Competitive Rates


Dividend Rates

Effective 12/1/2018


Description Minimum Balance APR* APY*
Regular Savings / Club Accounts $0.01 - $99.99 0% 0%
- $100.00 - $249.00 .05% .05%
- $250.00 + .10% .10%
Youth Savings Accounts $5.00 - $249.00 .05% .05%
- $250.00 + .10% .10%
Money Market $2,500.00 - $9,999.99 .30% .30%
- $10,000.00 - $24,999.99 .40% .40%
- $25,000.00 .50% .50%
6 Month Share Certificate** $500.00 .75% .75%
12 Month Share Certificate** $500.00 1.00% 1.00%
24 Month Share Certificate** $500.00 1.05% 1.05%

*APR - Annual Percentage Rate APY - Annual Percentage Yield. **Penalties incurred for early withdrawal on share certificates. Rates and Fees are subject to change at any time.

Loan Rates

Effective 12/1/2018


Loan Type Loan Limits Terms APR* Loan Criteria
Share Secured

100% of  Share Account balance

1-5 years

3% above Savings Account rate

Hold on Share Account until loan is paid in full.

Certificate Secured

100% of certificate balance

1-2 years

3% above Certificate rate

Loan to be paid in full by certificate maturity date. Hold on certificate.

New Vehicles

Up to 100% of MSRP based on credit score

Terms and  APR rates vary depending on year of vehicle. Call office for details.

1st lien position. Vehicle fully insured. EMFCU named as loss payee.

Used Vehicles

Up to 100% of NADA retail value based on cr. score

Terms and APR rates vary depending on year of vehicle. Call office for details.

1st lien position. Vehicle fully insured. EMFCU named as loss payee.

Recreation Vehicles and Motorcycles

Up to 100% of NADA retail value based on cr. score

1-6 years

>6-12 years

4.99%

5.99%

New to 7 years old. 1st lien position. Vehicle fully insured. EMFCU named as loss payee.

Mobile Homes

Min. loan of $5,000 or up to 80% of NADA book value

1-5 years

5.1-10 yrs.

7.49%

7.99%

UCC filing on home. 1st position lien only.

Equity-Mortgage Loans 1st & 2nd Position (Home Improvement Loans)

$10,000-$100,000

APR rates vary weekly. Call for specific information.

Additional terms apply. Call Loan Dept. for details (826-1976).

75%-90% Loan-to-Value

H/E Lines of Credit

$10,000-$100,000

3-15 Years

A Paper= Prime Rate

B = Prime 0.25%

C = Prime 0.50%

D = Prime 1.00%

Same as above. Rate may change quarterly.

Prime rate currently 5.25%.

LTV Ratios-Same as fixed.

Personal or Consolidation

$1,000-$10,000

Up to 3 years 8.49%

Up to 5 years 8.99%

Signature loans are based on credit qualifications.

Collateral or cosigner required in some instances.

Summertime or Holiday

Loan limits may vary year by year

12 months

Set by Board prior to each promotion

Based on credit qualification.

Collateral or cosigner required in some instances.

Mastercard $500-$15,000

8.99%

to

11.99%

APR rate is based on credit qualifications & credit limit

Revolving Line of Credit

No annual fees

18.00% default rate

Service Fee Schedule


Service Fee
Membership/New Account Fee $5.00
MetroLine Audio Response FREE
Online Banking FREE
Statement Copy (per page) $2.00/pg.  Max. $50.00
Bill Pay  FREE*
Online Bill Pay – Overnight check fee $19.95
Online Bill Pay – Second Day check fee $14.95
Online Bill Pay – Second Day Electronic fee $4.95
Share Withdrawals – 6 FREE per month $1.00
Official Check - free if payable to member $5.00
Holiday Club Account Early Withdrawal $20.00
Dormant Account Fee – 12 months no activity $10.00/mo.
Legal Action Compliance (levy/restraint/subpoena) $75.00
Account Research Fee/Reconciliation  (per hour) $25.00
Telephone Inquiries/Transfer Fee $1.00
Member Fax Request $2.00/pg.
Transaction Printout $2.00/pg.  Max. $50.00
Photocopies $1.00/pg.
Member Receipt Copy $3.00
Draft Copy (in-branch) $3.00
Draft Copy (mailed) $4.00
Draft Copy (faxed) $5.00
Mailing Fee $1.00
Certified Draft $10.00
Money Orders $1.00
Outgoing Wire – Domestic $25.00
Incoming Wire – Domestic $10.00
Outgoing and Incoming Wire – International $40.00
Check Cashing Fee (less than $100 on deposit) $3.00
Check Cashing Fee - Non Member over $100 $5.00

Foreign Item Check Deposit (Exchange and Bank Collection fees will apply)

$5.00
Returned Mail fee $5.00
Copy of Deposited Check $5.00
No Current Address on File (per quarter) $5.00
Protest Check Fee $25.00
Account Close – within 90 days $15.00
Reopen Closed Account $10.00
Notary Service ($2.00 non-members) FREE
Stop Payment Order $25.00
Returned Deposited Check $30.00

Share Draft and ACH Fees


Service Fee
Share Draft / ACH NSF Fee $30.00
Share Draft / ACH Courtesy Pay Fee

$30.00

Share Overdraft Transfer $ 7.50

Visa Debit Card Fees


Service Fee
Withdrawal (Possible charge by ATM Owner) FREE
Point of Sale Transactions FREE
Courtesy Pay Fee $30.00
NSF Fee $30.00
PIN Replacement $5.00
Replacement Card (Lost or Damaged) $10.00
Replacement Card RUSH Fee $25.00

MasterCard Fees


Service Fees
Late Fee (maximum) $27.50
Cash Advance Fee (not EMFCU MC) $10.00
PIN Mailer Replacement $ 5.00
Replacement Card (Lost or Damaged) $10.00
Replacement Card RUSH Fee $25.00
Statement Replacement $ 5.00
Overlimit Fee $27.50
Returned Check Fee $27.50

Loan Fees


Service Fees
Late Fee (minimum) $27.50
Auto Lien Filing Fee (at time of loan) $15.00
Canceled Loan Application Fee $ 5.00
Duplicate Lien Release $20.00
Duplicate Mortgage Discharge $20.00