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Member Rates

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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%
0.50%
0.75%
Quarterly
0.00%
0.25%
0.50%
0.75%
Money Market Account (min. $2,500)
Less than $2,500
$2,500.01 to $20,000
$20,000.01 & Up

0.25%
0.50%
0.75%
Quarterly
0.25%
0.50%
0.75%
Vacation Account
Less than $500
$500.01 to $2,500
$2500.01 to $20,000
$20,000.01 & over

0.00%
0.25%
0.50%
0.75%
Quarterly
0.00%
0.25%
0.50%
0.75%
Christmas Club Account
Less than $500
$500.01 to $2,500
$2500.01 to $20,000
$20,000.01 & over

0.00%
0.25%
0.50%
0.75%
Quarterly
0.00%
0.25%
0.50%
0.75%
Certificates of Deposit (min. $1,000)**
30 Day 1.00% Maturity 1.01%
90 Day 1.10% Maturity 1.11%
6 Month 1.30% Maturity 1.30%
12 Month 1.75% Maturity 1.75%
18 Month 1.75% Quarterly 1.76%
Jumbo Certificates of Deposit (min. $10,000)**
6 Month 1.50% Maturity 1.51%
12 Month 1.80% Maturity 1.80%
18 Month 1.80% Quarterly 1.81%
Individual Retirement Accounts (min. $1,000)**
12 Month IRA 1.75% Maturity 1.75%
18 Month IRA 1.75% Quarterly 1.76%
Jumbo IRA (min. $10,000)**
12 Month Jumbo IRA 1.80% Maturity 1.80%
18 Month Jumbo IRA 1.80% Quarterly 1.81%
IRA Accumulation Account*
IRA Accumulation Account 0.75% Quarterly 0.75%


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
Visa Gift Cards $3.00 per card
Other Copies $0.25
Monthly Dormant Account Fee $5.00






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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 $100,000 and backed by the full faith and credit of the United States Government.
AGC Credit Union