account rates loan rates member fees
Account Rates Account Type Rate Term Compounded APY Shares and Clubs* Share (Savings) Account 1.05% Quarterly 1.06% Money Market Account (min. $2,500) 1.50% Quarterly 1.51% Vacation Account 1.05% Quarterly 1.06% Christmas Club Account 1.05% Quarterly 1.06% Certificates of Deposit (min. $1,000)** 30 Day 2.35% Maturity 2.38% 90 Day 2.40% Maturity 2.42% 6 Month 2.75% Maturity 2.77% 12 Month 2.95% Maturity 2.95% 18 Month 2.95% Quarterly 2.98% Jumbo Certificates of Deposit (min. $10,000)** 6 Month 2.90% Maturity 2.92% 12 Month 3.00% Maturity 3.00% 18 Month 3.00% Quarterly 3.03% Individual Retirement Accounts (min. $1,000)** 12 Month IRA 2.95% Maturity 2.95% 18 Month IRA 2.95% Quarterly 2.98% Jumbo IRA (min. $10,000)** 12 Month Jumbo IRA 3.00% Maturity 3.00% 18 Month Jumbo IRA 3.00% Quarterly 3.03% IRA Accumulation Account* IRA Accumulation Account 1.10% Quarterly 1.11% Loan Rates Loan Description APR New and Used Vehicles - Up to 100% of MSRP or NADA Retail Value A Paper 3.15% - 6.55% B Paper 4.65% - 7.15% C Paper 7.15% - 9.65% D Paper 12.15% - 15.50% Recreation Vehicles, Motor Homes, and Campers Up to 90% of the sales price or NADA value A Paper 3.15% - 6.55% B Paper 4.65% - 7.15% C Paper 7.15% - 9.65% D Paper 12.15% - 15.50% New and Used Farm Equipment - Up to 85% of sale price A Paper 3.15% - 6.55% B Paper 4.65% - 7.15% C Paper 7.15% - 9.65% D Paper 12.15% - 15.50% New Motorcycles, ATVs, and Jet Skis - Up to 100% of sale price A Paper 5.15% - 8.55% B Paper 6.65% - 9.15% C Paper 9.15% - 11.65% D Paper 14.15% - 17.50% Vacation Loans - April through August A Paper 9.90% B Paper 11.90% C Paper 15.50% D Paper 16.90% Credit Cards Visa Classic 9.75% - 13.75% Mortgages Please contact a loan officer at the credit union. Member Fees Effective 2007 Service Fee Membership FREE Share Withdrawals over 6 per month $3.50 per withdrawal Overdraft Due to Non-Sufficient Funds $25.00 Automatic Transfers Due to Non-Sufficient Funds $2.50 Deposit Item Charge Back $10.00 Stop Payment $20.00 Mid-Month Statement $1.00 Research (per hour) $20.00 Copy of Check (First 5 FREE) $2.00 Check Orders per catalog Counter Checks $5.00 ATM/Debit Card Reissue $5.00 First Time Loan Fee $25.00 Refinance Loan Fee $15.00 Temporary Lien per state Outgoing Domestic Wire $12.50 Incoming Domestic Wire FREE Outgoing International Wire per country Money Orders $2.00 Certified Checks $3.00 Travelers' Checks FREE Other Copies $0.25 Monthly Dormant Account Fee $5.00		APY = Annual Percentage Yield *The dividend rate and A.P.Y. may change at any time as determined by the Credit Union's Board of Directors. Fees may reduce earnings. **Early withdrawals may reduce earnings. APR = Annual Percentage Rate Loan Application Loan Calculator NADA Guides - New/Used Car Values Access your AGCCU VISA account online Added safety for online shopping!

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