100.00 |
.50 |
.50 |
n/a |
| Coverdell Education Share (Savings) Account |
500.00 |
.50 |
.50 |
n/a |
Minimum Deposit^ - minimum deposit to earn interest
Rates determined by the Board of Directors at the end of each quarter. Rates shown on IRA and Coverdell Education Accounts are previous quarter's rates.
Term Share Certificates
| |
Minimum Deposit |
Dividend Rate |
APY* |
Term in months |
| Regular, Traditional, Roth and Coverdell - up to $9,999.99 |
500.00 |
.15 |
.15 |
3 |
| Regular, Traditional, Roth and Coverdell - up to $9,999.99 |
500.00 |
.20 |
.20 |
6 |
| Regular, Traditional, Roth and Coverdell - up to $9,999.99 |
500.00 |
.25 |
.25 |
9 |
| Regular, Traditional, Roth and Coverdell - up to $9,999.99 |
500.00 |
.30 |
.30 |
12 |
| Regular, Traditional, Roth and Coverdell - up to $9,999.99 |
500.00 |
.35 |
.35 |
18 |
| Regular, Traditional, Roth and Coverdell - up to $9,999.99 |
500.00 |
.40 |
.40 |
24 |
| Regular, Traditional, Roth and Coverdell - up to $9,999.99 |
500.00 |
n/a |
n/a |
36 |
| Regular, Traditional, Roth and Coverdell - $10,000 up to $24,999.99 |
10000.00 |
.15 |
.15 |
3 |
| Regular, Traditional, Roth and Coverdell - $10,000 up to $24,999.99 |
10000.00 |
.20 |
.20 |
6 |
| Regular, Traditional, Roth and Coverdell - $10,000 up to $24,999.99 |
10000.00 |
.25 |
.25 |
9 |
| Regular, Traditional, Roth and Coverdell - $10,000 up to $24,999.99 |
10000.00 |
.30 |
.30 |
12 |
| Regular, Traditional, Roth and Coverdell - $10,000 up to $24,999.99 |
10000.00 |
.35 |
.35 |
18 |
| Regular, Traditional, Roth and Coverdell - $10,000 up to $24,999.99 |
10000.00 |
.40 |
.40 |
24 |
| Regular, Traditional, Roth and Coverdell - $10,000 up to $24,999.99 |
10000.00 |
n/a |
n/a
|
36 |
| Regular, Traditional, Roth and Coverdell - $25,000.00 up to $49,999.99 |
25000.00 |
.15 |
.15 |
3 |
| Regular, Traditional, Roth and Coverdell - $25,000.00 up to $49,999.99 |
25000.00 |
.20 |
.20 |
6 |
| Regular, Traditional, Roth and Coverdell - $25,000.00 up to $49,999.99 |
25000.00 |
.25 |
.25 |
9 |
| Regular, Traditional, Roth and Coverdell - $25,000.00 up to $49,999.99 |
25000.00 |
.30 |
.30 |
12 |
| Regular, Traditional, Roth and Coverdell - $25,000.00 up to $49,999.99 |
25000.00 |
.35 |
.35 |
18 |
| Regular, Traditional, Roth and Coverdell - $25,000.00 up to $49,999.99 |
25000.00 |
.40 |
.40 |
24 |
| Regular, Traditional, Roth and Coverdell - $25,000.00 up to $49,999.99 |
25000.00 |
n/a |
n/a |
36 |
| Regular, Traditional, Roth and Coverdell - $50,000 or more |
50000.00 |
.20 |
.20 |
3 |
| Regular, Traditional, Roth and Coverdell - $50,000 or more |
50000.00 |
.25 |
.25 |
6 |
| Regular, Traditional, Roth and Coverdell - $50,000 or more |
50000.00 |
.30 |
.30 |
9 |
| Regular, Traditional, Roth and Coverdell - $50,000 or more |
50000.00 |
.40 |
.40 |
12 |
| Regular, Traditional, Roth and Coverdell - $50,000 or more |
50000.00 |
.45 |
.45 |
18 |
| Regular, Traditional, Roth and Coverdell - $50,000 or more |
50000.00 |
.50 |
.50 |
24 |
| Regular, Traditional, Roth and Coverdell - $50,000 or more |
50000.00 |
n/a |
n/a |
36 |
A substantial penalty, which will affect yield, will be imposed for early withdrawals on term share certificates.
Rates are subject to change without notice.
The Fee Schedule below is accurate and effective for all accounts as of December 1, 2011. If you have any questions, please contact us.
Fee Schedule
| Dormant Account - Regular Share (Savings), Club and Sub Accounts |
$5 per month if dormant one year or more and if dormant account letter is not signed and returned |
| Returned Mail Fee |
$4 per occurrence (outdated or bad address) |
| Excessive Withdrawal Fee - Regular Share (Savings) and Sub Accounts |
$3 per withdrawal if over twelve withdrawals per quarter |
| Christmas Club Early Withdrawal Fee |
$10 per withdrawal prior to November disbursement date
|
| Early Closing Fee |
$10 if account closed within 90 days |
| Check Printing Fee |
Prices vary depending on style chosen |
| Copy of Member's Check |
$3 per check if requested through CU staff; $1 per check if accessed by member through Access My Account; Free if accessed by member through E-Statements |
| NSF Check (Not Sufficient Funds) |
$27.50 per check |
| Stop Payment-Regular Check or ACH Draft |
$27.50 per check |
| Account Research |
$25 per hour;$25 minimum |
| Account Reconciliation |
$25 per hour; $25 minimum |
| Copy of CU Corporate Check |
$4.75 per check |
| Excessive Corporate Check Fee |
$2 per check if over three written per month |
| Overnight Delivery |
$8 per envelope, standard overnight |
| Printed History of Account Transactions |
$5 per calendar month of transactions requested |
| Statement Copies |
$5 per statement |
| Returned Item Fee |
$27.50 per item |
| Stop Payment - CU Corporate Check |
$7.50 per check if less than $2500; $15 per check if over $2500 |
| Wire Transfer Out - Domestic |
$15 per wire |
| Wire Transfer Out - International |
Cost plus $7.50 |
| Wire Transfer In - Domestic |
$5 per wire |
| ACH/Debit Card NSFs |
$27.50 per item |
| ATM Transactions |
Six FREE ATM transactions per month. Can include withdrawals, transfers and inquiries, or any combination thereof.
On the seventh transaction, the account will be charged as follows: $1 per withdrawal; $.50 per inquiry and $1 per transfer
|
| ATM Card Replacement |
$7.50 per occurrence |
| ATM Pin Replacement |
$2.50 per occurrence |
| Delinquent Loan Payment |
$20 per payment over 10 days past due |
|
