Hours of Operation: Monday - Friday
9:00 am - 5:00 pm
Phone: 920.886.6455
Fax: 920.886.6456
Audio Response: 1.800.837.7533
To report Debit/ATM card problems:
During Business Hours:
Mon-Fri, 9am - 5pm call CONE at 920.886.6455
After Hours & Weekends:
Call 1.800.264.5578 |
Current Rates & Fees
CONE Credit Union
Loan Rates
Effective February 1, 2012
| Vehicles or Boat, Motor and Trailer * |
| |
36 mos
APR |
48 mos
APR |
60 mos
APR |
| 2012 - 2007 |
3.75% |
3.99% |
4.25% |
| 2006 - 2002 |
4.50% |
4.75% |
4.99% |
| 2001 - 1998 |
6.75% |
n/a |
n/a |
| 1997 & Older |
7.75% |
n/a |
n/a |
| * The "Best Possible
Rates" given above are available with active CONE checking
account; without checking, add .25%. |
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| Recreational (Snowmobile, ATVs, etc.) * |
| |
36 mos
APR |
48 mos
APR |
60 mos
APR |
| 2012 - 2007 |
4.99% |
5.75% |
6.25% |
| 2006 - 2002 |
6.50% |
6.75% |
7.25% |
| 2001 - 1998 |
6.99% |
n/a |
n/a |
| 1997 & Older |
8.25% |
n/a |
n/a |
| * The "Best Possible
Rates" given above are available with active CONE checking
account; without checking, add .25%. |
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| personal (unsecured) * |
| |
APR |
| 3 Year Maximum term for Signature
Repayment |
11.99% |
| Kwik Cash |
12.99% |
| Overdraft Protection |
17.50% |
| Share Secured |
2.00% over rate |
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| Real Estate |
| — For Fixed Rate Mortgages please call us for rates — |
| Type |
Term |
APR |
LTV |
| Home Equity |
3 yr balloon |
4.25% |
80% |
| 5 yr balloon |
4.50% |
80% |
| Home Equity Line of Credit |
12 month fixed |
4.50% |
n/a |
| 24 month fixed |
4.75% |
n/a |
| Adjustable Rate Mortgages |
12 month fixed |
3.75% |
n/a |
| 36 month fixed |
3.99% |
n/a |
| 60 month fixed |
4.25% |
n/a |
| Investment & Second Residence Properties |
12 month fixed |
4.99% |
n/a |
| 36 month fixed |
5.25% |
n/a |
| Residential Land Loans |
24 month fixed |
4.75% |
n/a |
| 36 month fixed |
4.99% |
n/a |
The annual percentage rate on variable rate products may be increased after the consummation of the loan. No annual fees are associated with Home Equity loans.
* The "Best Possible Rates" given above are available with
active CONE checking account; without checking, add .25%. |
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| Savings Rate APY Minimum Deposit |
Compound daily, posted monthly |
| |
Savings Rate |
APY** |
Minimum Deposit |
| Shares |
0.25% |
0.25% |
$5.00 |
| Over $5,000 |
0.30% |
0.30% |
$5,000.00 |
| Checking |
0.25% |
0.25% |
---- |
| *Christmas Club |
0.40% |
0.40% |
---- |
* interest posted and club disbursed on Oct 14th
** Annual Percentage Yield |
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| Term Share Certificates (CDs) |
Compound daily, posted quarterly
|
| |
Savings Rate |
APY** |
Minimum Deposit |
| 6 month |
0.79% |
0.80% |
$1,000.00 |
| 1 Year |
0.89% |
0.90% |
$500.00 |
| 1 Year |
0.99% |
1.00% |
$5,000.00 |
| 1 Year CD |
1.09% |
1.10% |
$10,000.00 |
| 18 Month |
1.24% |
1.25% |
$10,000.00 |
| 24 Month |
1.34% |
1.35% |
$10,000.00 |
* Annual Percentage Yield
**Certificates of deposit are time deposit, and the penalty for early withdrawal is 90 days interest. |
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| Money Market |
| |
Rate |
APY* |
Minimum Deposit |
| Standard |
0.29% |
0.30% |
$2,500.00 |
| 0.39% |
0.40% |
$10,000.00 |
| 0.49% |
0.50% |
$25,000.00 |
| |
| Premium ** |
0.39% |
0.40% |
$2,500.00 |
| 0.49% |
0.50% |
$10,000.00 |
| 0.74% |
0.75% |
$25,000.00 |
* Annual Percentage Yield
**
An active checking account is the requirement to receive the Premium Money Market Rates listed. An active checking account must have been open for at least 60 days, and there must be at least 5 transactions per calendar month. If the transaction count is fewer than 5 in a month, the interest rate will fall to the Standard |
** All rates subject to change daily **
CONE Credit Union FEES & CHARGES
| ACH / ATM / Checking |
Stop Payments |
$25.00 / item |
Stop Payments over Five Items |
$50.00 |
Check Copy |
$ 1.00 (after 5 FREE copies) |
Mandatory Closure |
FREE |
Statement Copy |
$1.00 / copy |
ATM Charge |
$1.00 (after 6 FREE Monthly Withdrawals) |
ATM Charge (Non TYME) |
$2.00 |
Account Reconciliation (First) |
No Charge |
Account Reconciliation |
$10.00 / hour (After 1st time) |
Replacement Cards |
$5.00 |
Pin Replacement Fee |
$2.00 |
Phone Transfers |
FREE |
NSF Returns |
$25.00 / item |
Money Orders |
$1.00 |
Wire Transfers |
$15.00 |
Foreign Wire Transfers |
$60.00 |
Returned Deposited Check |
$10.00 |
Excessive Overdraft Transfer |
$1.00 (After six free monthly transfers) |
| Representment Check |
$25.00 (Businesses Only) |
| Inactive Accounts |
$3.00 / month |
| Late Loan Payment |
5% of loan pymt or $10.00 maximum |
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