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RATES

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of March 1, 2024.

Dividends on all accounts may change at any time as determined by the Board of Directors. Dividends are paid from current income and available earnings after required transfers to reserves have been made at the end of the dividend period. Please be aware that early withdrawal penalties may apply to all certificates. Fees may reduce earnings on all accounts.

Loans

Loan Type Max Term APR
Auto Loans 84 Months 6.24% - 18.00%
Small Recreational Vehicles
Motorcycles, UTVs, 4-Wheelers, Jet Skis, Snowmobiles, Horse Trailers, etc.
84 Months 7.00% - 18.00%
Large Recreational Vehicles
Boats, Motor Homes, Travel Trailers, 5th Wheels, Campers, Living Quarter Horse Trailers
180 Months 7.24% - 18.00%
Mobile Home Loans
Mobile homes must be manufactured after 1976. Must be owner occupies and cannot be used as an investment property
180 Months 5.85% - 18.00%
Land Loans 180 Months 6.74% - 11.74%
First Mortgage Loans
Must be owner-occupied, Primary Residence or Second Home
360 Months Please Call for Current Rates
Second Mortgage / Home Equity Loans
Must be owner-occupied and cannot be an investment property
240 Months 5.85% - 9.00%
Home Equity Line of Credit (HELOC)
Must be owner-occupied and cannot be an Investment Property
180 Months Variable
Personal Loans 60 Months 9.49% - 18.00%
Overdraft Lines of Credit
Monthly payments will be figured at 3% of outstanding balance at the time of the advance, with a minimum payment of $25.00 monthly
Revolving 11.90%
Visa Credit Cards
No Annual Fee
Revolving 8.00% - 17.90%
Share Secured Loans 60 Months Rate + 2.00%
Certificate Secured Loans Varies Rate + 2.00%
Credit Builder Loan 36 Months 9.00%
Loan rates effective as of November 17, 2023. The interest rate on each loan is customized to the individual member. Factors that will affect your rate are your credit history, the loan type, value of collateral, and the term that you request. Some restrictions may apply.

Share Savings/Idaho Medical Savings

Minimum Balance to Earn Dividends APY Dividend Rate
$25 0.10% 0.10%

The above rates reflect the anticipated APY for the current month.

Dividends will be calculated on an average daily balance method and be paid on last calendar day of each month.

Loot Saver Savings Account

Minimum Balance to Earn Dividends APY Dividend Rate
$0.01 - $1,000 5.00% 4.889%
$1,000.01 & Above 0.10% 0.10%

The above rates reflect the anticipated APY for the current month.

Dividends will be calculated on an average daily balance method and be paid on last calendar day of each month.

Primary Business Savings Account

Minimum Balance to Earn Dividends APY Dividend Rate
$25 0.10% 0.10%

The above rates reflect the anticipated APY for the current month.

Dividends will be calculated on an average daily balance method and be paid on last calendar day of each month.

SuperShares Money Market

Minimum Balance to Earn Dividends Dividend Rate APY
$2,500 - $9,999.00 0.70% 0.702%
$10,000 - $24,999 0.75% 0.753%
$25,000 - $49,999 0.80% 0.803%
$50,000 - $99,999 0.85% 0.854%
$100,000+ 1.25% 1.258%

The above rates reflect the anticipated APY for the current month.

Dividends will be calculated on an average daily balance method and be paid on last calendar day of each month.

Certificates of Deposit

Term Minimum Balance to Earn Dividends Dividend Rate APY
6 Months at Maturity** $500 4.50% 4.551%
12 Months at Maturity** $500 4.25% 4.25%
18 Months Quarterly*** $500 4.25% 4.318%
24 Months Quarterly*** $500 4.00% 4.060%
36 Months Quarterly*** $500 3.00% 3.034%
48 Months Quarterly*** $500 3.25% 3.290%
60 Months Quarterly*** $500 3.50% 3.546%

Early withdrawal penalty for Certificates 12 months or less 90 days of dividends

Early withdrawal penalty for Certificates over 12 months 180 days of dividends

*Dividends will be calculated on an average daily balance method and be paid on the last calendar day of each month.

**Dividends paid at maturity

***Dividends paid every ninety days from issued date until maturity

Individual Retirement Accounts/ERA

Term Minimum Balance to Earn Dividends Dividend Rate APY
IRA Daily Savings* $100 0.10% 0.10%
6 Month** $100 4.50% 4.551%
12 Month** $100 4.25% 4.25%
18 Month*** $100 4.25% 4.318%
24 Month*** $100 4.00% 4.060%
36 Month*** $100 3.00% 3.034%
48 Month*** $100 3.25% 3.290%
60 Month*** $100 3.50% 3.546%

Early withdrawal penalty for Certificates 12 months or less 90 days of dividends

Early withdrawal penalty for Certificates over 12 months 180 days of dividends

*Dividends will be calculated on an average daily balance method and be paid on the last calendar day of each month.

**Dividends paid at maturity

***Dividends paid every ninety days from issued date until maturity

Fees

Personal Account Fees
Account Re-Opening (Within 30 days of closure) $25.00
Card Payment Processing * (In person or over the phone) 5% of transaction (Fee not to exceed $25)
Cashier's Check $2.00 each
Check Printing Depends on style
Counter Checks $1.00 per 4 checks
Debit Card Reissue $5.00 per card
Everyday Spend Card $4.50 each
Flex Pay $20.00 each
Gift Card Fee $2.00 each
Inactive Account (Fee charged after 12 months inactivity on the last business day of March, June, September & December) $5.00 per quarter
IRA Annual Fee $10.00/IRA
IRA Closing Fee $5.00
IRA External Transfer Fee $25.00
Items Returned Unpaid ** $25.00
Membership Fee (One-time) $5.00
Money Order $2.00/each
Negative Balance Charge ** $25.00
Paid Non-Sufficient Funds ** $25.00 each
Research or Reconciliation $20.00 per hour
Returned Deposit Fee $10.00 per item
Returned Deposit (From members own account) $25.00 per item
Returned Statement $5.00 per item
Level Up Checking $8.00 per month
Stop Payment $20.00 per item
Travel Money Card $6.00 each
Visa International Service Assessment (ISA) Fee *** 1% of Transaction
Wire – Outgoing Domestic $25.00 each
Wire – Outgoing Foreign $45.00 each
Fees Effective 3/1/2024
* Fee will be assessed & processed at the time of transaction
** Per item, per presentment
*** Fee will be assessed on all transactions made in a foreign country & if the merchant or third party processor resides in a foreign country

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To apply, please submit your resume to info@latahcu.coop