Rates & Fees
Forge Credit Union is committed to your long term financial success.
| Loan Type | Annual Percentage Rate* |
|---|---|
| Personal Signature | 8.5% - 18.0% |
| Vacation/Holiday - Max 12 Months | 8.5% - 18.0% |
| PAL 1 Loan (1) | 21.99% - 22.49% |
| Pal 2 Loan (2) | 22.49% - 22.99% |
| Co-Maker/Co-Signer | 8.5% - 18.0% |
| Shared Secure | Please call for rate |
| Spring Fling: 4/15 - 6/30 | 6.90% - 17.5% |
| Back-to-School Loan: 7/15 - 9/30 | 6.90% - 17.5% |
| New Auto 36/48 Months | 5.24% - 11.99% |
| New Auto 60 Months | 5.49% - 12.24% |
| New Auto 72 Months | 5.49% - 12.24% |
| New Auto 84 Months | 5.74% - 12.49% |
| Used Auto 36/48 Months - autos 5 yrs old or newer | 5.24% - 12.99% |
| Used Auto 60 Months - autos 5 yrs old or newer | 5.49% - 13.24% |
| Used Auto 72 Months - autos 5 yrs old or newer | 5.49% - 12.99% |
| Used Auto 84 Months - autos 4 yrs old or newer | 5.274% - 13.99% |
| Older Autos 2017, 2018, 2019 | Please call for rates |
| VISA Credit Card | 7.99% - 17.99% |
APR = Annual Percentage Rate. For qualified buyers.
Rates are based on creditworthiness and the term of the loan. Rates are subject to change at any time and are not guaranteed.
(1) Loan requires a $20.00 application fee (may be added to loan principal). Minimum loan request is $200.00 – maximum is $1,000.00. 180 day re-payment period with flexible monthly, bi-weekly or weekly payments.
(2) Must be a member for a minimum of 12 months to obtain this loan. Loan requires a $20.00 application fee (may be added to loan principal). Minimum loan request is $200.00 – maximum is $2,000.00. 12 month repayment term with flexible monthly, biweekly or weekly payments. Loan is eligible for member paid debt protection coverage.
Please contact Forge Credit Union for further information on terms and fees.
Checking & Savings
| Account Type | Minimum Amount | Dividend Rate | APY** |
|---|---|---|---|
| Savings | $5 | 0.25% | 0.25% |
| Club | $0 | 0.25% | 0.25% |
| Checking | $0 | 0.25% | 0.25% |
| Money Market | $2,000 | 1.490% | 1.50% |
| IRA Share | $0 | 2.475% | 2.50% |
Share Certificates
| Term | Minimum Amount | Dividend Rate | APY** |
|---|---|---|---|
| 6 Months | $500 | 3.922% | 4.00% |
| 12 Months | $500 | 3.922% | 4.00% |
| 12 Months | $10,000 | 4.025% | 4.10% |
| 12 Months | $25,000 | 4.121% | 4.20% |
| 12 Months | $50,000 | 4.217% | 4.30% |
| 30 Months | $500 | 3.783% | 3.85% |
| 60 Months | $500 | 3.541% | 3.60% |
IRA Rates
| Minimum | Dividend Rate | APY** |
|---|---|---|
| $1 | 3.922% | 4.00% |
| $10,000 | 4.025% | 4.10% |
| $25,000 | 4.121% | 4.20% |
| $50,000 | 4.217% | 4.30% |
| Share Account | Fee Amount |
|---|---|
| Reg D Excessive Transactions | $1.00 per withdrawal after 6 withdrawals per month |
| Regular Share Account Teller Check Withdrawl | $1.00 per withdrawal after 3 withdrawals per month |
| Replace ATM Card | $15.00 |
| Replace ATM Card - Expedited | $50.00 |
| Dormant Account (after 1 year of no activity) | $2.00 per month |
| Checking Account Fees | Fee Amount |
|---|---|
| NSF Return | $30.00 per item |
| Courtesy Pay (overdraft) | $30.00 per item |
| Stop Payment | $15.00 per stop payment |
| Replace Debit Card | $15.00 |
| Replace Debit Card - Expedited | $50.00 |
| Check Printing | Varies depending on style |
| Credit Cards | Fee Amount |
|---|---|
| Late Payment Fee | Up to $10.00 |
| Returned Payment Fee | Up to $25.00 |
| Foreign Transaction Fee | 1% of each transaction |
| Other Service Fees | Fee Amount |
|---|---|
| Statement Copy | $3.00 per copy after first copy |
| Stop Payment of Teller Check | $15.00 |
| Bad Address | $5.00 per occurrence |
| Account Research/Account Reconciliation | $20.00 per hour |
| Escheat | $75.00 |
| Incoming Domestic Wire Transfer | $10.00 |
| Outcoming Domestic Wire Transfer | $25.00 |