Rates and Fees

Rates Schedule

Share Rates

$50.00 – 999.99 – .05%
$1,000.00 – $4999.99 – .05%
$5,000.00 – $9,999.99 – .05%
$10,000.00 – and above – .10%

Clubs

Vacation Club – .05%

Christmas Club – .05%

Share Certificates (CD’s)

06 months 0.25% – 0.30% APY

12 months 0.40% – 0.40% APY

(minimum deposit $2000.00)

Loan Rates

Signature – 7.50% – 18.00%

Line of Credit – 10% – 14%

Share Secured – 400 Basis Points above the stated rate on share savings at the time of loan.

Pledge of Certificate – 300 Basis Points above the stated rate on share certificate at the time of loan.

New / Used Vehicles

Duration of Loan	Rate
84 months	3.99 – 18.00% Must Purchase Gap Insurance
72 months	3.49 – 18.00% Must Purchase Gap Insurance
60 months	2.99 – 18.00%
48 months	2.99 – 18.00%
36 months	2.99 – 18.00%

*Vehicles over $30,000 can be financed up to 84 months with the purchase of gap insurance.

We will not Finance Vehicles over 10 Years Old.

***Rates are current as of press date and are subject to change without prior notice.

Fees Schedule

All Accounts

Account Research Fee – $6.00 per hour

Dormant Fee (No Activity for 12 months) – $5.00 a month

Late Fee on Loans – $29.00

Legal Process Fee -

$84.00 for Garnishment
$53.00 for Judgement
25% Attorney Fees

Title Transfer Fee -$10.00

Duplicate Title Fee – $10.00

Stop Payment Fee – $25.00

Statement Copy Fee – $1.00 per copy (per item)

Draft Return Insufficient Funds – $35.00

Deposit Item Return - $15.00

Original Copy of Draft - $10.00

ACH Return Insufficient Funds – $35.00

Clear Draft from Shares - $10.00

VISA Check Application Fee – $5.00

VISA Check Card Replacement Fee – $10.00

Check Cashing Fee (Free with Direct Deposit) – $5.00

Excess withdrawal fee of 35.00 per transaction after 6 transactions

Investment Clubs

Christmas Club Account Withdrawal Fee – $10.00 for a withdrawal, other than the automatic withdrawal date ( Nov. 1 )

Vacation Club Account Withdrawal Fee – $10.o0 for a withdrawal other than the automatic withdrawal date (June 1)

ATM

ATM Withdrawal Transfer Fee (if not Richmond Heritage ATM) – $1.00

Membership

Membership Share – $5.00 per value

Membership Fee – $5.00