Darigold Federal Credit Union

Rates & Fees

Loans, Share/Savings, Certificates*
Rates are subject to change Effective September 1, 2008*
Loans	Rate	APR
New Car/Truck - Zero Down	6.50%	6.50%
Used Car/Truck - Zero Down	6.75%	6.75%
Unsecured	12.00%	12.00%
Share Secured	4.40%	4.40%
RVs (New and Used) from	from 8.25%	8.25%
Boats	8.50%	8.50%
Home Equity Line of Credit	*Call for current rates
Share/Savings	Rate	APY*
Regular Shares	1.40%	1.41%
Christmas Club	1.40%	1.41%
Individual Retirement Account (IRA)	1.40%	1.41%
Timeline	As low as 12%
Overdraft Protection	As low as 12%
Certificates	Call for current rates
APY = Annual percentage Yield APR = Annual percentage Rate
Fee Schedule
Share Accounts
Minimum Balance	$25.00
Inactive Account Fee	$2.00

Share Draft Account Fees
Credit Report	$10.00
Printing of Checks:	Prices may vary depending on style
Overdraft Protection Transfers	$2.00 each
Non-Sufficient Funds Fee	$20.00 per item (up to 6 maximum per day)
Returned Check Fee	$5.00 per item
Redeposit Fee	$15.00 per item
Stop Payment Request	$6.00 per check (up to 6 per day)
Debit Card Replacement	$10.00
PIN Replacement	$10.00
ATM Transaction	$0.50

Other Service Fees
Loan Application Processing Fee	$7.50
Stop Payment of Credit Union check	$25.00 per check
Credit Report (except for HELOC loan)	$10.00 per report
Credit Report (HELOC loans only)	$15.00 per report
Statement Rerouting Fee	$2.00
Same-Account Transfer of Funds	$2.00 (i.e. savings to checking or loan)
Account Number Lookup	$2.00
Account Research	$10.00 per hour (minimum one hour)
Statement Copy	$2.00
Priority USPS Mail	$5.00
Failed Automatic Payment	$10.00
ACH Return Item	$5.00
Domestic Outgoing Wire	$25.00
Incoming Wire	$25.00

HELOC Fees
Document Preparation	$150.00
Loan Processing	$99.00
Reconveyance Fee	$135.00