Account Rates
| Account Type |
Rate |
Term Compounded |
APY |
| Shares and Clubs* |
Share (Savings) Account
Less than $500
$500.01 to $2,500
$2500.01 to $20,000
$20,000.01 & over |
0.00%
0.25%
0.40%
0.50% |
Quarterly |
0.00%
0.25%
0.40%
0.50% |
Money Market Account (min. $2,500)
Less than $2,500.00
$2,500.00 & Over |
0.00%
0.40% |
Quarterly |
0.00%
0.40% |
Vacation Account
Less than $500
$500.01 to $2,500
$2500.01 to $20,000
$20,000.01 & over |
0.00%
0.25%
0.40%
0.50% |
Quarterly |
0.00%
0.25%
0.40%
0.50% |
Christmas Club Account
Less than $500
$500.01 to $2,500
$2500.01 to $20,000
$20,000.01 & over |
0.00%
0.25%
0.40%
0.50% |
Quarterly |
0.00%
0.25%
0.40%
0.50% |
| Certificates of Deposit (min. $1,000)** |
| 30 Day |
0.25% |
Maturity |
0.25% |
| 90 Day |
0.30% |
Maturity |
0.30% |
| 6 Month |
0.50% |
Maturity |
0.50% |
| 12 Month |
0.60% |
Maturity |
0.60% |
| 18 Month |
0.60% |
Quarterly |
0.601% |
| Jumbo Certificates of Deposit (min. $10,000)** |
| 6 Month |
0.55% |
Maturity |
0.551% |
| 12 Month |
0.65% |
Maturity |
0.650% |
| 18 Month |
0.65% |
Quarterly |
0.652% |
| Individual Retirement Accounts (min. $1,000)** |
| 12 Month IRA |
0.60% |
Maturity |
0.60% |
| 18 Month IRA |
0.60% |
Quarterly |
0.601% |
| Jumbo IRA (min. $10,000)** |
| 12 Month Jumbo IRA |
0.65% |
Maturity |
0.65% |
| 18 Month Jumbo IRA |
0.65% |
Quarterly |
0.652% |
| IRA Accumulation Account* |
| IRA Accumulation Account |
0.50% |
Quarterly |
0.50% |
Loan Rates
Rates based on credit score.
| Loan Description |
APR |
| New and Used Vehicles - Up to 100% of MSRP or NADA Retail Value |
| New Vehicles |
2.90% - 13.10% |
| Used Vehicles |
3.20% - 13.90% |
Recreational Vehicles (Boats, Motors/Trailers, Motor Homes, Campers)
and Farm Equipment
Up to 90% of the sales price or NADA value |
| New |
2.90% - 13.10% |
| Used |
3.20% - 13.90% |
New Motorcycles, ATVs, and Jet Skis -
Up to 100% of sale price |
| New |
4.90% - 15.10% |
| Used |
5.20% - 15.90% |
Unsecured Loans |
| 10.90% - 17.90% |
| AGC Credit Union VISA Credit Cards |
| 9.75% - 13.75% |
| Mortgage Loans |
| Please contact a loan officer at 423-229-7410. |
Certain restrictions may apply.
Member Fees
Effective 2011
| Service |
Fee |
| Membership |
FREE |
| Minimum Balance |
$5.00 |
| Share Withdrawals |
For each withdrawals over
6 per month |
$3.50 per withdrawal |
| Sharedraft Fees |
| Minimum Monthly Balance |
None |
Overdraft Due to
Non-Sufficient Funds |
$29.00 |
| Privilege Pay Overdraft Fee |
$29.00 per advance |
| Automatic Transfers Due to NSF |
$2.50 |
| (After 6 transfers REG D violation) |
$3.50 |
| 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 |
| Faxed Copy of Check |
$1.50 |
| Check Orders |
per catalog |
| Counter Checks |
$5.00 |
| Loan Fees |
| New Loan |
$30.00 |
| Each loan after the first |
$20.00 |
| Temporary Lien |
per state |
| Wire Fees |
| Outgoing International Wire |
per country |
| Outgoing Domestic Wire |
$12.50 |
| Incoming Domestic Wire |
FREE |
| Money Order & Check Fees |
| Money Orders |
$2.00 |
| Certified Checks |
$3.00 |
| Checks Written to 3rd Party |
$3.00 |
| Travelers Check Fees |
| Visa Travel Cards |
$3.00 per card |
| Visa Gift Cards |
$3.00 per card |
| Miscellaneous Fees |
| Other Copies |
$0.25 |
| Research (per hour) |
$20.00 |
| Dormant Account Fee |
$5.00 per month |
|
