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The following rates, terms, and conditions are
effective August 6, 2008 and are subject to change.
The ANNUAL PERCENTAGE RATE you receive for the following loan types will be within the range disclosed below and will be based on certain creditworthiness criteria.
Please refer to our Customized Pricing Program for details and contact
us for the rate you qualify for.
Investment & Retirement Accounts
|
Accounts |
APR (Annual Percentage Rate) |
APY (Annual Percentage Yeild) |
Fees, Charges & Conditions |
| Savings |
1.00% |
1.01% |
Dividends compounded quarterly |
| Special Purpose Savings |
1.00% |
1.01% |
Dividends compounded quarterly |
| Money Market Shares* | |||
| $2,500 - $9,999 |
1.49% |
1.50% |
Dividends compounded monthly |
| $10,000 - $24,999 |
2.18% |
2.20% |
Dividends compounded monthly |
| $25,000 - $49,999 |
2.38% |
2.40% |
Dividends compounded monthly |
| $50,000+ |
2.67% |
2.70% |
Dividends compounded monthly |
| The Annual Percentage Yield is variable after an account is opened. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements. * Minimum balance to earn dividends. | |||
|
Business Accounts |
APR (Annual Percentage Rate) |
APY (Annual Percentage Yeild) |
Fees, Charges & Conditions |
| Savings |
1.00% |
1.01% |
Dividends compounded quarterly |
| Special Purpose Savings |
1.00% |
1.01% |
Dividends compounded quarterly |
| Money Market Shares* | |||
| $2,500 - $9,999 |
1.49% |
1.50% |
Dividends compounded monthly |
| $10,000 - $24,999 |
2.18% |
2.20% |
Dividends compounded monthly |
| $25,000 - $49,999 |
2.38% |
2.40% |
Dividends compounded monthly |
| $50,000+ |
2.67% |
2.70% |
Dividends compounded monthly |
| The Annual Percentage Yield is variable after an account is opened. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements. * Minimum balance to earn dividends is $2,500. | |||
|
Retirement Accounts |
APR (Annual Percentage Rate) |
APY (Annual Percentage Yield) |
Fees, Charges & Conditions |
| Regular IRA Shares |
1.29% |
1.30% |
Dividends compounded quarterly |
|
Roth IRA Shares |
1.29% |
1.30% |
Dividends compounded quarterly |
|
Educational/Coverdell IRA Shares |
1.29% |
1.30% |
Dividends compounded quarterly |
| The Annual Percentage Yield is variable after an account is opened. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements. | |||
|
Certificates |
APR (Annual Percentage Rate) |
APY (Annual Percentage Yield) |
Fees, Charges & Conditions |
| 90-Day Share Certificate |
2.48% |
2.50% |
Dividends compounded quarterly |
|
180-Day Share Certificate |
2.99% |
3.00% |
Dividends compounded quarterly |
| 12-Month Share Certificate |
3.07% |
3.10% |
Dividends compounded quarterly |
| 18-Month Share Certificate |
3.12% |
3.15% |
Dividends compounded quarterly |
|
24-Month Share Certificate |
3.37% |
3.40% |
Dividends compounded quarterly |
| 12-Month IRA Share Certificate |
3.07% |
3.10% |
Dividends compounded quarterly |
| 24-Month IRA Share Certificate |
3.37% |
3.40% |
Dividends compounded quarterly |
| No loss of principal investment. No withdrawal penalties for catastrophic emergencies or death of an owner. A penalty may or may not be imposed for early withdrawal. The dividend payment method selected may affect certificate earnings. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements. | |||
|
APR (Annual Percentage Rate) |
Terms & Conditions | |
| New |
As low as 5.25% |
Up to 84 months (APR may vary) |
| Used |
As low as 5.25% |
Up to 84 months (APR may vary) |
| Classics & Collectibles |
As low as 7.75% |
Up to 60 months (APR may vary) |
|
Recreational Vehicle Loans |
APR (Annual Percentage Rate) |
Terms & Conditions |
| Aircraft |
As low as 6.95% |
Up to 144 months (APR may vary) |
| Boats |
As low as 6.75% |
Up to 240 months (APR may vary) |
| Motorcycles & Off-Road Vehicles |
As low as 6.50% |
Up to 60 months (APR may vary) |
| Motorhomes, Campers, & Trailers |
As low as 6.50% |
Up to 240 months (APR may vary) |
|
APR (Annual Percentage Rate) |
Terms & Conditions | |
| Signature |
As low as 11.40% |
Up to 60 months (APR may vary) |
| Line of Credit |
As low as 11.40% |
Revolving (APR may vary) |
| Miscellaneous Collateral |
As low as 7.25% |
Up to 84 months (APR may vary) |
| Pledge of Shares/Share Certificate |
Div Rate+ 3.00% |
Up to 144 months (APR may vary) |
|
APR (Annual Percentage Rate) |
Terms & Conditions | |
| Mini-Home Equity Line of Credit |
Currently as low as 6.50%(Variable rate as low as Prime+1.50%) |
Revolving (APR may vary) |
| Mini-Mortgage |
As low as 10.00% |
Up to 48 months (APR may vary) |
| Home Equity Line of Credit |
Currently as low as 4.50% (Variable rate as low as Prime -.50%) |
Up to 240 months (APR may vary) |
| Fixed Rate Equity Loan |
As low as 7.75% |
Up to 180 months (APR may vary) |
| Recreational Property |
As low as 8.25% |
Up to 144 months (APR may vary) |
|
Credit Union Services |
Applicable Fees & Conditions |
| Savings | Minimum balance of $5 required |
|
Under Minimum Balance |
$5.00 every 6 months |
| Bad Address | $5.00 |
| Inactive Account Fee (If combined balance falls below $50 with no member-initiated activity for 1 year. Waived if loan activity on same acct.) | $5.00 per month/per account |
| Checking | FREE if balance of $100 or more is maintained for the full calendar month |
| Maintenance Fee | $5.00 per month if balance of $100 or more is not maintained for the full calendar month |
| Non-Sufficient Funds (NSF) | $20.00 per item |
| NSF/Check Clearing Fee | $25.00 per item ($20 NSF & $5 Clearing Fee) |
| Transfer for Overdraft | $5.00 per transfer |
| First 2 Stop Payments in calendar year | $10.00 per item |
|
3rd-7th Stop Payments in calendar year |
$25.00 per item |
|
8th-12th Stop Payments in calendar year |
$30.00 per item |
| Copy of Cleared Check | $1.00 per item |
| Statement Copy | $2.00 per month |
| Counter Checks | $.25 each |
| Order of Checks | Varies |
| Rejected Item | $5.00 per item |
| IRA | FREE (Premature withdrawals up to 5 per year) |
| Premature Withdrawals | $25.00 each (more than 5 per year) |
| Other Services | |
| Cashiers Check | $2.00 each (Free if payable to self) |
| Money Order | $1.00 each |
| eNavigator! Online Bill Pay | 1st 12 per month FREE / 13+ per month $.50 each |
| ePay Online Bill Payment | 1st 90 days FREE / $4.95 per month thereafter |
| Stop Payment of Cashiers Check or Money Order | $10.00 each |
| ATM Surcharge | Varies (FREE within the Alaska ATM Alliance Network) |
| Instant Issue ATM Card | $5.00 per card |
| ATM/VISA Check Card Reissue | $5.00 per card |
| VISA Gift Card | $7.00 per card |
| VISA Passport Card | $7.00 per card |
| VISA Travel Money Card | $9.95 per card |
| Travelers Checks | 1% of amount purchased |
| Travelers Checks for Two | 1.5% of amount purchased |
| Gift Checks | $2.50 per item |
| Wire Transfer | $20.00 each |
| International Wire Transfer | $40.00 each |
| Outgoing Foreign Item Collection Fee | $25.00 each |
| Safe Deposit Boxes |
$40.00 per year for a 3"x5" box $40.00 per year for a 5"x5" box $60.00 per year for a 3"x10" box $70.00 per year for a 5"x10" box $85.00 per year for a 7"x10" box $105.00 per year for a 10"x10" box $125.00 New Key Fee |
| Notary for Member | FREE |
| Notary for Non-Member | $5.00 per individual |
| Verification of Deposit | $10.00 |
| DMV Document Rush | $10.00 |
| Returned Deposited Item (if written by self) | $20.00 per item |
| Research | $15.00 per hour ($5.00 minimum) |
| Levy/Garnishment Fee | $40.00 per item |
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