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Rates

Share/Savings Accounts


Share Accounts

Regular Savings – $5 Minimum .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 4.00 – 5.00 APR** Terms vary, contact Credit Union for details.
New Vehicles 3.75 APR** Terms vary, contact Credit Union for details.
New Vehicles 3.75 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-side72 – 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-sides72 – 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 Motorcycle-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-sides72 – 84 Month available on purchases over $15,000.00.
 Christmas Loans *Available October through December 8.99 APR**
$1,000 loan – $100 per month payment/12 Months
$1,500 loan – $140 per month payment/12 Months

$2,000 loan – $180 per month payment/12 Months

 

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.

*APY = Annual Percentage Yield          **APR = Annual Percentage Rate

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