Chivaho

 

Urgent Message

Shares

Chivaho
Shares
$50 and above .30 APY

Holiday Club    .30 APY


Share Draft
N/A
IRA Share      .50 APY
Diamond Share Account
(Minimum Deposit $1,000)
$1,000 - 9,999.99 ........ .30 APY
$10,000 - 49,999.0....... .30 APY
$50,000 - 99,999.99....  .40 APY
$100,000 - Above......... .55 APY

Share Certificates
(Minimum Deposit $500)
6 Month:.................... .25 APY
12 Month:.................. .35 APY
18 Month:................  .50 APY
24 Month .................. .65 APY
30 Month................... .75 APY

JUMBO CERTIFICATES ($75,000 Min Deposit)

6 Month:   .40% APY

12 Month: .50% APY

18 Month: .65% APY

24 Month: .80% APY

30 Month: .90% APY

 

*Rates are subject to change without notice.
Contact the Credit Union for more information
on current rates.*

Chivaho
Urgent Message

Loans

Chivaho
Home Equity Loans

1 - 20 Years

80% of appraised value

 

3.50%- 9.75% APR

Auto & Motorcycles Rates New to 5 years

Up to 60 Months: 2.75% - 8.49% APR

61 to 72 Months

84 Months (2 years or newer)

3.25% - 8.99% APR

3.99%- 8.99%  APR


Used Auto & Motorcycle Rates

2007-2003

4.25% - 8.99% APR max 60 months

 

2002 & older

 

5.25% -12.50% APR max 36 months
Classic Auto contact credit union for current rates.

Recreational Vehicles

(includes motor homes, campers, ATV, Boats)

 

New 5.25% - 10.25% APR 120 months max

Used 6.75%- 11.75% APR 120 months max

Mobile Homes

New up to $20,000 7.49% - 12.49% APR 120 months max

New over $20,000 7.99%- 12.99% APR 120 months max

Used up to $20,000 9.49%-14.49% APR 120 months max

Used over $20,000 9.99%- 14.99% APR 120 months max

 

 


Line Of Credit Loans
Line of Credit 9.90%-17.99% APR

Signature Loans

Up to Available limit - 48 months

7.99% - 16.99% APR

*Rates are subject to change

Contact the CU for current rates
Chivaho

 

Chivaho Education

Membership Fees

Chivaho
FEE SCHEDULE EFFECTIVE MARCH 1, 2013
 
Membership Share: $5.00 par value

Share Account Fees:
ACH Return: $25.00 per item
Dishonored Item: $25.00 per item
Money Market Excessive W/D $10.00 over 3 per mo.

Share Draft Account Fees:
Overdraft (Any): $25.00 per item
Dishonored Item: $25.00 per item
ATM/Debit Card NSF $25.00 per item
Foreign ATM   .50 per transaction
Stop Payment: $25.00 each placement
Cancelled Draft Copy (web no charge) $5.00 per item
Document Copy  (web no charge) $5.00 per item
Courtesy Pay: $25.00 per item
ACH Item (cancel, revok, stop pay) $25.00 per item
Share Draft Printing: Prices vary
Statement/Acct History: $ 5.00 per copy
Dishonored Item: $25.0 per item
Wire Transfer (ALL): $20.00 per item
Credit Union Official Check $ 5.00 per check
Stop Payment (Official CU Check) $30.00 per item
Business Checking  $5.00 per month 
Escheatment/Legal Process $25.00 per Document
CU Replacement Check $5.00 per item
Visa Travel Money Card $4.95 up to $1000  
Visa Travel Money Card          $5.95 $1001- $5000
Visa Travel Money Card Reload   $2.00 per item
Inactive Account $2.00 per month after 12 months
Money Order $2.00 per item
Copy of Draft $3.00 per item
Account Research  $50.00 per hour
Account History Printout      $5.00 per printout
Account Statement Copy   $5.00 per statement
Garnishment $25.00 per item
Collection $25.00 per case
Child Support Processing $5.00 per case
 Fax    $2.00 1st page  $1.00 additional pages
Return Mail $  2.50 per item
Share Account Closed within 90 days $5.00 per account
ATM/Debit Replacement Card $5.00 per card
 
VISA Credit Card
Card or Pin Replacement       $5.00 each
Unreturned Card     $5.000 each
Rush Card       $20.00 per card
Emergency Card     $175.00 per card
Skip A Pay       $10.00 per pymt
Pay by Phone       $10.00 per pymt
Late Payment $25.00 or required min pymt, which ever is less
Returned Payment $25.00 or required min pymt, which ever is less
Statement Copy $5.00 per copy
Document Copy $3.00 per copy
Chivaho
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Disclosures

Chivaho

 

  • Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in the Truth-In-Savings Disclosure are share accounts.
  • Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share,Sub-Share, IRA Share, Organizational Share, Diamond Share-Money Market accounts and Share Draft accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union's Board of Directors. For Holiday Club accounts, the dividend rate and annual percentage yield may change annually as determined by the Credit Union's Board of Directors.   The Dividend Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule.
  • The Diamond Share - Money Market accounts are tiered rate accounts.  If your daily balance is from $1,000 to $9,999.99, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply.  If your daily balance is from $10,000 to $49,999.99, the second dividend rate and annual percentage yeild listed for this account will apply.  If your daily balance is $50,000 to $99999.99 the third dividend rate and annual percentage yield listed for this account will apply.  If your daily balance is $100,000 or greater, the fourth dividend rate and annual percentage yield listed for this account will apply.  Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. 
  • Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
  • Dividend Compounding and Crediting. The compounding and crediting of dividends and dividend period applicable to each account are set forth in the Rate Schedule. The Dividend Period is the period of time at the end of which an account earns the dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.
  • Accrual of Dividends. For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.  If you close your account before accrued dividends are credited, you will not receive the accrued dividends.  However, for Holiday Club accounts, any accrued dividends will be paid if you close the account within seven(7) days of the date you open it. 
  • Balance Information. To open any account, you must deposit or already have on deposit the minimum required share(s) in a Share account.  Some accounts may have additional minimum opening deposit requirements.  The minimum balance requirements applicable to each account are set forth in the Rate Schedule.  For Diamond Share- Money Market accounts, there is a minimum daily balance required to avoid a service fee for the dividend period.  If the minimum daily balance requirement is not met during each day of the dividend period, you will be charged a service fee as stated in the Fee Schedule.  For Share, Sub Share and Holiday Club accounts, there is a minimum average daily balance required to earn the annual percentage yield disclosed for the dividend period.  If the minimum average daily blance requirement is not met, you will not earn the annual percentage yield stated in the Rate Schedule.  For Diamond Share- Money Market accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period.  If the minimum daily balance requirement is not met each day of the dividend period, you will not earn the stated annual percentage yield.  For accounts using the average daily balance method as stated in the Rate Schedule, dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the munber of days in the period.  For accounts using the daily balance method as stated in the Rate Schedule, dividends are calculated by applying a daily periodic rate to the principal in the account each day.
  • Account Limitations. For Share, Sub Share, Holiday Club, IRA Share and Organizational Share accounts, you may make no more than six(6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a perauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order.  If you exceed these limitations, your account may be subject to a fee or be closed.  For Holiday Club accounts, the entire balance will be paid to you by check or transferred to another account of yours on or after October 31, and the account will remain open.  You may not make withdrawals from your account at any other time.  If you wish to access the funds in your Holiday Club account you may close it.  If you close your account, you will forfeit all accrued, uncredited dividends.  However, any accrued dividends will be paid if you close the account within seven(7) days of the date you open it.  For Diamond Share - Money Market accounts, you may make up to three (3) withdrawals from your account each calendar month without a fee.  If you exceed this limitation, you will be charged a fee as disclosed in the Fee Schedule.  For Organizational Share Draft and Share Draft accounts, no account limitations apply. 
  • Fees For Overdrawing Accounts.  Fees for overdrawing your account may be imposed on each check, draft, item, ATM transactions and one-time debit transactions (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance.  The entire balance in your account may not be avilablel for withdrawal, transfer or paying a check, draft or item.  You may consult the Funds Availability Policy disclosure for  information regarding the availability of funds in your account.  Fees for overdrawing your account may be imposed for each overdarft regardless of whether we pay or return the draft, item or transactions. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit.  Please refer to the Fee Schedule for current fee information.  ATM and one-time debit transactions.  You must consent to the Credit Union's overdraft protection plan in order for the transaction amount to be coverd under the plan.  Without your consent, the Credit Union may not authorize and pay an overdraft resulting form theses types of transactions.  Services and fees for overdrafts a shown in the document the credit union uses to capture the member's opt-in choice for overdraft protection and the Schedule of Fees and Charges. 
  • Fair and Accurate Credit Transactions Act of 2003. As required by the Fair and Accurate Credit Transactions Act of 2003, Chivaho Federal Credit Union wants to inform you that we may report information about your account to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report and/or consumer report.

 

Chivaho