Competitive Rates

Loan Rates

Effective 6/20/2018. Rates subject to change daily.

NEW AUTOMOBILE LOANS 2019-2017

TERM APR DOWN PAYMENT
Up to 72 months 2.99% – 17.99% 0%

NEW BOATS AND RVs

TERM APR DOWN PAYMENT
Up to 84 months 3.59% – 17.99% 0%

PROGRAM CARS

TERM APR
2019 – 2017 up to 12,000 miles Same as New Car

USED AUTOMOBILES

YEAR TERM APR MAXIMUM LOAN
2019-2018 72 months 2.99% – 17.99% Minimum $20,000
2017-2016 66 months 3.29% – 17.99% Under $20,000
2015-2014 60 months 3.39% – 17.99% NADA Value
2013-2012 48 months 3.49% – 17.99% NADA Value
2011-2010 36 months 4.99% – 17.99% NADA Value

USED BOATS & RVs

YEAR TERM APR
2019-2018 72 months 3.49% – 17.99%
2017-2016 60 months 3.99% – 17.99%
2015-2014 54 months 4.59% – 17.99%
2013-2012 42 months 4.99% – 17.99%
2011-2010 36 months 5.99% – 17.99%

OTHER LOANS AND CREDIT CARD RATES

LOAN TYPE APR
New Motorcycles 4.99% – 17.99%
Home Improvement 4.99% – 11.99%
Home Equity Loans 4.69% – 11.99%
Signature Loans 9.99% – 17.99%
Share Secured Loans Share Rate + 3.00%
C.D. Secured Loans C.D. Rate + 2.00%
Vacation Loans 7.99% – 17.99%
MasterCard 9.90% – 13.90%
ATV/Personal Motorcraft 4.99% – 17.99%

HOME LOANS

Mortgage Financing Available. Ask Our Mortgage Loan Officer For Rates and Products.

CONSUMER LOANS
Pine Branch
1118 Pine, Abilene, TX 79601
(325) 670-2429
fax (325) 670-2588
Catclaw Branch
3324 Catclaw, Abilene, TX 79606
(325) 670-2429
fax (325) 690-1035
HOME EQUITY LOANS & MORTGAGE LOANS
Catclaw Branch
3324 Catclaw, Abilene, TX 79606
(325) 670-2429
fax (325) 690-1035

Savings Rates

Effective 6/20/2018. Rates subject to change daily. Fees may reduce earnings.

ACCOUNT TYPE ACCOUNT BALANCE DIVIDEND RATE ANNUAL % YIELD DIVIDEND PAID
Share Account $100.00+ 0.20% 0.20% Quarterly
 $4Me  $50.00+  0.30%  0.30%  Quarterly
 Special Savings  $100.00+  0.20%  0.20%  Quarterly
 Christmas Club  $100.00+  0.25%  0.25%  Quarterly
 All Star Account  $50.00+  0.30%  0.30%  Quarterly
 Money Market  $1,000.00+
$25,000.00+
$75,000.00+
 0.25%
0.35%
0.40%
 0.25%
0.35%
0.40%
 Monthly
 IRA  $100.00+  0.65%  0.65%  Quarterly
 $4Me Draft  $50.00+  0.15%  0.15%  Monthly
 Vantage Plus  $100.00+  0.15%  0.15%  Monthly
 Vantage 50+  $100.00+  0.15%  0.15%  Monthly

Term Share Certificates

Term Share Certificates – Penalty will or may be imposed for early withdrawal.

TERM DIVIDEND RATE ANNUAL % YIELD
Vantage 50+
Bonus Rate
N/A N/A
Minimum of $1,000 3 months
6 months
12 months
24 months
0.50%
0.60%
1.00%
1.20%
0.50%
0.60%
1.00%
1.20%
Minimum of $50,000 3 months
6 months
12 months
24 months
0.60%
1.00%
1.15%
1.45%
0.60%
1.00%
1.15%
1.45%
All Star & $4Me

Minimum of $500

12 months
24 months
2.00%
2.25%
2.25%
2.274%

Fee Schedule

Fee Schedule

EFFECTIVE
May 15, 2018

Account

New Membership $1 per share account for ages 19 and over
Vantage Free Checking Free
Vantage Plus Checking Service Charge (balance under $500.00) $5 per month
Share Withdrawals (3 free per quarter) $1
Excessive Reopening of Account (If reopened within 90 days of closing) $15
Account Closure Fee (If closed within 90 days from opening) $15
IRA Account Closure $25
IRA Early Withdrawal (before age 70 1/2) $2.50
Opportunity Checking $10 per month
Money Market Withdrawals (3 free per month) $2.50
Christmas Club (withdrawals free Oct.1 – Jan.1) $2.50

Business Account

Classic Business Checking Monthly Service Charge $8.95 per month (15 free transactions)
$0.45 per transaction over 15
Classic Business Checking Item Charge First 50 items free
$0.25 per item over 50
Business Checking Plus Monthly Service Charge $25 per month if minimum balance not met
Business Checking Plus Item Charge First 500 items free
$0.25 per item over 500

Card Services

ATM Withdrawal, Transfer, or Balance Inquiry Fee at Nonproprietary ATMs $1.50 per transaction
Supporting Document Photocopy $15 per item
Debit Card Reissue $5 (excludes cards that are reissued)
Debit PIN Replacement $2

Account Servicing

Overdraft Transfer $1 per occurrence
Courtesy Pay Protection $25 per item
Non-Sufficient Funds (NSF) $30 per item
Deposit Item Returned (member’s check drawn on another financial institution) $30 per item
Deposit Item Returned (all other return items) $5 per item
Stop Payment $20 per request
Manual Check Processing (checks and ACH) $2 per item
Temporary Checks $2 per sheet Starter set free
Fax $1 per page
Official Check Stop Payment $30
Paper Communication $5 per month
Debit or Credit Card Loan Payment
$7.50
(via Phone)
Debit or Credit Card Loan Payment
(via FAFCU Online)
$3.50 (not to exceed $850 Payment)
External Transfer via Home Banking $3.50 per transfer

Other Services

Account Reconciliation $25 per hour One hour minimum
Account Research $25 per hour One hour minimum
Statement Copy $5 per copy
Account Printout $5 per copy
Collection Items (all) $20
Wire Transfer (Outgoing, domestic) $15 per transfer
Money Order $2 per item
Garnishment or Levy $25 per item
Escheatment $25 per account
Telephone Transfer (not PAL) Vantage Free Checking $3 per transfer
Check/Draft Photocopy $3 per copy
Check Cashing 1% per check, if less than $100 on deposit and more than 50% of check is cashed, for ages 19 and older
Check Cashing Nonmember or 3rd Party 2%
Official Check $1 per check
Returned Statement/Bad Address $5 per statement/bad address
Verification of Deposit $5 per item
Guaranteed Funds Certification $15
Notary Free for members, $5 for non- members
Loose Coin Counting 10% over $25 for ages 19 and over
Coin Roll Order $0.05 per roll after fifth roll per day
Currency Strap Order $0.40 per strap