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Savings Rates
Effective December 1, 2009

All accounts at Citizens Credit Union are insured up to
$250,000 by the NCUA, an agency of the Federal Government.

 TERM/ACCOUNT

 RATE

 APY

PENALTHY FOR

COMPOUND 

 

 MIN $500

 EARLY W/D

  

 3 MONTH

 .50%

  .50%

 90 DAY

 MONTHLY

 6 MONTH

 .50%

 .50%

 90 DAY

 MONTHLY

 12 MONTH

 1.00%

 1.00%

180 DAY 

 MONTHLY

 18 MONTH

1.00%

 1.00%

180 DAY 

 MONTHLY

 24 MONTH

 1.98%

 2.00%

 180 DAY 

 MONTHLY

 30 MONTH

 1.98%

 2.00%

180 DAY 

 MONTHLY

 36 MONTH

1.98%

 2.00%

180 DAY 

 MONTHLY

 48 MONTH

2.47% 

 2.50% 

180 DAY

 MONTHLY

 60 MONTH

2.72% 

2.75%

180 DAY

 MONTHLY

VARIABLE RATE
RATE

 APY*
COMPOUND
 $1,000-$10,000

.75%

 .75%

  Earned daily, paid monthly
 $10,000-$25,000

.75%

 .75%

  Earned daily, paid monthly
 $25,000-$50,000

.75%

 .75%

  Earned daily, paid monthly
 $50,000+ 

 1.00% 

 1.00%

 Earned daily, paid monthly

 IRA

1.49%

 1.50%

  Earned daily, paid monthly

*APY is annual percentage yield. 
Seven day grace period for automatic renewal.   Interest is paid monthly.  
Contact Member Services at (269) 381-1938, option 2 for more information. 
Penalty applies on early withdrawal and is charged only on amount withdrawn. 
Penalty amount will not exceed total interest earned since issuance. 

 

Loan Rates
Effective December 1st, 2009

All rates are stated in annual percentage rates.  The rates are as low as the rates
disclosed depending upon credit history and application.  
Your rate may be higher

 

 CONSUMER LOANS

Secured Loans
TERM
      AS LOW AS:

New & Used Auto  

 Up to 60 Months  4.99%
 Up to 72 Months       Some restrictions  5.50%   Min. loan amount $25,000

Motorcycles New

  Up to 60 Months  7.00%
Motorcycles Used  Up to 60 Months       Max 85% LTV  7.00%

Boats

  Up to 72 Months  7.25%
 Up to 120 Months     Some restrictions  8.25%   Min. loan amount $25,000
 RV's  Up to 72 Months  8.75%
 Up to 120 Months     Some restrictions  9.75%   Min. loan amount $25,000

 Other Secured

  Up to 60 Months      8.50%
 Share Secured  Up to 48 Months  Share Rate +3%
 Up to 60 Months  Share Rate +4%

 Unsecurd Loans  

 AS LOW AS

 Personal Loan  Up to 60 Months  9.99%
 "L" Personal Line of Credit    9.99%  Max loan amount $50,000
 EZ Money Line of Credit    13.95%
 Home Improvement Loans  Up to 60 Months  8.99%

 Home Equity Closed-End  Loan to Value 80% or Less  AS LOW AS
   5 Year and Balloons  6.25%
 61-180 Months  6.75%
 181-240 Months  7.25%

 Home Equity Line of Credits    AS LOW AS
 Home Equity Line of Credits    4.00%*

 HOME EQUITY LINE OF CREDIT*

 *As low as Wall Street Journal Prime rate published at the first of the month

Wall Street Journal Prime as the first of the month as low as 3.25%

 1st Mortgage, Fixed Rate  80% or less Loan to Value  AS LOW AS
   5 Year and Balloons  6.25%
 61-180 Months  6.75%
 181- 240 Months  7.25%

 Vacant Land Loans  60% or less Loan to Value  AS LOW AS
 

 1- 60 Months

  9.00%
 5 Year Balloon  9.00%

 Deduct 0.25% with auto-pay for all Loans;
Excludes Lines of Credit and Share Secured Loans

All rates are stated in annual percentage rates. 
The rates are as low as the rates disclosed depending upon credit history and application.  
Your rate may be higher.

TERM LOANS - maximum 1 year, rate determined by collateral, verified source of repayment required.

Click Here For Our Calculators

Fee Schedule
Effective January 2, 2009

Citizens Credit Union is committed to providing the highest
quality products and the best possible services to our members. 
The following fee information is provided as proof of our commitment. 
Our low fees are just one of the many benefits of credit union membership.

CHECKING ACCOUNT 

 Monthly Maintenance Fee  No fee
 Personal Checks  Call for current prices, or reorder checks online
 Automatic transfer from savings to
     cover overdraft or Easy Money Line of Credit		  $5 per transfer
 NSF Overdraft Charge (checks, ACH, debit card)  $29 per item
 Stop Payment Fee (paper and ACH)  $25 per item
 NSF Deposited or Cashed  $5 per item
 Copy of Statement

 $3 per month
      (View last 12 mo. with free e-statements)

 Copy of Check Written  $5 per item 
      (View 90 days of checks - free on HFS Online Banking)
 Current Transaction History  $5 per printout
 Copy of Check Deposited  $5 per item
 Balance Checking Account  $20 per visit
 Interest Bearing Checking Account  $5 per month if balance is less than $500.00
 Business Checking Account  $5 per month

Note: Checks may be cleared the same day they are written. 
All overdraft checks are returned to the last endorser.

ATM & DEBIT CARD

 ATM Transactions: Withdrawals, transfers, and
          inquiries on non-Citizens ATM machines

  $1.00 each (First three per month are free)
 Debit Point-of-Sale Usage  No fee
 Replacement Card or Change PIN  $5 per request
 Rush Order on Plastic Card  $15 per card
 Debit Card Chargeback  $25 per request

LOANS

 Loan Payment Late Fee  $20 per month
 Real Estate Loan Late Fee  5% of payment amount (Charged on the 15th day)
 Subordination Document Fee  $50
 Land Contract  $3 per month
 Home Equity Line of Credit  No fee
 Home Equity Loan  $200 per application

GIFT  CARDS

 Gift Cards        $3.00 per card

CHECK CASHING

 Immediate Credit Fee  1% of amount of check(s) being cashed, minimum $3

* Does not apply if member has an existing $200 on deposit in the account or if he/she has a loan in good standing.
* There is no fee if the check is deposited and the member agrees to a hold being placed on the check,
as stipulated by Government Regulation CC.
* Checks drawn on the City of Kalamazoo, Kalamazoo County, or municipalities within Kalamazoo County,
and Citizens Credit Union are exempt from fee.

GENERAL FEES

 IRA Annual Fee  No fee
 Outgoing Wire Transfer  $20 per wire
 International Wire Transfer  $35 per wire
 Money Orders  $1 per money order (each money order cannot exceed $999.99)
 Cashier's Check  $2 per check when payable to third party
 Traveler's Checks

 No fee for one signer
 1% of check amount for two signers

 Account Closing Fee

 $10 per account (only if closed within six months of opening)

 Outgoing Fax  $1 per visit
 Copy Machine Copies  $0.10 per page copy
 Notary Service  No fee for members; $1.00 per document for non-members
 Western Union  $5 per wire (Quick Cash Fee also applies)
 Telephone Transfer Receipt  $1.00 per transaction

 Inactive Account Fee
   (After one year of inactivity with less than a
     $300 balance, age 18+)

  $10 per account per quarter
 Garnishments, Levies, Court Orders  $50 per account
 Returned Mail  $2.50 per item
 Stop Payment Fee on Credit Union check  $25 per item
 Escheats: Research & Notification  $50 per account

*Fees are subject to change at anytime per Board of Directors' approval.

 
 

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