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 Club | $25 | 0.05% | 0.05%2 |
| Vacation Club | $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 Checking2 | $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. Dividends compounded monthly. Ask an employee for further information about fees and terms applicable to the accounts.
2 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.
***15-Month Growth Certificate available for new money only; money not currently on deposit at Alltrust Credit Union. Additional new money deposits allowed at a minimum of $100.00.
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% |
| 15 Month Growth IRA** | $500 | 1.00% | 1.00% |
| 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.
**15-Month Growth IRA available for new money only; money not currently on deposit at Alltrust Credit Union. Additional new money deposits allowed at a minimum of $100.00.
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 | 5.990% | Up to $25,000 | $14.60 |
| 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 2021–2022)** | Up to 84 months | 2.990% | Up to 100% loan-to-value | $13.21 |
| Auto Loan Used (Model Year 2019–2020)** | Up to 72 months | 3.125% | Up to 95% loan-to-value | $15.25 |
| Auto Loan Used (Model Year 2017–2018)** | Up to 60 months | 3.250% | Up to 90% loan-to-value | $18.08 |
| Auto Loan Used (Model Year 2015–2016)** | Up to 48 months | 3.375% | Up to 85% loan-to-value | $22.30 |
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.
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 | 2.49% 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 | 3.125% | $18.02 |
| 10 years | 3.375% | $9.83 | |
| 15 years | 3.625% | $7.21 | |
| 20 years | 3.875% | $7.33 |
Disclosures
*APR is Annual Percentage Rate. After the introductory period, the Annual Percentage Rate (APR) may vary monthly and will be based on the Prime Rate as listed in The Wall Street Journal (Prime) plus a margin. After the introductory period the rate will be set at Prime minus 0.25%; maximum APR will not exceed 18.00% or be less than 3.25%. A minimum initial draw of $25,000 is required for 120 days. All subsequent draws will be set at $500 or more. APR indicated requires automatic payment from an Alltrust Credit Union checking account. $50 Annual Fee. 1-4 family primary residence only. Maximum combined Loan-to-value 80%. First lien position home equity not permitted. Purchase transaction requires an Alltrust Credit Union first lien position mortgage. Real Estate Taxes and Property Insurance is Required. Flood insurance where required by law. Subject to credit approval. Other terms and conditions apply. Terms subject to change without notice.
**Annual Percentage Rate (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 available. Loan-to-value of 80-90% requires Alltrust Credit Union in first position. Consult your tax advisor regarding the deductibility of interest. FEES AND CHARGES: To open and maintain a line of credit, 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; 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. First lien position home equity not permitted. Purchase transaction requires an Alltrust Credit Union first lien position mortgage. Subject to credit approval. Other terms and conditions apply. Terms subject to change without notice.
***Minimum loan amount $10,000, maximum loan amount $500,000. 1-4 family primary residence, second home, or investment occupancy available. Loan-to-value of 80-95% require Alltrust Credit Union in first position. Loan to Value 90-95% 1-2 unit owner occupied purchase only. The following fees apply: Application fee: $0; Points 0.00%. Third-party fees may apply: Power of Attorney, Revocable Trust Agreement or other legal documents will be required to be reviewed by the Credit Union’s Attorney and recorded as part of the closing. You will pay all fees related to this review and recording. These fees generally total between $0 and $500. Payment does not include taxes and insurance premiums therefore payment obligation will be greater. Real Estate Taxes and Property insurance is required. Flood insurance where required by law. Borrower responsible for real estate taxes and property insurance. Please contact Tax Advisor for possible tax deductions. First lien position home equity not permitted. Purchase transaction requires an Alltrust Credit Union first lien position mortgage. Subject to credit approval. Other terms and conditions apply. Terms 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 Electronic Bill Payment for: members age 65+ with Senior Checking and who use Online Banking; Members age 18+ with a Checking Account, use Online Banking, have Direct Deposit & are signed-up for eStatements.
3 Should research of your account indicate an error made by this Credit Union, there will be no charge for this service.