Rates & Fees

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Accounts

Rates are effective as of .

Comparison of all accounts.
TypeMinimum Balance1Dividend RateAnnual Percentage Yield
Regular Savings$5.000.05%0.05%
Youth Savings$5.000.05%0.05%
Savings Supreme$5,000.00 – $9,999.990.02%0.02%
$10,000.00 – $24,999.990.02%0.02%
$25,000.00 – $49,999.990.02%0.02%
$50,000.00 – $74,999.990.05%0.05%
$75,000.00 – $99,999.990.05%0.05%
$100,000.00 & Over0.05%0.05%
Christmas Club$25.000.05%0.05%2
IRA Savings$25.000.05%0.05%
Kasasa Saver**$0.00 – $50,000.002.23%2.25%
Over $50,000.000.35%0.35%
Qualifications Not Met0.02%0.02%
Kasasa Cash**$0.00 – $10,000.003.45%3.50%
Over $10,000.000.35%0.35%
Qualifications Not Met0.02%0.02%

Disclosures

1 Minimum Balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). The dividend rate and interest rate may change at any time without notice after the account is opened. Fees could reduce earnings. Dividends compounded monthly, except where noted. Ask an employee for further information about fees and terms applicable to the accounts.

2 Requires $5.00 Regular Savings. Dividends compounded quarterly. Cannot be combined with any other offer. Fees could reduce earnings.

** Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. 12 Debit Card Purchases, Monthly Direct Deposit/ACH credit, enrollment in eStatement are conditions of Kasasa Cash or Kasasa Cash Back accounts and the Kasasa Saver’s linked account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.


Share Certificates

Rates are effective as of .

Comparison of certificate options.
TypeMinimum Balance*Dividend RateAnnual Percentage Yield
(Dividends Compounded Monthly)
8 Month Special Certificate***$10,000.004.79%4.90%
13 Month Special Certificate***$10,000.004.55%4.65%
6 Month$500.000.20%0.20%
12 Month$500.000.25%0.25%
12 Month College Saver Certificate**$500.000.25%0.25%
18 Month$500.000.25%0.25%
24 Month$500.000.35%0.35%
36 Month$500.000.50%0.50%
48 Month$500.000.60%0.60%
60 Month$500.000.65%0.65%

Disclosures

*Minimum Balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). The dividend rate and interest rate may change at any time without prior notice. Fees could reduce earnings. A penalty may be imposed for early withdrawals.

**College Saver Certificate available to Youth Savings and Youth Checking members only. Periodic deposits of $25 or more are accepted.

*** Special certificates are not to be combined with any other offer. Penalty for early withdrawal. Fees could reduce earnings.


IRA Certificates

Rates are effective as of .

Comparison of IRA certificate options.
TypeMinimum Balance*Dividend RateAnnual Percentage Yield
(Dividends Compounded Monthly)
8 Month Special IRA**$10,000.004.79%4.90%
13 Month Special IRA**$10,000.004.55%4.65%
6 Month$500.000.20%0.20%
12 Month$500.000.25%0.25%
18 Month$500.000.25%0.25%
24 Month$500.000.35%0.35%
36 Month$500.000.50%0.50%
48 Month$500.000.60%0.60%
60 Month$500.000.65%0.65%

Disclosures

*Minimum Balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). The dividend rate and interest rate may change at any time without prior notice. Fees could reduce earnings. A penalty may be imposed for early withdrawals. Ask an employee for further information about fees and terms applicable to the accounts.

**Special certificates are not to be combined with any other offer. Penalty for early withdrawal. Fees could reduce earnings.


Business Accounts

Rates are effective as of .

Comparison of business accounts rates.
TypeMinimum Balance*Dividend RateAnnual Percentage Yield
Core Business Savings$5.000.05%0.05%
Partner Business Checking$1,000.00 and over0.05%0.05%
Business Money Market**$25.00 - $49,999.991.00%1.00%
$50,000.00 - $99,999.991.24%1.25%
$100,000.00 - $249,999.991.49%1.50%
$250,000.00+1.74%1.75%

Disclosures

*Business Members requires a $5.00 Core Business Savings. Partner Business Checking has a minimum opening deposit of $1,000; minimum combined average daily balance to waive the $20.00 monthly service fee is $25,000. Rates are subject to change at any time without notice.

**Minimum opening deposit $25.00. Rates are subject to change at any time without notice.


Consumer Loans

Rates are effective as of .

ProductTermAnnual Percentage RateDescriptionPayment Per $1,000
Personal Loan – UnsecuredUp to 12 months9.990%Up to $15,000$87.13
Personal Loan – UnsecuredUp to 24 months9.990%Up to $15,000$45.70
Personal Loan – UnsecuredUp to 36 months9.990%Up to $15,000$31.94
Personal Loan – UnsecuredUp to 48 months9.990%Up to $15,000$25.09
Personal Loan – UnsecuredUp to 60 months9.990%Up to $15,000$21.00
Personal Loan – UnsecuredUp to 72 months10.990%Up to $15,000$18.78
Personal Loan – UnsecuredUp to 84 months11.990%Up to $15,000$17.39
Personal Loan – Savings Secured*Up to 84 months3.000% above rate paid on accountUp to 90% collateral valueVariable
Auto Loan New (Model Year 2023–2024)**Up to 60 Months6.750%Up to 100% loan-to-value$16.89
Auto Loan Used (Model Year 2021–2022)**Up to 60 months6.750%Up to 95% loan-to-value$16.89
Auto Loan Used (Model Year 2019–2020)**Up to 60 months6.750%Up to 90% loan-to-value$19.64
Auto Loan Used (Model Year 2017–2018)**Up to 48 months6.750%Up to 85% loan-to-value$23.79

Disclosures

Annual Percentage Rate (APR) is based on credit score and may vary. Rates shown reflect a credit score of 740 or greater with automatic payment from an Alltrust Credit Union checking account. $5 Regular Savings required. Subject to Credit Approval. Rates may change at any time without notice.

*3.000% APR is added to the Annual Percentage Yield (APY) of a Savings Account or Share Certificate. Example: 3.000% APR added to Deposit APY of 1.250% = 4.250% APR.

**Applicable to retail consumer auto loans only. For business auto loans, please call for rates and terms.


Fixed-Rate Mortgage Loans

Government Programs

Other mortgage rates and terms available. Contact our mortgage team for details.

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Fee Schedule

Fees are effective as of November 1, 2023.

ItemCost
Account Activity Printout$2.00
Account Closure (within 90 days of opening)$5.00
ATM Withdrawal Fee (each – after 8 per month)$2.00
Cancelled Check Copy (each)$3.00
Check Order1Varies
Debit Card Replacement (additional charges will apply for rush orders)$20.00
Duplicate Discharge$150.00
Duplicate Release of Lien$10.00
Early Withdrawal (Club Account)$5.00
Escheat/Abandoned Property$50.00
Foreign Check Collection$30.00
Inactive Account (monthly – no activity in 12 months)$5.00
IRA Plan Fee (annual)$15.00
IRA Transfer$25.00
Returned Mail Fee (monthly)$5.00
Money Order$4.00
Negative Account Balance (monthly)$10.00
Nonsufficient Funds Fee (each)$30.00
     – Senior & Youth Checking$5.00
Official Check$5.00
Online Loan Payment$6.95
Online Loan Payment Failure to Post$10.00
Overdraft Transfer Fee (each)$10.00
     – Senior & Youth Checking$5.00
Overdraft Privilege Fee$30.00
     – Senior & Youth Checking$5.00
Paper Statement$2.00
Partial Release of Lien$250.00
Phone Transfer Fee (each)$2.00
Research/Account Reconciliation (per hour; $30 minimum)2$30.00
Returned Deposited Item – Non-Member$8.41
Returned Deposited Item – Member or Business$25.00
Safe Deposit Key Replacement (per key)$30.00
Safe Deposit Drilling Fee$200.00
Statement Copy (each)$5.00
Stop Payment Request (each)
     – Official Checks$30.00
     – Money Orders$30.00
     – Personal/Business Check$30.00
     – ACH$30.00
Subordination Fee$150.00
Tax Levy/Attachment$75.00
Uncollected Funds Fee (each)$30.00
Incoming Wire Transfer
     – Domestic$20.00
     – International$30.00
Outgoing Wire Transfer
     – Domestic$30.00
     – International$40.00

Disclosures

1 A check order fee is automatically deducted from your Checking Account depending on the style of checks ordered. As with all charges, this fee is reflected on your monthly statement.

2 Should research of your account indicate an error made by this Credit Union, there will be no charge for this service.