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Member Rates

account rates loan rates member fees



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

0.000%
0.125%
0.200%
0.250%
Quarterly
0.000%
0.125%
0.200%
0.250%
Money Market Account (min. $2,500)
Less than $2,500.00
$2,500.00 & Over

0.000%
0.200%
Quarterly
0.000%
0.200%
Vacation Account
Less than $500
$500.01 to $2,500
$2500.01 to $20,000
$20,000.01 & over

0.000%
0.125%
0.200%
0.250%
Quarterly
0.000%
0.125%
0.200%
0.250%
Christmas Club Account
Less than $500
$500.01 to $2,500
$2500.01 to $20,000
$20,000.01 & over

0.000%
0.125%
0.200%
0.250%
Quarterly
0.000%
0.125%
0.200%
0.250%
Certificates of Deposit (min. $1,000)**
30 Day 0.10% Maturity 0.10%
90 Day 0.15% Maturity 0.15%
6 Month 0.15% Maturity 0.15%
12 Month 0.15% Maturity 0.15%
18 Month 0.15% Quarterly 0.15%
Jumbo Certificates of Deposit (min. $10,000)**
6 Month 0.20% Maturity 0.20%
12 Month 0.18% Maturity 0.18%
18 Month 0.18% Quarterly 0.18%
Individual Retirement Accounts (min. $1,000)**
12 Month IRA 0.15% Maturity 0.15%
18 Month IRA 0.15% Quarterly 0.15%
Jumbo IRA (min. $10,000)**
12 Month Jumbo IRA 0.18% Maturity 0.18%
18 Month Jumbo IRA 0.15% Quarterly 0.15%
IRA Accumulation Account*
IRA Accumulation Account 0.15% Quarterly 0.150%


Loan Rates

Rates based on credit score.

Loan Description ANNUAL
PERCENTAGE RATE
DAILY
PERIODIC RATE
Auto Loans
New Vehicles 1.90% - 13.10% 0.0052% to 0.0359%
Used Vehicles 2.20% - 13.90% 0.0060% to 0.0381%
Recreational Vehicles (Boats, Motors/Trailers, Motor Homes, Campers)
and Farm Equipment
New 3.90% - 15.10% 0.0107% to 0.0414%
Used 4.20% - 15.90% 0.0115% to 0.0436%
Motorcycles, ATVs, and Jet Skis
New 3.90% - 15.10% 0.0107% to 0.0414%
Used 4.20% - 15.90% 0.0115% to 0.0436%
Unsecured Loans
Signature 8.90% - 15.90% 0.0244% to 0.0436%
AGC Credit Union VISA Credit Cards
7.00% - 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






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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.                   Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
AGC Credit Union