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Locations and Phone

Oakdale Office

608.372.3939 or
888.242.8115 - Toll Free

Mauston Office

608.847.6364

Reedsburg Office

608.524.5885

Rates and Fee Schedule

Loan Rates

Loan Rates Effective 06/20/2017

Rates are subject to change. Rates may vary based on credit score and other factors. Down payment may apply. Membership eligibility is required.
APR=Annual Percentage Rate

 
Closed-End Loans Rate APR Term Per $1000 Borrowed  
Rates as low as:
Auto - New 2.49 2.49 36 $ 28.86 Calculator
Auto - New 2.49 2.49 48 $ 21.91 Calculator
Auto - New 2.49 2.49 60 $ 17.74 Calculator
Auto - New 2.49 2.49 72 $ 14.97 Calculator
Auto - New 2.49 2.49 84 $ 12.98 Calculator
Select vehicles only. Optional 3 yr balloon on 72 and 84 month terms.  Actual loan rate may vary based on credit score and other factors.  Rate above includes a .25% deduction for automatic payments.
Rates as Low as:
Auto - 2013 or Newer 2.99 2.99 36 $ 29.08 Calculator
Auto - 2013 or Newer 2.99 2.99 48 $ 22.13 Calculator
Auto - 2013 or Newer 2.99 2.99 60 $ 17.96 Calculator
Auto - 2012- Older 3.49 3.49 36 $ 29.30 Calculator
 
Recreational 3.49 3.49 60 $ 18.19 Calculator
Recreational - Used 3.49 3.49 60 $ 18.19 Calculator
Personal - Under $1000.00 11.30 11.30 36 $ 32.88 Calculator
Personal - $1000.00 or more 7.30 7.30 36 $ 31.02 Calculator
Actual loan rate may vary based on credit score and other factors.  No credit union fees apply.  Rate above includes a .25% deduction for automatic payments.

 

Kwik Cash - Open Line of Credit (fixed)

 

Rate APR
9.00 9.00
No Fees Apply

1st Mortgage - 3 Year Arm (Adjusted Rate Mortgage)

Rate Term Points Per $1000.00 Borrowed APR
  30 Year 0    
  20 Year 0    
  15 Year 0    
Contact our loan department for rates on the best program that fits your needs
 
 

2nd Mortgage - 3 Year Arm (Adjusted Rate Mortgage)

Rate Term Points Per $1000.00 Borrowed APR
  30 Year 0    
  20 Year 0    
  15 Year 0    
Contact our loan department for rates on the best program that fits your needs
 
 

Home Equity - Open Line of Credit

Current Rate APR
5.25 5.25
Recording and Title Fee Search may apply
Maximum APR that may be imposed is 12%
Variable rates are subject to change

Share Secured - Open Line of Credit

Rate APR
5.00 5.00
No Fees Apply

Deposit Rates

Deposit Rates Effective 06/02/15

Membership eligibility required. Rates are subject to change. Fees can reduce earnings.
APY=Annual Percentage Yield

Share/Savings Dividend Rate APY Term
Share Passbook - Minimum $25 to earn dividends .05 .05 n/a
Health Savings Account (HSA)-Minimum $25 to earn dividends .05 .05 n/a
Share Draft - Minimum $500 to earn dividends .03 .03 n/a
First Insured Share Draft-Minimum balance $2500 .07 .07 n/a
Share IRA .15 .15 n/a
Christmas Club .15 .15 n/a
 

Certificate Rates

Certificate Rates Effective 6/02/15

Rates are subject to change. $250.00 minimum opening deposit required. A penalty will be imposed for early withdrawal. Membership eligibility required. Fees can reduce earnings.
APY=Annual Percentage Yield

Certificates Dividend Rate APY Term
Share - 1 Month .10 .10 1
Share - 3 Month .10 .10 3
Share - 6 Month .15 .15 6
Share - 9 Month .25 .25 9
Share - 12 Month .25 .25 12
Share - 15 Month .35 .35 15
Share - 18 Month .40 .40 18
Share - 24 Month .40 .40 24
Share - 30 Month .50 .50 30
Share - 36 Month .60 .60 36
Share - 42 Month .70 .70 42
Share IRA - 12 Month .25 .25 12
Share IRA - 24 Month .40 .40 24

Fee Schedule

Fees could reduce earnings on accounts
Effective: 3/1/2017

Miscellaneous Fees
ATM (TYME) Card Annual Fee $24.00
ATM (Pulse) Non-Sufficient Funds Fee $28.00 each
Visa Debit Card Non-Sufficient Funds Fee $28.00 each
Preauthorized EFT Non-Sufficient Funds Fee $28.00 each
Bill Pay Monthly Service Fee FREE
Bill Pay Non-Sufficient Funds Fee $28.00 each
Replacement/Regeneration Debit/ATM PIN $2.00
Replacement or Lost ATM Card/Debit Card $10.00
Incoming Domestic Wire Fee/International Wire Fee $8.00
Outgoing Domestic Wire Fee $15.00
Outgoing International Wire Fee $75.00
Western Union CMO (In the U.S.) $25.00
Certified Checks $5.00 each
Money Orders $2.00 each
Travel Cards
- Minimum to load ($100-$1000, not to exceed the $5000 card limit)
- No Monthly Fee (at 11 months there is a $5.00 inactive fee)
- Denied Transaction Fee .50 cents
 

$9.95 - Issue Fee
$2.00 - Reload Fee Online – takes up to 5 days for processing –www.cumoney.com
ATM withdrawal fee - Domestic: $1.50, Other Currency: $2.00
$1.50- ATM Balance Inquiry Fee


*Some ATM Operators may charge an additional charge

Gift Cards
-Load amount ($10-$500)
-Card Life - 18 months (embossed date)
-Cannot use at an ATM
-Use as Point Of Sale with a signature
$4.95 - Load fee
$10 - Replacement Card

- VRU Usage (Voice Response Unit)
- .50 cent charge per phone call starting after the 4th call to the automated phone system each month
- $5.00 charge per call when talking to a live representative after 2 free calls a month
- Monthly Maintenance fee
- $3.00 - to start on the 7th month of card inactivity
Share Account/Excessive Withdrawal Fee $3.00 per withdraw in excess of 6 (six) per month
Share/Share Draft Non-Sufficient Funds Fee $28.00 per transaction
First Insured Minimum Balance Fee $10.00 per month
First Insured Excessive Withdrawal Fee $10.00 per transaction
Charge Back of a Non-Paid Check $10.00 per draft
Account Balancing Assistance $15.00 per month
Stop Payment $15.00 per draft
  $45.00 maximum
Copy of a Draft FREE
CU Draft to be sent to Another Organization $5.00 per draft
Garnishment/Tax Levy $25.00 per Levy/Garnishment
Real Estate Loan Coupon Book $24.00 per booklet
Consumer Loan Coupon Book $4.00 per booklet
Transaction History Copies (current month to 5 months back) $1.00
Statement Copies $10.00 per month
Fax $3.00 first page $1.00 for every page after
Returned Mail Fee $5.00 for each piece returned
Inactive Account Policy
- An account $10.00 or under will be considered inactive if there has been no membership transactions (deposits, withdrawals, payments) within a period of 12 months. These accounts will be assessed a $1.00 per month maintenance fee.


 

Visa Credit Card Fees

Regular Rewards Card 10% Annual Percentage Rate
Platinum Rewards Card 9% Annual Percentage Rate
Regular Regular No Rewards Card 8% Annual Percentage Rate
Grace Period for repayment of the balance for purchases 25 days
Method of Computing the balance for purchases and Cash advances Average Daily Balance, Including New
Minimum Finance Charge None
Transaction fee for purchases None
Annual Fee None
Card Replacement Fee $10.00
Late Payment $15.00 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment.
Return Payment Fee $20.00 or the amount of the required minimum payment, whichever is less.
Statement Copy $5.00
Document Copy $5.00
Emergency Card Replacement $150.00
Card Recovery Fee $65.00