PERSONAL BANKING
At OMNI, we want to see you succeed and thrive financially. Since we're a not-for-profit credit union, we focus on providing the tools to help you do that. So whether it's products for everyday banking needs like checking, savings or credit cards, to bigger life goals such as home loans, auto loans or investment planning, we've got the financial tools you need for everyday living.
Regular Savings
This is a simple and straightforward savings account that is a great choice if you're looking to start a savings program.
Highlights:
- $5 minimum opening deposit
- $100 minimum balance to earn interest
- Unlimited withdrawals
- Direct Deposit available
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded daily and paid monthly and features tiered rates, meaning the higher your balance, the higher your interest rate earned! Regular Savings rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Smart Savings
This savings account is a great choice if you’re looking to earn a higher interest rate and have the ability to maintain a higher balance.
Highlights:
- $0 minimum opening deposit
- $1,000 minimum balance to earn interest
- Unlimited withdrawals
- Direct Deposit available
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded daily and paid monthly and features tiered rates, meaning the higher your balance, the higher your interest rate earned! Smart Savings rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Senior Advantage
If you’re 55+ years old, this savings account features a great rate plus additional perks only available to our senior members. Simply maintain $5,000+ in combined savings and loan balances and have direct deposit of your payroll, pension or social security.
Highlights:
- 6 free withdrawals from non CO-OP network ATMs/month
- 2 free boxes of checks per year
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded daily and paid monthly and features tiered rates, meaning the higher your balance, the higher your interest rate earned! Senior Advantage rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Health Savings Account
This savings account is a great choice if you're looking to get a handle on rising health care costs. It comes with a free Mastercard® Debit Card which you can use to pay for medical co-payments, office visits, prescriptions and other health related expenses, with the funds deducted directly from this account.
Highlights:
- $0 minimum opening deposit
- $100 minimum balance to earn interest
- Unlimited withdrawals
- Direct Deposit available
- Potential tax benefits*
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking.
Interest on this account is compounded daily and paid monthly and features tiered rates, meaning
the higher your balance, the higher your interest rate earned! Health Savings Account
rates | Account Disclosure
Learn more about Health
Savings Account
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
*Consult your tax advisor for more details.
Christmas Club
This account makes it easy to save throughout the year so you can build up the funds you need for the holiday season.
Highlights:
- $0 minimum opening deposit
- $100 minimum balance to earn interest
- Funds can be withdrawn from October 1 through December 31
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded daily and paid monthly. Christmas Club rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Youth Savings
There are 2 savings account options for our youngest members and both offer unlimited withdrawals and special promotions to encourage savings.
Highlights for Penny Panda (1-12 yrs):
- $200 to open a CD
- $5 minimum balance to earn interest
Highlights for Cyber Savers (13-17 yrs):
- $500 to open a CD
- $5 minimum balance to earn interest
- First 50 checks are free
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded daily and paid monthly and features tiered rates, meaning the higher your balance, the higher your interest rate earned! Youth Savings rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Money Market
This account is ideal if you want easy access to your funds plus more return for your money, without making a long-term investment.
Highlights:
- $0 minimum opening deposit
- $2,500 minimum balance to earn interest
- Easy access to funds
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded monthly and features tiered rates, meaning the higher your balance, the higher your interest rate earned! Money Market rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Certificates of Deposit (CD)
This is a great option if you have a lump sum of money that you'd like to earn higher interest on. Our Certificates of Deposit are safe, secure and earn some of the highest yields in the country. We offer a variety of terms so that you can select the one that works best for your needs. We also offer a Youth CD for our youngest members.
Highlights:
- Minimum $1,000 balance to earn interest
- Minimum $100,000 balance to earn jumbo interest rates
- Variety of terms from 6* to 60 months
- Automatic renewal at maturity
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. CD rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
*6-month term not available in IRA CD.
Individual Retirement Accounts (IRAs)
We offer 4 types of IRAs for our members - Traditional, Roth, Coverdell (ESA), and SEP. Each provides unique benefits based on your age and retirement planning goals. Learn more about IRAs.
Traditional IRA Highlights:
- Tax-deferred earnings and possible tax-deductible contributions
- Contributions are increasing
- IRA CD option
Additional Features:
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Roth IRA Highlights:
- Tax-deferred earnings
- Contributions are increasing
- Withdraw funds without tax consequences
- IRA CD option
Additional Features:
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Coverdell (ESA) IRA Highlights:
- Can be used to pay for qualified elementary and secondary education expenses
- Tax-free and penalty-free if used for qualified education expenses
- Contribute up to $2,000 per child annually
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. IRA rates
Learn more about Coverdell (ESA) IRAs.
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
SEP (Simplified Employee Pension) IRA Highlights:
- Ideal for self-employed individuals and small businesses
- Simple to administer and less expensive to maintain
- No government reporting
- Discretionary contributions from year to year
- Tax deduction for the employer or plan contributions
- Tax-deferred contributions and earnings for employees
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. IRA rates Learn more about Simplified Employee Pension IRAs.
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Rewards Checking
This checking account features all the perks of a free checking account plus earns you rewards points every time you use your debit card. Simply sign up for e-Statements to open this account.
Highlights:
- Earn Smart Rewards when you use your debit card
- Direct Deposit available
Additional Features:
This account has $0 monthly fee and no minimum balance requirements, and also features free
benefits such as Mastercard® Debit Card, Bill Pay, iTalk, and Digital Banking.
Rewards Checking rates |
Account Disclosure |
Mastercard® Guide to Benefits
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Smart Checking
This checking account features all the perks of a free checking account plus earns interest on your balance.
Highlights:
- Tiered rates, meaning the higher your balance, the higher your interest rate earned
- Direct Deposit available
Additional Features:
This account has $0 monthly fee and no minimum balance requirements, and also features free benefits such as Mastercard® Debit Card, Bill Pay, iTalk, and Digital Banking.
Smart Checking rates |
Account Disclosure |
Mastercard® Guide to Benefits
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Apply For A Loan
We make it easy to apply for the loan you need when it's convenient for you!
Vehicle Loans
We offer several affordable loan options for any type of vehicle you need. Whether it's a car, truck, motorcycle, RV or jet ski we've got you covered.
Auto & Motorcycle Loan Highlights:
- Various loan terms and down payment options available
- GAP, Mechanical Repair Coverage,and Credit Life & Disability coverage available
- OMNI's Car Buying Guide
Powersports Loan Highlights:
- Various loan terms and down payment options available
- Powersports loans available for jet-skis, boats and ATVs
Recreational Vehicle (RV) Loan Highlights:
- Various loan terms available
- RV loans available for travel trailers and motorhomes
Additional Features:
All our vehicle loans have no application fee and up to 100% financing/refinancing options. Digital Loan Closing is also available and our partners at TruStage Insurance can also provide you with a free insurance quote to protect your investment. Vehicle Loan rates
Your balance on any OMNI vehicle loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Home Loan
We offer home loans for purchase or refinance, as well as home equity loan options. Whether you're thinking of buying your first home, looking to refinance or considering a home remodel, we have several options to suit your needs.
Mortgage Highlights:
- Purchase or refinance
- Low fees and flexible payment options
- Apply 24/7 with approval in minutes
Home Equity Loan Highlights:
- Ideal option to pay for home improvement, debt consolidation or other major purchase
- Fixed rate with terms up to 20 years
- Fixed monthly payments
- Up to 90% LTV
- May be 100% tax deductible*
- No application fee, annual fee or closing cost
HELOC Highlights:
- Flexible revolving line of credit that can be used and paid for on an ongoing basis
- Rates typically less than credit cards
- 10 year draw period, variable rate and payment
- Pay interest on only what you use
- Access to your money when you want it
Home Improvement Loan:
- Rates as low as 8.49%
- Same day closings
- Loans up to $30,000 for joint borrowers
- Terms up to 5 years
Additional Features:
Our partners at TruStage Insurance can provide a free insurance quote to protect your investment. Mortgage rates
Your balance on any OMNI Home loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
* Consult your tax advisor.
Other Loans
We offer 4 other types of loans for other life events, which feature competitive rates and affordable payment options.
OMNI Fast Cash Highlights:
- Borrow between $300 - $2,000*
- Fixed rate and term
- Upon approval, receive cash instantly into your OMNI account
- Learn more about OMNI Fast Cash loans
*Subject to underwriting. Must be an OMNI Community Credit Union Member for a minimum of 12 months to be eligible for a Fast Cash loan. No credit check is required. Must be 18 years or older. Eligibility is only available to primary account holder. Limited to one active Fast Cash loan at a time. Automatic payment transfer is required. First loan maximum is $500.
Personal Loan Highlights:
- Ideal option to pay for personal purchases such as appliances or debt consolidation
- Various term with both secured and unsecured options
- Competitive rates - Personal Loan rates
Your balance on any OMNI Personal loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Cash Reserve - Personal Line of Credit Highlights:
- Unsecured loan connected to your OMNI Checking Account
- No need to worry about overdrawing your account or paying NSF fees
- Competitive rates - Cash Reserve - Personal Line of Credit rates.
Your balance on any OMNI Cash Reserve loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Student Loan Highlights:
Whether you’re an undergraduate, career training or graduate student get money for school from Sallie Mae®
Student loans from OMNI Community Credit Union in partnership with Sallie Mae® could help! Sallie Mae® student loans are designed for the needs of all types of students.
- Competitive interest rates
- Multiple repayment options
- No origination fees; no prepayment penalty1
To learn more or to apply, please get started here
Borrow responsibly We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank. OMNI Community Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Read More
Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. Read more about additional eligibility information for each product here.
1 Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
®2023 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.
Platinum Mastercard®
We offer 2 Platinum Mastercard® credit card options, one of which is sure to fit your needs.
Platinum Mastercard® Highlights:
- New cardholders*: Enjoy a 4.99% intro rate on all purchases for the first 6 months1
- Accepted worldwide
- Low competitive rate - lower than most banks
Platinum Rewards Mastercard® Highlights:
- New cardholders*: Earn 3X points on all purchases for the first 6 months2
- Earn 1.5X points for every dollar spent until September 30, 2025!**
- Low competitive rate - lower than most banks
- Redeem for cash back, gifts, and merchandise at any time.
Additional Features:
Both cards feature no annual fee, a 25-day grace period on purchases, free balance transfers and easy online account access where you can view and pay bills via Digital Banking. Platinum Mastercard® rates | Terms & Conditions | Mastercard® Guide to Benefits
Your balance on any OMNI credit card is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
*Promotion begins on September 1, 2024, and ends on August 31, 2025, unless terminated earlier by OMNI in its sole discretion. This is not a commitment to lend. Subject to credit and underwriting approval. Restrictions may apply. See credit union for details
1. 4.99% Intro APR Terms & Conditions: Introductory rate applies to new cardholders only and is valid on purchases for the first six-months from the card opening date. Rate will increase to standard rate after promotional period.
2. 3X Platinum Rewards Terms & Conditions: 3X points apply to new cardholders only and are valid for purchases made within first six months from card opening date. Maximum of $2,000 spend on purchases per month at 3X points, after meeting max monthly spend, standard points will apply. After six-month promotional period ends, standard points will apply to all purchases.
**Purchases must be made between October 2, 2023 and September 30, 2025 to qualify for 1.5X points.
Credit Life or Disability Claim
In your time of need, our claims process is quick and easy. If you elected credit life or disability on your loan, you can use this convenient claims process to quickly and easily file your insurance claim.
To begin, please fill out a claim form at https://myclaimportal.cunamutual.com/link/contract?ContractNumber=02104289
If you prefer, call (844) 707-4964 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.
CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. MEMBER'S CHOICE® credit life and credit disability insurance is underwritten by CMFG Life Insurance Company.
TruStage™ Auto & Home Insurance Program
OMNI Community Credit Union could help you save on auto insurance
If you haven't gotten a quote lately, your credit union membership could help you save through the TruStage™ Auto & Home Insurance Program.
TruStage™ Auto & Home Insurance Program combines options to help you save with popular, member friendly benefits:
- Work with licensed insurance professionals within your state
- Get competitive rates, great service, and diverse vehicle insurance options through national providers
- Personalized service with extended hours
Get a free quote today. Don't wait to see how much you could save.
Auto and Home Insurance Products are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. © TruStage
AUT-2948958.4-0924-1026
TruStage™ Home Insurance Program
There's no place quite like the place you call home
You work hard to make your home a special place that holds your most treasured memories. Now that’s worth protecting.
The TruStage™Home Insurance Program helps you protect your house - and everything in it - with coverage underwritten by Liberty Mutual Insurance®, including:
- *Potential savings for OMNI Community Credit Union members
- Coverage for damage or loss due to fire, weather, theft and more
- 24/7 claims, even on holidays
Get a free quote today and help make sure the place you call home has the protection it deserves.
A tradition of strength
TruStage is underwritten by CMFG Life Insurance Company, which is rated "A" (Excellent) as of December 2022 by A.M. Best, an independent rating service which evaluates financial stability and operating performance, year after year. An "A" rating is the third highest of 16 ratings.
*Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
Auto and Home Insurance Products are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. ©TruStage
AUT-2948972.3
TruStage® AD&D
A serious or fatal accident could change your family's life in a heartbeat. In fact, accidents are the third leading cause of death for people of all ages.*
That's why you're entitled to no-cost TruStage® Accidental Death & Dismemberment Insurance - an exclusive member benefit fully paid for by OMNI Community Credit Union.
You can enroll in your no-cost coverage in just a few minutes or give us a call at 1-888-888-3942. If you choose, additional insurance is available for you or your entire family at budget-friendly rates. Your acceptance is guaranteed - with no health questions or medical exam.
To make a claim, please visit: myclaim.trustage.com
ADI-2951070.1
Delta Dental of Michigan
Dental coverage through Delta Dental of Michigan is available for OMNI Community Credit Union members. Members of OMNI Community Credit Union who live in Michigan, can enroll in the nation's largest dental networks: Delta Dental PPO and Premier Network. For more information and to enroll, please visit: https://omnicommunitycu.deltadental.thesalusgroup.com/
MedEdGroup, LLC
OMNI has partnered with MedEdGroup, LLC to provide you with all the information you need on Medicare! They are an insurance agency based in Michigan and certified in Medicare Advantage Compliance to provide Medicare supplements and advantage plans for eligible retirees in Michigan and 11 other states.
For more information, please visit: mededucationgroup.com
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact medicare.gov or (800) MEDICARE to get information on all of your options.
Banking online or by phone is quickly becoming the preferred way to bank. That's why we offer a variety of account access services so you can bank whenever, wherever.
Digital Banking
Manage your accounts online 24/7 from anywhere you have internet access. You can view your account and credit card statements, account history and transactions, transfer funds, pay bills and much more all from your computer. Learn more about Digital Banking
Digital Banking App
Access your accounts from your mobile device and view account information, transfer funds,
deposit checks, pay bills, apply for a loan and more.
Learn
more about Digital Banking App
Bank By Phone - iTalk
Access your accounts by phone to transfer funds between accounts, make a loan payment, make stop payments and more. Contact us to learn more. iTalk toll free: 866-487-7715 or iTalk local: 269-441-3100
E-Statements
Electronic statements are delivered to you each month and are accessible through our Digital Banking service. This features less waste (no more paper statements) and is safe, secure and archived for your convenience. Contact us to learn more.
Direct Deposit
No need to stop in a branch when you use this service. Your payroll, social security or other monthly check can be automatically deposited into your account each month. You will need to provide your OMNI Account number and OMNI Routing Number - 2724-7665-3. Learn more about Direct Deposit.
Online Bill Pay
Easily schedule and pay bills online through Digital Banking for free. Imagine, you'll no longer need to mail payments or wait for automatic withdrawals. You'll have easy online access to your payment history which makes managing accounts that much easier. How to get Started with Online Bill Pay Benefits of Online Bill Pay.
Alerts
Schedule customized Alerts and reminders through Digital Banking. It's a great way to stay on top of your finances. Current Digital Banking App users can sign up by logging in. Learn more about Alerts.
Digital Loan Closing
Accept and sign your loan paperwork through email correspondence. No more trips to the branch to get your loan closed.
ATM/Debit Cards
Our Mastercard® Debit Card lets you make purchases at millions of locations worldwide, wherever the Mastercard® logo is accepted. Use your debit card to pay for goods and services and the funds come directly from your checking account. You can also use this card as an ATM card, making deposits, withdrawals and transfers. If you prefer, we also offer a traditional ATM card which enables you to make deposits, withdrawals and transfers via ATM.
CO-OP ATM Locator
CO-OP Network ATMs. Access your accounts at thousands of surcharge-free ATMs nationwide.
We are dedicated to providing all the products and services to make banking with us easy. That's why we also offer a variety of convenience services to our members. For assistance in any of these services or for additional information, give us a call at 866.OMNI.WOW or stop by a local branch office.
Digital Wallets
Now you are able to pay with a single touch using your OMNI Mastercard® Debit Card or Platinum Mastercard® Credit Card with digital wallets on your smart device. Pay in stores with a single touch wherever you see a logo for Apple Pay®, Google Pay®, Samsung Pay®, or Garmin Pay®. Learn more about Digital Wallets.
Wire Transfers
We offer domestic and international wire transfer service. Contact us to learn more.
Check Images
Access digital images of your checks through Digital Banking. You can view, print or download copies of paid checks from your current and prior two statement cycles free.
Financial Counseling
We've teamed up with GreenPath Financial Wellness, a financial management program to provide you with FREE access to money management and financial education services. Through this membership you can receive assistance with budgeting, debt repayment, money management, improving your credit score, avoiding bankruptcy/foreclosure/repossession and other ways to take control of your finances.
GreenPath Financial Wellness counselors are available Monday through Thursday 8am - 10pm, Friday 8am - 7pm and Saturday 9am - 1pm. To use this service, call 1-877-337-3399 or visit the GreenPath website.
| Effective 11/26/2024 | Rates and Terms are subject to change. Fees may reduce earnings. APR=Annual Percentage Rate. APY=Annual Percentage Yield. Print Rates |
| AUTO/MOTORCYCLE LOAN RATES | Apply |
|---|---|
| 2018 and Newer (Various terms) | As low as 5.99% APR** |
| 2015 to 2017 (Auto only) | As low as 6.74% APR* |
*Annual Percentage Rate (APR) shown is based on you qualifying for all three of the following discounts off the standard rate: 0.25% off for OMNI checking account with debit card. 0.25% off if you have a current or prior loan (within last five years) with OMNI. 0.25% off for Digital Loan Closing. **5.99% available up to 36 months, other rates available up to 84 months.
| RV LOAN RATES | |
|---|---|
| 2023 and Newer | As low as 7.25% APR* |
| 2018 to 2022 | As low as 8.25% APR* |
*Annual Percentage Rate (APR) shown is based on you qualifying for all three of the following discounts off the standard rate: 0.25% off for OMNI checking account with debit card. 0.25% off if you have a current or prior loan (within last five years) with OMNI. 0.25% off for Digital Loan Closing. Up to .75% off if you qualify for all three discounts. 7.25% available up to 120 months. 100% financing under $50,000; 75% financing; 25% down payment required over $50,000.
| POWER SPORTS LOAN RATES | |
|---|---|
| 2018 and Newer | As low as 7.25% APR* |
*Annual Percentage Rate (APR) shown is based on you qualifying for all three of the following discounts off the standard rate: 0.25% off for OMNI checking account with debit card. 0.25% off if you have a current or prior loan (within last five years) with OMNI. 0.25% off for Digital Loan Closing.
| HOME LOAN RATES | Rates |
|---|
| HOME EQUITY LOAN RATES | Contact |
|---|---|
| Fixed Rate: Second Lien 90% LTV | As low as 6.50% APR |
| Line of Credit | Contact us for rate* |
*HELOC Variable interest rate is based on market rates and subject to change at least quarterly. Michigan and Indiana owner-occupied properties only. Program rates, terms and conditions are subject to change without notice. Additional restrictions may apply.
| OTHER LOAN RATES | Apply |
|---|---|
| Closed End Unsecured (Various terms) | As low as 11.49% APR |
| Credit Cards | As low as 11.99% APR* |
| Shared Secured (Various terms) | As low as 5.25% APR |
| Certificate of Deposit Secured | CD Rate plus 2.50% APR |
| Cash Reserve Line of Credit | As low as 14.95% APR |
| Home Improvement Loan | As low as 8.49% APR |
*Annual Percentage Rate (APR) subject to change based on prime rate.
| REGULAR / SPECIAL / SENIOR SAVINGS ACCOUNT RATES | |
|---|---|
| $100 to $4,999.99 | 0.025% APY |
| $5,000 to $9,999.99 | 0.075% APY |
| $10,000 and up | 0.100% APY |
| SMART SAVINGS ACCOUNT RATES | |
|---|---|
| $1,000 to $9,999.99 | 0.050% APY |
| $10,000 to $24,999.99 | 0.100% APY |
| $25,000 to $49,999.99 | 0.125% APY |
| $50,000 and up | 0.150% APY |
| ADDITIONAL SAVINGS ACCOUNT RATES | |
|---|---|
| Christmas Club | 0.100% APY |
| Regular IRA Savings | 0.400% APY |
| PENNY PANDA / CYBER SAVINGS ACCOUNT RATES | |
|---|---|
| $5 to $4,999.99 | 0.250% APY |
| $5,000 to $9,999.99 | 0.399% APY |
| $10,000 and up | 0.598% APY |
| REGULAR / REWARDS CHECKING ACCOUNT RATES | |
|---|---|
| $0 and up | 0.000% APY |
| SMART CHECKING ACCOUNT RATES | |
|---|---|
| $100 to $2,499.99 | 0.000% APY |
| $2,500 to $4,999.99 | 0.000% APY |
| $5,000 to $9,999.99 | 0.050% APY |
| $10,000 to $24,999.99 | 0.100% APY |
| $25,000 to $49,999.99 | 0.125% APY |
| $50,000 and up | 0.150% APY |
| MONEY MARKET ACCOUNT RATES | |
|---|---|
| $2,500 to $24,999.99 | 0.250% APY |
| $25,000 to $49,999.99 | 0.300% APY |
| $50,000 to $99,999.99 | 0.350% APY |
| $100,000 to $199,999.99 | 0.500% APY |
| $200,000 and up | 0.600% APY |
| HEALTH SAVINGS ACCOUNT RATES | |
|---|---|
| $100 to $2,499.99 | 0.000% APY |
| $2,500 to $4,999.99 | 0.000% APY |
| $5,000 to $9,999.99 | 0.050% APY |
| $10,000 to $24,999.99 | 0.100% APY |
| $25,000 to $49,999.99 | 0.125% APY |
| $50,000 and up | 0.150% APY |
| CERTIFICATES OF DEPOSIT RATES | |
|---|---|
| 6 Month (Not available in IRA CD) | 0.600% APY |
| 9 Month Special | 4.250% APY |
| 12 Month | 0.750% APY |
| 12 Month (Youth Special) | 5.000% APY* |
| 14 Month Special | 4.000% APY |
| 24 Month | 0.850% APY |
| 26 Month Special | 3.750% APY |
| 36 Month | 1.050% APY |
| 48 Month | 1.150% APY |
| 60 Month | 1.400% APY |
*Youth Special: $1,000 maximum. Ages 0-17. One per member.
| JUMBO CERTIFICATES OF DEPOSIT RATES | |
|---|---|
| 6 Month (Not available in IRA CD) | 0.850% APY |
| 12 Month | 1.000% APY |
| 24 Month | 1.100% APY |
| 36 Month | 1.300% APY |
| 48 Month | 1.400% APY |
| 60 Month | 1.650% APY |
Jumbo Certificate Minimum Balance: $100,000.
These calculators can help you estimate loan payments, savings and Cashback Rebate totals. Inconsistencies may occur with use. Calculation results are not guaranteed.
Loan Calculator
Savings Calculator
Cashback Rebate Calculator
| Effective 10/17/2024 | Rates and Terms are subject to change. |
| ACCOUNT FEES | |
|---|---|
| Deposit Item Returned (any reason) | $20.00 per item |
| Paid NSF | $29.00 per item |
| Returned NSF | $29.00 per item |
| Stop Payment | $20.00 per item |
| Cleared Check Copy | $3.00 per copy |
| Copy of Deposited Check | $3.00 per copy |
| Copy of Corporate Check | $3.00 per copy |
| Copy of Corporate Money Order | $3.00 per copy |
| Account Reconcilement | $20.00 per hour |
| Check Printing Order | varies |
| Starter Checks | $1.00 per page of 4 checks |
| Garnishment/Levy | $50 |
| Reprinted Statement | $1.00 per page |
| Current Month History | $0.50 per page |
| Archival Account Research | $20.00 per hour |
| Joint Owner / Beneficiary Change (in excess of one every 12 months) | $20.00 per change |
| Inactive Account (after 1 year) | $2.00 per month |
| Undeliverable Address (after 60 days) | $2.00 per month |
| Account Reopening (within 12 months of closure) | $20.00 per occurrence |
| Account Closing (open less than a year) | $10.00 per occurrence |
| Single Relationship Account | $5.00 per month |
| ATM & DEBIT CARD FEES | |
|---|---|
| ATM Withdrawals from non-CO-OP Network machines | $1.50 per withdrawal |
| Replacement PIN or Card | $5.00 per PIN/Card |
| Debit Overdraft (whether paid or returned unpaid) | $15.95 per transaction |
| SAFE DEPOSIT BOX FEES | |
|---|---|
| 3 x 5 box | $15.00 Annually |
| 3 x 10 box | $30.00 Annually |
| 5 x 5 box (Centreville branch) | $30.00 Annually |
| 5 x 10 box | $50.00 Annually |
| 10 x 10 box (Centreville branch) | $100.00 Annually |
| 1 Key Replacement | $10.00 each |
| Re-Drill Lock | $125.00 each |
| Late Payment (30 Days Past Due) | $5.00 each |
| MISCELLANEOUS FEES | |
|---|---|
| Incoming Domestic Wire Transfer | $5.00 per wire |
| Outgoing Domestic Wire Transfer | $15.00 per wire |
| International Wire Transfer | $30.00 per wire |
| Cashier's Check | $3.50 per check |
| Cashier's Check Replacement | $15.00 per item |
| Money Order | $2.00 per item |
| Money Order Replacement | $15.00 per item |
| Escheated Account | $25.00 |
| Non-OMNI Card used at OMNI ATM | $3.00 per transaction |