Section 1

Rates

Rates are subject to change without notice

Mortgage Rates Accurate as of

View a complete list of rates and disclosure information.

APR Rate

Adjustable Rate Mortgage

5/1 ARM

 4.873%3.875%

3/1 ARM

 4.954%3.375%

Fixed Rate Mortgages

30 Year Fixed

 5.283%5.250%

20 Year Fixed

 5.169%5.125%

15 Year Fixed

 4.806%4.750%

Vehicle Loan Rates Accurate as of

Min APR Max APR

New Vehicles/Motorcycles

0 - 48 Months

 2.19%11.59%

49 - 60 Months

 2.69%11.79%

61 - 72 Months

 2.89%11.99%

73 - 84 Months

 3.29%11.99%

Used Vehicles/Motorcycles

Vehicles 2010 model year and newer

0 - 48 Months

 2.99%12.59%

49 - 60 Months

 3.19%12.89%

61 - 72 Months

 3.39%13.09%

New RVs

Includes Motor Homes and Travel Trailers

0 - 48 Months 3.29%8.79%
49 - 60 Months 3.79%9.09%
61 - 72 Months 4.29%9.39%
73 - 84 Months 4.79%9.89%
85 - 120 Months 5.79%10.89%

Used RVs

Includes Motor Homes and Travel Trailers 2010 model year and newer

0 - 48 Months 3.49%9.49%
49 - 60 Months 3.99%9.49%
61 -72 Months 4.49%9.99%

Personal Loan Rates Accurate as of

Min APR Max APR

Line of Credit

9.00%15.25%

Personal Loan

Personal, fixed. Maximum of $30,000

0 - 24 Months 11.50%17.75%
25 - 48 Months 12.50%18.00%

Credit Card Rates Accurate as of

Maximum Credit Limit is $30,000.  Aggregate Credit Limit Maximum is $30,000.

Min APR Max APR

Mastercard Cash Back

10.99%21.99%

Mastercard Rewards

9.99%20.99%

Checking Rates Accurate as of

APR APY

Grow Checking

Tier II

15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly

 2.50%2.53%

Grow Checking

Tier I

10 Debit Transactions Monthly

 0.75%0.75%

Grow Checking

Any Balance, Requirements not met

 0.00%0.00%

Rewards Checking

No Minimum Balance

 0.00%0.00%

Savings Rates Accurate as of

APY APR

Savings

Minimum Balance of $5

 0.25%0.25%

Christmas Club

Automatic Deposit to Savings or Checking on Oct. 1

 0.25%0.25%

Club Account

Save for college, taxes, insurance, etc.

 0.25%0.25%

Vacation Club

No Minimum Balance

 0.25%0.25%

Money Market

Balances of $100,000 and above

 1.00%1.00%

Balances of $50,000 – $99,999.99

 0.85%0.85%

Balances of $25,000 – $49,999.99

 0.75%0.75%

Balances of $1,000 – $24,999.99

 0.60%0.60%

Balances of $999.99 and under

 0.00%0.00%

IRA Account

Balances of $1,000 and above

 0.25%0.25%

Balances of $999.99 and under

 0.15%0.15%

Health Savings Account

Minimum Balance of $5

 0.25%0.25%

Certificate Rates Accurate as of

APR APY

Certificate

Minimum Balance of $500. Early withdrawal penalties may apply.

6 months/182 days

 0.75%0.75%

1 year/12 months

 1.15%1.16%

15 months

 2.15%2.17%

1.5 years/18 months

 1.30%1.31%

2 years/24 months

 1.55%1.56%

27 months

 2.35%2.38%

2.5 years/30 months

 1.65%1.66%

3 years/36 months

 1.90%1.91%

4 years/48 months

 2.40%2.43%

5 years/60 months

 2.60%2.63%

IRA Certificate

Minimum Balance of $1,000. Early withdrawal penalties may apply.

1 year/12 months

 1.15%1.16%

15 months

 2.15%2.17%

2 years/24 months

 1.55%1.56%

27 months

 2.35%2.38%

2.5 years/30 months

 1.65%1.66%

3 years/36 months

 1.90%1.91%

4 years/48 months

 2.40%2.43%

5 years/60 months

 2.60%2.63%

HSA Certificate

Minimum Balance of $1,000. Early withdrawal penalties may apply.

1 year/12 months

 1.15%1.16%

15 months

 2.15%2.17%

2 years/24 months

 1.55%1.56%

27 months

 2.35%2.38%

2.5 years/30 months

 1.65%1.66%

3 years/36 months

 1.90%1.91%

4 years/48 months

 2.40%2.43%

5 years/60 months

 2.60%2.63%

Business Rates Accurate as of

APR APY

Business Savings

Minimum Balance of $5

 0.25%0.25%

Business Checking

Balances of $50,000 and above

 0.65%0.65%

Balances of $25,000 - $49,999.99

 0.50%0.50%

Balances of $2,500 - $24,999.99

 0.25%0.25%

Balances up to $2,499.990

 0.10%0.10%

Business Money Market

Balances of $100,000 and above

 1.00%1.00%

Balances of $50,000 - $99,999.99

 0.85%0.85%

Balances of $25,000 - $49,999.99

 0.75%0.75%

Balances of $1,000 - $24,999.99

 0.60%0.60%

Business Certificates

Minimum balance of $500

6 months/182 days

 0.75%0.75%

1 year/12 months

 1.15%1.16%

15 months

 2.15%2.17%

1.5 years/18 months

 1.30%1.31%

2 years/24 months

 1.55%1.56%

27 months

 2.35%2.38%

2.5 years/30 months

 1.65%1.66%

3 years/36 months

 1.90%1.91%

4 years/48 months

 2.40%2.43%

5 years/60 months

 2.60%2.63%

Fees Accurate as of

For our Senior Citizens age 55 and over who have a Direct Deposit of their primary source of income (Pension, Social Security, etc.), we offer FREE Printed Checks and Cashiers Checks.

Charges

Safe Deposit Box

Box Rental Range from $12-$75/Year
Key Replacement $6.50/Key
Box Drilling $85.13-$117.92

Bill Payer

Bill Payer Service

 Free with eStatements
Stop Payment for Bill Payer Check $20/Check
Check Copy for Bill Payer Check $20/Check

Account Fees

NSF $25/Item

Overdraft Privilege

 $25/Item
Stop Payment $20/Request

Check Printing

 Prices vary depending on style
Overdraft Transfer $5/Transfer
ATM Network Foreign ATM withdrawal inquiry $0.50
Debit/PIN Transaction FREE

Excessive Debit Card or PIN Replacement

$5/Request

Account Reconciliation

$10/Hour

Notary Public and Signature Guarantee

FREE

Personal Check Copy

$2/Check

Personal Copy

$0.10/Page

Personal Fax

$1/Page

Return Item

$25

Statement Copy

$1/Statement

Wire Transfer Fees

An additional charge, up to $10 may apply if member-supplied information is incorrect

Domestic outgoing $15/Transfer
International outgoing $15/Transfer
Incoming Wire FREE
Wire Trace Request or Return $25

Health Savings Account Fees

Minimum Balance of $5

Opening Fee $25
Annual Fee $25
Annual Fee $35
Routing# 251483311 Local Calls: 540.946.3200 Out of Area Calls: 800.245.8085 140 Lucy Lane | P.O. Box 1365, Waynesboro, VA 22980
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