Rates

Checking Accounts
Type	Age	APY*	Minimum Balance	Fees**
APY – Annual Percentage Yield *Please refer to our fee schedule for full disclosure of costs and charges.
Type Absolutely Free Checking	Age 19 – 60	APY* 0.00%	Minimum Balance None	Fees** None
Type Golden Prestige Checking	Age 61+	APY* 0.00%	Minimum Balance None	Fees** None
Type New Generation Checking	Age 13 – 18	APY* 0.00%	Minimum Balance None	Fees** None

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Member Share Savings Account
Opening Deposit	Minimum Balance To Earn APY	APY*	Fees
*APY – Annual Percentage Yield
Opening Deposit $25	Minimum Balance To Earn APY $500	APY* 0.12%	Fees None

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Club Savings Accounts
Account Type	Opening Deposit	Minimum Balance To Earn APY	APY*	Balance Transfer Date
*APY – Annual Percentage Yield Open any time throughout the year. Dividends on average daily balance, paid monthly. Funds are automatically transferred to your URW Community Federal Savings or Checking account. Renews automatically each year unless you close it.
Account Type Christmas Club Savings	Opening Deposit $25 or $5 with payroll deduction/automatic transfer from URW Savings or Checking account	Minimum Balance To Earn APY None	APY* 0.20%	Balance Transfer Date November 1
Account Type Vacation Club Savings	Opening Deposit $25 or $5 with payroll deduction/automatic transfer from URW Savings or Checking account	Minimum Balance To Earn APY None	APY* 0.20%	Balance Transfer Date June 1

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Kidz Club Share Account
Opening Deposit	Minimum Balance To Earn APY	APY*	Restrictions
*APY – Annual Percentage Yield
Opening Deposit $25	Minimum Balance To Earn APY None	APY* 0.20%	Restrictions Interest earned on first $500

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Health Savings Account (HSA)
Interest Rate	Minimum Opening Deposit	Minimum Balance to Earn Interest	Monthly Fee
Dividends are compounded daily and are calculated on the daily balance when the balances reach or exceed $250. Subject to annual contribution limits. Contributions to the account must stop once you are enrolled in Medicare. However, you can keep the money in your account and use it to pay for medical expenses tax-free.
Interest Rate 0%	Minimum Opening Deposit $25	Minimum Balance to Earn Interest $250	Monthly Fee $0

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IRAs (Traditional, Roth, SEP, Educational, Conduit)
IRA Type	Interest Rate	APY*
*APY – Annual Percentage Yield
IRA Type Liquid	Interest Rate 0.55%	APY* 0.55%
IRA Type Stable	Interest Rate 1.55%	APY* 1.56%

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Money Market Accounts
Account Type	Minimum Opening Deposit	Minimum Balance To Earn APY*	APY*	Fees
*APY – Annual Percentage Yield
Account Type Money Market	Minimum Opening Deposit $2,500	Minimum Balance To Earn APY* $2,500	APY* 0.30%	Fees No monthly service charge if minimum average daily balance of $2,500 is maintained
Account Type Jumbo Money Market	Minimum Opening Deposit $100,000	Minimum Balance To Earn APY* $100,000. If the account balance falls below a minimum average daily balance of $100,000, dividends will be earned at the share savings rate.	APY* 0.40%	Fees No monthly service charge if minimum average daily balance of $100,000 is maintained

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Share Certificates (Share & IRA)
Term	Interest Rate	APY*	Minimum Balance to Earn APY	Minimum Opening Deposit	Bump Eligible?
*APY – Annual Percentage Yield
Term 6 Month	Interest Rate 2.50%	APY* 2.53%	Minimum Balance to Earn APY $1,000	Minimum Opening Deposit $1,000	Bump Eligible?
Term 1 Year	Interest Rate 3.55%	APY* 3.60%	Minimum Balance to Earn APY $1,000	Minimum Opening Deposit $1,000	Bump Eligible?
Term 2 Year	Interest Rate 3.05%	APY* 3.09%	Minimum Balance to Earn APY $1,000	Minimum Opening Deposit $1,000	Bump Eligible?
Term 3 Year	Interest Rate 2.05%	APY* 2.06%	Minimum Balance to Earn APY $1,000	Minimum Opening Deposit $1,000	Bump Eligible?
Term 5 Year	Interest Rate 1.55%	APY* 1.56%	Minimum Balance to Earn APY $1,000	Minimum Opening Deposit $1,000	Bump Eligible?

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Bump-Up Share Certificate
Term	APY*	Minimum Opening Deposit
*APY – Annual Percentage Yield
Term 2 Year	APY* 3.09%	Minimum Opening Deposit $5,000

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New, Used, or Refinanced Vehicle Loans (Autos, Boats, Motorcycles, RV)
Term	APR as low as*
*APR – Annual Percentage Rate
Term 24 Months or Less	APR as low as* 5.00%
Term 36 Months	APR as low as* 5.00%
Term 48 Months	APR as low as* 5.25%
Term 60 Months	APR as low as* 6.20%
Term 72 Months	APR as low as* 6.50%
Term 84 Months	APR as low as* 7.35%
Term 96 Months	APR as low as* 8.35%
Term 108 Months	APR as low as* 9.35%

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First-Lien
Term	Max. Loan Amount	Max LTV	APR as low as
APR* Annual Percentage Rate
Term 12, 15, 20, 25, and 30 years	Max. Loan Amount $850,000	Max LTV 95%	APR as low as 5.125%

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Second Mortgage
Term	Max Loan Amount	APR
*Second Mortgage Rate based on Prime Plus as published in the Wall Street Journal.
Term 5-12 years	Max Loan Amount 850,000	APR Prime Plus

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Mortgage Refinance
Term	Max. Loan Amount	APR as low as*
*APR – Annual Percentage Rate
Term 12, 15, 20, 25, and 30 years	Max. Loan Amount $850,000	APR as low as* 5.125%

Learn more about refinancing mortgage loans

Purchase Money
Type	Term	Max. Amount	LTV	APR*
*APR – Annual Percentage Rate
Type Conventional Mortgage	Term 10, 20, or 30 Year	Max. Amount n/a	LTV 93-95%	APR* Call (434)793-1278 for rate
Type FHA	Term 10, 20, or 30 Year	Max. Amount $1,209,750	LTV 96.50%	APR* Call (434)793-1278 for rate
Type VA	Term 10, 20, or 30 Year	Max. Amount n/a	LTV 100%	APR* Call (434)793-1278 for rate
Type Rural Development	Term 30 Year Fixed	Max. Amount n/a	LTV 100%	APR* Call (434)793-1278 for rate

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Home Equity Line of Credit
Type	Max. Amount	Max. LTV	Rate/APR*
*Home Equity Rate is variable and based upon Wall Street Prime rate.
Type Variable Rate	Max. Amount $850,000	Max. LTV 80%	Rate/APR* Prime Plus

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Personal Loans
APR*	Max. Amount**
APR – Annual Percentage Rate *Maximum Amount based on debt ratio, credit, and length of employment
APR* 15.00%	Max. Amount** $3,000

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Personal Line of Credit
APR*	Max. Amount**
APR – Annual Percentage Rate *Maximum Amount based on debt ratio, credit, and length of employment
APR* 10.20-18.00%	Max. Amount** $15,000

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Savings Account Secured Loan
Secured by	APR*
*APR – Annual Percentage Rate
Secured by Savings Account	APR* 3.12%

Learn more about share secured loan

Share Certificate Secured Loan
Certificate Term	APR*
*APR – Annual Percentage Rate
Certificate Term 6 Month	APR* 5.53%
Certificate Term 1 Year	APR* 6.60%
Certificate Term 2 Year	APR* 6.09%
Certificate Term 3 Year	APR* 5.06%
Certificate Term 5 Year	APR* 4.56%

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Service Fees
Service	Amount
*An NSF service charge is assessed each time an item is presented against insufficient funds. The payee (or the payee’s institution) may represent a previously returned item. Each presentment against insufficient funds will result in a separate service charge.
Service Copy of Check	Amount $2.00/copy
Service Account Reconciliation	Amount $30.00/hour
Service Account Research	Amount $30.00/hour
Service Copy of Members Statement	Amount $1.00/page
Service Deposit Return Item	Amount $25.00/printout
Service Wire Transfer Fee (Incoming)	Amount $5.00/transfer
Service Wire Transfer Fee (Outgoing)	Amount $10.00/transfer
Service International Wire Transfer (Outgoing)	Amount $35.00/transfer
Service Account Verification	Amount $25.00
Service Claim Fee on Cashier Check or Money Order	Amount $25.00/request
Service Lien Recording (VA)	Amount $15.00
Service Lien Recording (NC)	Amount $25.50
Service Deed of Trust Release	Amount $51.00/item
Service Outgoing Fax Fee	Amount $3.00/fax
Service Outgoing Local Fax Fee/Income Fax Fee	Amount $1.00/fax
Service Tax Levy/Garnishment Service Charge Fee	Amount $100.00
Service Repo Fee	Amount $450.00
Service Cancellation of Repo Fee	Amount $150.00
Service Add or Remove CPI Fee	Amount $50.00
Service Gift Card	Amount $2.50
Service ATM Card Order (Lost or Stolen)	Amount $10.00
Service Debit Card Order (Lost or Stolen)	Amount $10.00
Service Theme Park Tickets Fee	Amount Varies
Service Stop Payment 154003	Amount $25.00
Service Stop Payment (Series)	Amount $30.00
Service Non-Sufficient Funds (NSF)*	Amount $25.00
Service ATM Withdrawal (Foreign)	Amount $3.00
Service ATM Inquiry (Foreign)	Amount $1.00
Service Cashiers’ Check	Amount $5.00
Service Money Order	Amount $5.00
Service Skip a Payment	Amount $25.00
Service Checking Cashing	Amount $5.00
Service Early Account Close	Amount $25.00/within six months
Service Mortgage Loan	Amount $75.00
Service Loan Refinance	Amount $75.00
Service Loan Application for a Non-Member	Amount $25.00
Service Loan Payment Coupon Book	Amount $5.00
Service Loan Pay Express Service Fee	Amount Tiered by Amount
Service Overdraft Privilege	Amount $25.00/$500.00 limit
Service Below Minimum Balance	Amount $1.00 monthly
Service Dormant Account Fee	Amount $5.00 monthly
Service Escheatment Fee	Amount $25.00
Service Share Value (Per value of one share)	Amount $25.00