320 South Seminary Street
Madisonville, KY 42431
270-821-0504
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Rates

Share/Savings Accounts

Share Accounts


Regular,Christmas,Vacation,Special *0.15% Div. Rate *0.15% APY *
    *Dividend /APY effective  June 30, 2018

Share Certificate Accounts


6 month Certificate 0.80% Div. Rate 0.802% APY *
    $500 min. required
1 year Certificate 1.00% Div. Rate 1.002% APY *
    $500 min. required
2 year Certificate 1.25% Div. Rate 1.254% APY *
    $500 min. required
3 year Certificate 1.50% Div. Rate 1.506% APY *
    $500 min. required
 Rates effective 9/14/2018                       *APY based on semi-annual compounding

Loan Accounts

Vehicle Loans


New Vehicle Loans-

up to 60  months 3.00%-11.50% 72 months-

3.50% 12.00%

100% financing- rate based on term/credit to 60month      100% financing- rate based onscore
Used Vehicle 4.00%-12.75% APR up to 60 months depending on  vehicle year
  Will lend up to 100% NADA value on used vehicles
  New or Used Rec. Vehicles – add 0.50% to New or Used Vehicle Rates
  New or Used Farm Equipment – add 1.0% to New or Used Vehicle Rates

 Home Equity Loans -*effective 06/14/2018 5.00%- up to 60 months  5.5.25% – up to 120 months
                                                                                                           
5.50% up to 180 months
 * rate based on Federal Prime Interest Rate at time of application and term. Some restrictions may apply.
   Contact our office for details.

 

PERSONAL LOANS

Personal Signature Loans 7.00%-14.00% APR* *rate based on members FICO score at application.
FALL BREAK LOAN SPECIAL

– up to $2,000.00 for 12 months with a rate as low as 5.75%

September 4th through September 28, 2018

*some restrictions may apply

Fees & Disclosures

Deposit Account Fees


NSF Check charge  (effective 11/01/2014) $25.00
Stop Payment on HCTFUC  (effective 11/01/2014) $25.00
Certified Checks   $1.00
Negative Account Fee  (effective 11/01/2014) $25.00
Stop Payment Fee    (effective 11/01/2014) $25.00
Once Monthly Debit Card Usage Fee   $2.00

Loan Account Fees


Loan Late Fee (effective 11/01/2014)  $30.00
To refinance an existing loan with us.  $50.00
Refinance existing HE Loan w/us with remaining term of less than 5 years $100.00
Refinance an existing HE loan with us with a remaining term of 6 to 15 years $150.00

Miscellaneous Fees


Visa Travel Money Cards-reloadable $2.00 per card
Visa Gift Cards $2.00 per card

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