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Walton County Teachers FCU
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Rates and Fees

Investment Rates

Account APR* APY**
Money Market Checking 0.75% 0.75%
Share Savings 0.20% 0.20%

Loan Rates

Rates updated 4/25/2024

Type of Loan Starting APR* Term (months)
New Auto & Program Autos with less than 25,000 miles 5.75% Up to 66
New Auto & Program Autos with less than 25,000 miles 6.25% Up to 72
New Auto & Program Autos with less than 25,000 miles 6.75% Up to 84
New Auto & Program Autos with $50,000.00 or more 7.25% Up to 96
Used Auto - 0 – 1 year-old with more than 25,000 miles or more 6.50% Up to 66
Used Auto - 0 – 1 year-old with more than 25,000 miles or more 7.00% Up to 72
Used Auto - 0 – 1 year-old with more than 25,000 miles or more 7.50% Up to 84
Used Auto - 2 – 4 years old Invoice or NADA retail, whichever is lower. 6.50% Up to 60
Used Auto - 2 – 4 years old Invoice or NADA retail, whichever is lower. 7.00% Up to 66
Used Auto - 2 – 4 years old Invoice or NADA retail, whichever is lower. 7.50% Up to 72
Used Auto - 5 – 6 years old Invoice or NADA retail, whichever is lower. 7.50% Up to 66
Used Auto - 7 – 8 years old Invoice or NADA retail, whichever is lower. 7.50% Up to 60
New 4 Wheeler 6.00% Up to 66
Older Used Autos 7.50% Up to 48
Antique Autos- 20 years or older 9.00% Up to 48
New Motorcycle 6.00% Up to 84
Used Motorcycle 8.00% Up to 60
New 4-wheelers, Jet Skis, Golf Carts, Mules. 6.00% Up to 66
Used 4-wheelers, Jet Skis, Golf Carts, Mules. 7.50% Up to 60
0–1 year-old Boats 6.50% Up to 120
Used Boat 7.50% Up to 72
0–1 year-old Campers 6.75% Up to 144
Used Camper 7.75% Up to 120
0–1 year-old Tractors, Horse trailers 7.25% Up to 120
Used Tractor, Horse Trailers 7.75% Up to 72
Lawn & Garden, Furniture, Generators 7.50% Up to 60
Shared Secured 3.00% above shares Up to 96
Personal up to $7,500.00 10.00% Up to 60
Personal/Collateral up to $15,000.00 11.00% Up to 72
Credit Cards require a 600 Beacon 9.00% Monthly
Vacation, Christmas Loans- limit $1000.00, mthly pmt $100.00 9.00% Up to 12

Fee Schedule

Type Fee
Membership Business Share $100.00 Minimum Opening Deposit
Membership Fee $1.00

Share Draft Account Fees
Membership Business Share Draft $100.00 Minimum Opening Deposit
Overdraft Transfer Fee $3.00
NSF and Courtesy Pay Fee $32.00
Returned Check Fee $15.00
Stop Payment Fee $32.00
ACH Manual Posting Fee $5.00

Other Service Fees (applicable to all accounts)

Account Reconciliation Fee $15.00 per hour
Account Research Fee $15.00 per hour
Statement Copy Fee $1.00 per page
Incoming and Outgoing Fax Fee $3.00 for 1st 5 pages, then $1.00 per page
Wire Transfer (incoming) Fee $15.00
Wire Transfer (outgoing) Fee $25.00
Money Order Fee $1.00 each
Account Closure Fee $5.00 if closed within 6 months
Account Reopen Fee $5.00 if reopened within 6 months
Dormant Account Fee $5.00 per month
Incorrect Address Fee $2.50 per item
Official Check Withdrawal Fee $2.00 per check
Copy of Paid Draft Fee $3.00 per copy
Deposits to any other Financial Institution Fee $10.00
Personal Copies over 5 pages Fee $0.25 each page
2 Day Ship for Credit or Debit Cards Fee $55.00
Duplicate Debit or Credit Card Fee $5.00
Levy and Garnishment Fee $50.00

Dividend Rates are based on earnings and can change at any time without notice.

 

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