Competitive Rates
Loan Rates
Effective 12/20/2018. Rates subject to change daily.
NEW AUTOMOBILE LOANS 2019-2017
| TERM | APR | DOWN PAYMENT |
| Up to 84 months | 3.39% – 17.99% | 0% |
NEW BOATS AND RVs
| TERM | APR | DOWN PAYMENT |
| Up to 84 months | 3.99% – 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 | 3.29% – 17.99% | Minimum $20,000 |
| 2017-2016 | 66 months | 3.39% – 17.99% | Under $20,000 |
| 2015-2014 | 60 months | 3.49% – 17.99% | NADA Value |
| 2013-2012 | 48 months | 3.99% – 17.99% | NADA Value |
| 2011-2010 | 36 months | 4.99% – 17.99% | NADA Value |
USED BOATS & RVs
| YEAR | TERM | APR |
| 2019-2018 | 72 months | 3.79% – 17.99% |
| 2017-2016 | 60 months | 4.29% – 17.99% |
| 2015-2014 | 54 months | 4.79% – 17.99% |
| 2013-2012 | 42 months | 5.49% – 17.99% |
| 2011-2010 | 36 months | 6.49% – 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 12/20/2018. 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 |
| January 1, 2019 |
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) | $15 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 |