801 River Street
Ontonagon, MI 49953 USA

Tel: +(906) 884-2069

RATES

Share/Savings Accounts
 

Share Accounts

Regular Savings .15 Div. Rate .15 APY *
01 Sub-Account .15 Div. Rate .15 APY *
    $0 Minimum $0 Maximum
02 Sub-Account .15 Div. Rate .15 APY *
    $0 Minimum $0 Maximum
17 Sub-Account .15 Div. Rate .15 APY *
    $.01 to $999.99
17 Sub-Account .20 Div. Rate .20 APY *
    $1000.00 to $2499.99
17 Sub-Account .25 Div. Rate .25 APY *
    $2500.00 and over
Share Certificate Accounts

3 Month Certificate of Deposit .15 Div. Rate .15 APY *
6 Month Certificate of Deposit .25 Div. Rate .25 APY *
12 Month to 60 Month Certificate of Deposit .25 Div. Rate .25 APY *
$500.00 minimum for certificates of deposit, plus a $5.00 par value in share account.
Share Draft Accounts

Share Draft 0.00 Div. Rate 0.00 APY *
 

Christmas Club .15 Div. Rate .15 APY *
Loan Accounts
On debt consolidation loans, bills that are to be paid with the proceeds must be presented to the Credit Union for payment.
Debt Consolidation 8.00 APR 48 Months or Less
Secured Loan 8.00 APR 36 Months or Less
  Loans over $5000.00 – Vehicle terms and conditions apply
Unsecured Loans (Signature)

Unsecured Loans 10.00 APR up to 36 Months
Single Payment Notes 15.00 APR 30 Days to 180 Days
Revolving Credit (Open End) 10.00 APR 36 Months or Less
All loans over $5000.00 or loans that will put the member’s total debt with the Lake Superior Credit Union over $5000.00 will be required to have collateral.
Vehicle Loans
Refinancing of New and Used Vehicle Loans when a rate decreases will be allowed only on vehicles financed with the credit union within the previous 30 days. A new application must be filled out and member must sign new loan papers in order to refinance these loans.

Used Vehicles 3.50 APR Terms vary, contact Credit Union for details.
New Vehicles 3.50 APR Terms vary, contact Credit Union for details.
New Vehicles 3.50 APR 72 Months
Recreational Vehicle Loans

New Recreational 4.99 – 5.99 APR  Terms vary, contact Credit Union for details.
   Includes Lawn & Garden, ATV, Snowmobile, Off-Road Motorcycle, 4-Wheeler & Side-by-side

72 – 84 Month available on purchases over $15,000.00.

New Recreational 4.99 – 5.99 APR Terms vary, contact Credit Union for details.
  Includes Camper, Motorhome, Trailer, Boat/Motor/Trailer Combination & Side-by-sides

72 – 84 Month available on purchases over $15,000.00.

Used Recreational 4.99 – 6.99 APR Terms vary, contact Credit Union for details.
  Includes Lawn & Garden, ATV, Snowmobile, Off-Road Motorcylce, 4-Wheeler & Side-by-sides
Used Recreational 4.99 – 6.99 APR  Terms vary, contact Credit Union for details.
  Includes Camper, Motorhome, Trailer, Boat/Motor/Trailer Combination & Side-by-sides

72 – 84 Month available on purchases over $15,000.00.

 Christmas Loans $1,000 loan – $100 per month payment  12 Months
 *Available October through December
Fees & Disclosures
Deposit Account Fees

Share Draft Fee $3.50 per month
Overdraft Fee $25.00 each
Stop Payment Fee $25.00 each
ATM/Debit Card Fee $5.00 per month
Loan Account Fees

Processing Fee for Approved Installment Loans 50.00
Loan Extension Fee 25.00
Miscellaneous Fees

Money Order Fee $1.50 each
Wire Fee $20.00 each
Share Draft Copies $2.00 each
Garnishment Fee $25.00 plus costs
Levy Fee $25.00 plus costs
Research Fee $10.00 per quarter hour
Credit Union Check $3.00 each
Extra ATM/Debit Card for account $7.00 per card
Lost or Stolen ATM/Debit Card $7.00 per card
Pin Replacement/Reissue $3.00 per occurrence
Pin Based Transactions $1.00 per transaction
Contact the credit union for a complete fee schedule.