Rates & Fees
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Accounts
Rates are effective as of .
| Type | Minimum Balance1 | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| Regular Savings | $5 | 0.05% | 0.05% |
| Youth Savings | $5 | 0.05% | 0.05% |
| Savings Supreme | $5,000 – $9,999.99 | 0.02% | 0.02% |
| $10,000 – $24,999.99 | 0.02% | 0.02% | |
| $25,000 – $49,999.99 | 0.05% | 0.05% | |
| $50,000 – $74,999.99 | 0.05% | 0.05% | |
| $75,000 – $99,999.99 | 0.10% | 0.10% | |
| $100,000 & Over | 0.10% | 0.10% | |
| Christmas Club2 | $25 | 0.05% | 0.05%2 |
| Vacation Club2 | $25 | 0.05% | 0.05%2 |
| IRA Savings | $25 | 0.05% | 0.05% |
| Money Market Savings | $25 – $999.99 | 0.02% | 0.02% |
| $1,000 – $4,999.99 | 0.02% | 0.02% | |
| $5,000 – $9,999.99 | 0.05% | 0.05% | |
| $10,000 – $24,999.99 | 0.10% | 0.10% | |
| $25,000 – $49,999.99 | 0.10% | 0.10% | |
| $50,000 – $74,999.99 | 0.10% | 0.10% | |
| $75,000 – $99,999.99 | 0.15% | 0.15% | |
| $100,000 & Over | 0.15% | 0.15% | |
| Platinum Checking3 | $5,000 – $9,999.99 | 0.02% | 0.02% |
| $10,000 & Over | 0.05% | 0.05% |
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. Ask an employee for further information about fees and terms applicable to the accounts.
2 Dividends compounded monthly except where noted. Christmas Club and Vacation Club are compounded quarterly.
3 Requires $5.00 Regular Savings. Cannot be combined with any other offer. Platinum Checking, with a minimum of $5,000 balance, can earn .10% above current stated rate on CDs or IRAs greater than 1 year term; 0.10% rate increase cannot be applied to special/promotional CDs or IRAs. Penalty for early withdrawal. Fees could reduce earnings.
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.
IRA Certificates
Rates are effective as of .
| Type | Minimum Balance* | Dividend Rate | Annual Percentage Yield (Dividends Compounded Monthly) |
|---|---|---|---|
| 6 Month | $500 | 0.20% | 0.20% |
| 12 Month | $500 | 0.25% | 0.25% |
| 18 Month | $500 | 0.25% | 0.25% |
| 24 Month | $500 | 0.35% | 0.35% |
| 36 Month | $500 | 0.55% | 0.55% |
| 48 Month | $500 | 0.65% | 0.65% |
| 60 Month | $500 | 0.70% | 0.70% |
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.
Business Accounts
Rates are effective as of .
| Type | Minimum Balance* | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| Core Business Savings | $5 | 0.05% | 0.05% |
| Partner Business Checking | $1,000 - $9,999.99 | 0.05% | 0.05% |
| $10,000 & Over | 0.35% | 0.35% |
Disclosures
*Business Members requires a $5.00 Core Business Savings. Partner Business Checking has a minimum opening deposit of $1,000; minimum average daily balance to waive the $20.00 monthly service fee is $10,000. Rates are subject to change at any time without notice.
Consumer Loans
Rates are effective as of .
| Product | Term | Annual Percentage Rate | Description | Payment Per $1,000 |
|---|---|---|---|---|
| Personal Loan – Unsecured | Up to 84 months | 7.000% | Up to $25,000 | $19.80 |
| Personal Loan – Savings Secured* | Up to 84 months | 2.750% above rate paid on account | Up to 90% collateral value | Variable |
| Auto Loan New (Model Year 2020–2021)** | Up to 84 months | 3.240% | Up to 100% loan-to-value | $15.30 |
| Auto Loan Used (Model Year 2018–2019)** | Up to 72 months | 3.375% | Up to 95% loan-to-value | $18.14 |
| Auto Loan Used (Model Year 2016–2017)** | Up to 60 months | 3.500% | Up to 90% loan-to-value | $22.36 |
| Auto Loan Used (Model Year 2014–2015)** | Up to 48 months | 3.625% | Up to 85% loan-to-value | $22.41 |
Disclosures
Annual Percentage Rate (APR) is based on credit score and may vary. Rates shown reflect a credit score of 700 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.
*2.750% APR is added to the Annual Percentage Yield (APY) of a Savings Account or Share Certificate. Example: 2.750% APR added to Deposit APY of 1.25% = 4.000% APR.
**Applicable to retail consumer auto loans only. For business auto loans, please call for rates and terms.
Mortgages
Fixed-Rate Mortgage Loans
Jumbo – Fixed Rate
Adjustable-Rate Mortgage (ARM)
Jumbo – ARM
Government Programs
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Other mortgage rates and terms available. Contact our mortgage team for details.
Home Equity Loans & Lines of Credit
Rates are effective as of .
| Product | Term | APR | Payments Per $1,000 |
|---|---|---|---|
| Intro Fixed-Rate Home Equity Line of Credit* | Up to 25 years | 2.490% fixed introductory APR for the first year* followed by a variable rate as low as 3.000% | Varies based on balance Minimum monthly payment during draw period: $10.00 |
| Home Equity Line of Credit* | N/A | 3.000% | Varies based on balance Minimum monthly payment during draw period: $10.00 |
| Home Equity Loan** | 5 years | 3.625% | $18.25 |
| 10 years | 3.750% | $10.01 | |
| 15 years | 3.875% | $7.33 | |
| 20 years | 4.000% | $7.40 |
Disclosures
*APR is Annual Percentage Rate. Rate indicated requires automatic payment from an Alltrust Credit Union checking account. Introductory APR is for the first 12 months, thereafter APR will resort to Prime minus 0.25%. APR will vary monthly if the Prime Rate changes but will not exceed 18.00% or be less than 3.25%. Current Prime Rate available on the Wall Street Journal. Real Estate Taxes and Property insurance is required. Flood insurance where required by law. 1-4 family primary residence, second home, or investment occupancy. Loan-to-value of 80-90% requires Alltrust Credit Union in first position on an eligible 1–2-unit owner occupied or second home detached property, condominium, or townhouse. Consult your tax advisor regarding the deductibility of interest. Other terms and conditions and restrictions apply. Subject to credit approval. The following fees apply: Application fee: $0.00 (due at application); Points 0.00% of credit limit (due when account is opened). Fees charged to the customer will apply under the following circumstances: Annual Maintenance Fee of $50.00; Early Termination Fee of $500 or 2.00% of the line, whichever is less, if the line is closed within 3 years from the note date; if the loan amount is greater than $250,000 and in first position, the Borrower will be required to pay for Title Insurance Policy, Municipal Lien Certificate, and Survey Deletion Letter. Third party fees for Power of Attorney, Revocable Trust, or other legal documents must be paid by the member. Fees generally total between $0.00 and $500.00. Term subject to change without notice.
**APR is Annual Percentage Rate. Real estate taxes and property insurance is required. Flood insurance where required by law. 1-4 family primary residence, second home, or investment occupancy. Combined Loan-to-value of great than 80% requires Alltrust Credit Union in first position. Loan to Value 90-95% 1–2-unit owner occupied purchase or rate term refinance only. Consult your tax advisor regarding the deductibility of interest. Other terms and conditions and restrictions apply. Subject to credit approval. If the loan amount is greater than $250,000 and in first position, the Borrower will be required to pay for Title Insurance Policy, Municipal Lien Certificate, and Survey Deletion Letter. Third party fees for Power of Attorney, Revocable Trust, or other legal documents must be paid by the member. Fees generally total between $0.00 and $500.00. Term subject to change without notice.
Fee Schedule
Fees are effective as of November 1, 2019.
| Item | Cost |
|---|---|
| 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 Order1 | Varies |
| Debit Card Replacement (additional charges will apply for rush orders) | $20.00 |
| Duplicate Discharge | $50.00 |
| Early Withdrawal (Club Account) | $5.00 |
| Electronic Bill Payment (monthly)2 | $4.95 |
| Escheat/Abandoned Property | $50.00 |
| Foreign Check Collection | $30.00 |
| Inactive Account (monthly – no activity in 12 months) | $5.00 |
| 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 |
| Notary Services (non-members) | $5.00 |
| Official Check | $5.00 |
| 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 |
| Passbook Replacement | $15.00 |
| Research/Account Reconciliation (per hour; $30 minimum)3 | $30.00 |
| Returned Deposited Item – Non-Member | $7.00 |
| Returned Deposited Item – Member or Business | $25.00 |
| Safe Deposit Key Replacement (per key) | $30.00 |
| Safe Deposit Drilling Fee | $150.00 |
| 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 |
| Tax Levy/Attachment | $75.00 |
| Phone Transfer Fee (each) | $2.00 |
| 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 Free EBP for: members age 65+ with Senior Checking & CU Online; Members age 18+ with a Checking Account, CU Online, Direct Deposit & eStatements.
3 Should research of your account indicate an error made by this Credit Union, there will be no charge for this service.