Rates & Fees | Red Crown Credit Union

Savings Rates

No changes to Savings Rates as of 01-10-2025

Savings Account	Dividend Rate	Annual Percentage Yield*^
	0.10%	0.10%

Club Account	Dividend Rate	Annual Percentage Yield*^
	0.30%	0.30%

IRA Shares	Dividend Rate	Annual Percentage Yield*^
	0.25%	0.25%

Checking Accounts	Dividend Rate	Annual Percentage Yield*^
	0.05%	0.05%

Money Market Account	Dividend Rate	Annual Percentage Yield*^
$90,000.00+	1.00%	1.01%
$60,000.01 – $90,000.00	0.80%	0.80%
$30,000.01 – $60,000.00	0.60%	0.60%
$5,000.01 – $30,000.00	0.40%	0.40%
$2,000.00 – $5,000.00	0.20%	0.20%

Surge Savings Account	Dividend Rate	Annual Percentage Yield*^
$200,000.00+	3.92%	4.00%
$150,000.00 – $199,999.99	2.24%	2.25%
$100,000.00 – $149,999.99	1.74%	1.75%
$25,000.00 – $99,999.99	1.50%	1.50%
$100.00 – $24,999.99	0.10%	0.10%

CD and IRA Rates

Minimum $500.00 Terms	Dividend Rate	Annual Percentage Yield*^
3 Month	3.85%	3.92%
6 Month	3.75%	3.82%
12 Month	3.60%	3.66%
18 Month	2.80%	2.84%
24 Month	2.80%	2.84%
24 Month Trade-A-Rate	2.80%	2.84%
36 Month	1.30%	1.31%
48 Month	1.35%	1.36%

Minimum $20,000.00 Terms	Dividend Rate	Annual Percentage Yield*^
3 Month	4.10%	4.18%
6 Month	4.00%	4.08%
12 Month	3.85%	3.92%
18 Month	2.90%	2.94%
24 Month	2.90%	2.94%
24 Month Trade-A-Rate	2.90%	2.94%
36 Month	1.40%	1.41%
48 Month	1.45%	1.46%

Minimum $75,000.00 Terms	Dividend Rate	Annual Percentage Yield*^
3 Month	4.35%	4.44%
6 Month	4.25%	4.34%
12 Month	4.10%	4.18%
18 Month	3.00%	3.05%
24 Month	3.00%	3.05%
24 Month Trade-A-Rate	3.00%	3.05%
36 Month	1.50%	1.51%
48 Month	1.55%	1.56%

*^APY (Annual Percentage Yield) is based on the assumption that shares and compounded dividends will remain in the account until maturity. There is a substantial penalty and forfeiture of dividends for early withdrawal. Rates are effective as of the last dividend declaration date and are subject to change without notice. Rates are variable and may change after the account is open. Fees can reduce earnings. See a Red Crown representative for full disclosures.

Loan Rates

No changes to Loan Rates as of 01-10-2025

Loan Type	APR* Rates as low as	Term Guidelines**
Auto New/Used/Pre-owned	5.99%	For 84 Months^^ at least $20,000.00+ For 72 Months at least $15,000.00+ For 60 Months at least $10,000.00+ For 48 Months at least $5,000.00+ For 36 Months can be less than $4,999.99
Recreational Vehicles Boats/Motor Homes/Travel Trailers	8.00%	For 84 Months^^ at least $20,000.00+ For 72 Months at least $15,000.00+ For 60 Months at least $10,000.00+ For 48 Months at least $5,000.00+ For 36 Months can be less than $4,999.99
Motorcycles	8.00%	For 84 Months^^ at least $20,000.00+ For 72 Months at least $15,000.00+ For 60 Months at least $10,000.00+ For 48 Months at least $5,000.00+ For 36 Months can be less than $4,999.99
Personal Watercraft/ATVs	8.00%	For 84 Months^^ at least $20,000.00+ For 72 Months at least $15,000.00+ For 60 Months at least $10,000.00+ For 48 Months at least $5,000.00+ For 36 Months can be less than $4,999.99
Signature/Unsecured Loan	9.99%	For 72 Months at least $15,000.00+ For 60 Months at least $10,000.00+ For 48 Months at least $5,000.00+ For 36 Months can be less than $4,999.99
Mortgage Loans	Contact us for rates	Contact us for rates
SBA Approved Lender	Contact us for rates	Contact us for rates
Share Certificate/Secured	Share Certificate/Secure Rate + 3.00%
Line of Credit	12.00%	Revolving
HELOC/Mastercard	Prime + 2.00%^	Revolving
Standard Mastercard	12.50%	Revolving
Platinum Mastercard	Prime + 3.00%	Revolving

*Annual Percentage Rate (APR) is based on your individual credit history with approved credit. APR may vary. Rates are subject to change without notice.
**Maximum term on a loan is based on the amount of loan.
^^84 mo. term adds 1.00% APR to rate
^HELOC Mastercard rate is based on Wall Street Journal Prime plus 2.00% with a 5.50% APR floor and a 18.00% APR ceiling.
Prime refers to Wall Street Journal Prime.
***Vehicles over 100,000 miles adds 1.00% APR to rate
*+Vehicles between 150,000-200,000 miles adds 3.00% APR to rate
**+Max mileage 200,000 regardless of year, make or model

Fee Schedule

No changes to Fees as of 01-10-2025

Savings Accounts	Fees
Shared Account	No Fees
Club Savings Account	$5.00 for each withdrawal over two (2) withdrawals per calendar year
Money Market	$10.00 per month if the balance falls below $2,000.00
Money Market Excessive Withdrawals	$5.00 for each withdrawal over (6) withdrawals per month
Surge Savings Account	Four (4) FREE withdrawals every 12-month period from open date; $20.00 fee for all other withdrawals
IRA Account	No Fees

Share Draft/Checking Accounts	Fees
Classic Checking	$1.00 per $100.00 as balance falls below $500.00 to max of $5.00
Free Checking	No Fees
Check It Out Checking (ages 13-17)	No Fees
Business Checking	No Fees
Debit Card Replacement	$5.00 per card
Debit Card Expedited	$50.00 per card
Overdraft/Non-Sufficient Funds (NSF)	$30.00 per presentment
ACH/Debits Reversed/Returned	$30.00 per presentment
Charged Back/Returned Items	$10.00 per presentment
Copy of Share Draft	$2.00 per check
OOPS	$30.00 per presentment
Stop Payment via Online Banking	Free
Stop Payment via Staff Assistance	$30.00 per transaction
Cashier Check	$1.00 per check after one (1) free daily is used
Domestic Item Collection	$10.00 per item
International Item Collection	Actual Cost
Draft/Check Printing	Prices Vary
ATM Balance Inquiry	$1.00 per inquiry
Excessive ATM Use	$0.75 per ATM transaction in excess of (8) per month

Other Services	Fees
Account Reconciliation/Research	$25.00 per hour in 1/4 hour increments
Receipt Copy	$5.00 per item
Mail Forwarding	$1.00 per item
Notarized Lien Release	$5.00 per copy
Domestic Incoming Wire	$5.00 per transfer
International Incoming Wire	$50.00 per transfer
Domestic Outgoing Wire Transfer	$25.00 per transfer
International Outgoing Wire Transfer	$50.00 per transfer
Check Cashing	$10.00 per check
Coin Counting	Red Crown Members – Free Shared Branching Members – 10% of collected coin
Inactive Account	$5.00 per month
Loan Filing	Actual cost
Garnishment/Levy	$10.00 each
Gift Card	$3.50 each
IRA Set Up	Free for members
Notary Public	Free for members

Safe Deposit Box	Fees
3×5	Prices Vary
3×10	Prices Vary
5×10	Prices Vary
10×10	Prices Vary

Mastercard*	Fees
Grace Period	25 days to repay your balance before a finance charge is imposed
Additional Card	$5.00 per card
Cash Advance	$5.00 or 2.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $60.00)
Foreign	1.00% of each transaction in U.S. dollars completed out the U.S., 0.90% of each transaction in U.S. dollars completed in a foreign currency
Late Payment	Up to $20.00
Return Payment	Up to $20.00
Statement Copy	$5.00
Document Copy	$5.00
Method of computing the balance of purchases	We use a method called “average daily balance (including new purchases)”

Because we may charge a service fee for an NSF/Overdraft item each time it is presented, we may charge you more than one service fee for any given item.
*The information about the cost of the card described in this application is accurate as of July 1, 2017.
This information may have changed after that date.