Rates & Fees 


Savings & Checking Rates

Account Type Minimum Balance Rate APY*
Share Savings $5.00 0.10% 0.10%
Holiday Clubs 0.10% 0.10%
IRA Accumulation 0.10% 0.10%
Share Draft (Checking) 0.05% 0.05%
Preferred Share $2,500.00 0.35% 0.35%

*Annual Percentage Yield.  Rates are subject to change.  Monthly Fees may reduce the disclosed APY.

SHAre Certificate Rates

Certificates Minimum Rate APY*
12 Months $500.00 1.65% 1.66%
18 Months $500.00 1.75% 1.76%
24 Months $500.00 1.90% 1.92%
30 Months $500.00 2.10% 2.12%
36 Months $500.00 2.35% 2.38%
48 Months $500.00 2.60% 2.63%
60 Months $500.00 3.00% 3.04%

Rates are subject to change. Please check with the Credit Union for current rates. Penalty for early withdrawal.

IRA Certificate Rates

Certificates Minimum Rate APY*
18 Months $500.00 1.75% 1.76%
24 Months $500.00 1.90% 1.92%
30 Months $500.00 2.10% 2.12%
36 Months $500.00 2.35% 2.38%
48 Months $500.00 2.60% 2.63%
60 Months $500.00 3.00% 3.04%

Rates are subject to change. Please check with the Credit Union for current rates. Penalty for early withdrawal. IRA certificate minimum length is 18 months.


Loan Rates

EFFECTIVE MAY 1, 2019

Loan Type Min / Max Amounts Terms APR
VISA® Credit Card – Classic $500.00 min – $4,999.00 max N/A 9.90% – 17.90%
VISA® Credit Card – Platinum $5,000.00 min – $25,000.00 max N/A 9.90% – 17.90%
Auto Loans – NEW Up to 60 Months 2.75% – 12.75%
61 – 72 Months 3.25% – 13.25%
Auto Loans – USED 12 – 60 Months 4.25% – 14.25%
61 – 72 Months 4.75% – 14.75%
Signature Loans $500.00 min – $10,000.00 max Up to 12 months 5.00% – 13.00%
13 – 24 Months 6.00% – 14.00%
25 – 36 Months 7.00% – 15.00%
37 – 48 Months 8.00% – 16.00%
49 – 60 Months 9.00% – 17.00%
Line of Credit $500.00 min – $10,000.00 max N/A 10.00% – 18.00%
Share Secured Loan Share Balance Up to 120 Months Share + 2.00%
Certificate Secured Remaining Term of Certificate Certificate Rate
+ 2.00%

*Combined unsecured debt has a maximum limit of $25,000.00 per individual.

Mortgages/Home Equities call (800) 426-7140. Louviers FCU is federally insured by NCUA. Louviers FCU is an equal opportunity lender. Louviers FCU is an equal housing lender. APR=Annual Percentage Rate. Rates subject to change without notice. APR is based on credit worthiness and loan term.


Fee Schedule

Effective: May 1, 2019

Service Fee
Membership Share $5.00 (initial deposit - required)
Deposit Account Fees
Check Printing prices vary by style
Check Copy $3.00 per copy
Inactive Account $15.00 per month (after 2 yrs inactive)
Non-suffcient Funds $25.00 per item
Overdraft $25.00 per item
Return Deposit Item $25.00 per item
Stop Payment $20.00 per request
Share Draft Statement Copy $3.00 per copy
ACH Origination/Transfer $2.50
ATM Use Per Transaction $1.00 after 6 free per month
Online Bill Pay $6.00 per month
Other Fees
Account Research $20.00 per hour
Account Servicing Garnishments, Levies, Writs $50.00 per item
Cashiers Checks (after 1 free per day) $4.00 per check
Money Order (Glasgow & CRP Only) $2.00 per check
Credit Card Late Payment $25.00 per item
Deposited Item Return $25.00 per item
IRA Outgoing Transfer $50.00
Return Mail $5.00 per item
Subordination Agreement Processing $100.00
Visa Debit Card Replacement $7.50 per card
Visa Gift Card ($1.00 min.) $2.50
Visa Travel Card ($100 min.) $7.00 initial
$2.00 per Card Reload
Wire Transfer Charge $25.00 Domestic
$30.00 International
Incoming Wire Charge $10.00
Self Service Storage Boxes
3 x 5 $45.00 per year
3 x 10 $65.00 per year
10 x 11 $125.00 per year
Free Services
Online & Mobile Banking
Telephone Banking
Coin Counter (All branches EXCEPT nemours bldg. branch)
Notary Services (Financial docs only - limited locations)
E-Statements