Hours

It is now:
Saturday, July 31

Main and Branch Hours

Monday – Thursday
9:00 AM to 5:00 PM

Friday
9:00 AM to 6:30 PM

Saturday
MAIN OFFICE ONLY
Full Service

9:00 AM to 1:00 PM

8055 Ortonville Road
Clarkston, MI 48348
Ph (248) 625-2923
Fax (248) 625-5199

Brandon Office

4 South Street
Ortonville, MI 48462
Ph (248) 627-9944
Fax (248) 627-3873

Prime Rate

Current Rate: 3.250%
Effective: Dec 16, 2008

The Prime Rate is the rate of interest charged by financial institutions to their most creditworthy applicants. The rate is usually very consistent among institutions and adjustments are most often around the same time. However the prime rate does not change on any regular interval.

Source: Federal Reserve Bank of St. Louis, http://research.stlouisfed.org/

Fees And Charges

FEES APPLICABLE TO ALL ACCOUNTS (EXCEPT CERTIFICATES):
ItemFee
Account History Printout (per page)$1.00
Account Reconciliation Fee (per hour)$20.00
ATM Transactions Over 6 per Month (each)$1.00
ATM/VISA/Debit Card/PIN Replacement Fee (each)$5.00
Check Cashing Fee - may be waived under certain conditions$3.00
Check Fee - Cashier's Check$5.00
Check fee -Credit Union / Corporate Check$2.00
Dormant Account Fee (after 24 months/waived if under 18)$2.00
Draft/Check Copy Fee (each item)$3.00
Draft/Check Printing Fee (depending on style of checks ordered)Varies
Fax Fee - first page / each additional page$3.00 / $1.00
Fresh Start Checking Fee (per month)$10.00
Land Contract Maintenance Fee (per payment)$3.00
Levy/Garnishment Processing Fee (each)$20.00
Money Order Fee (each)$2.00
NSF Fee - Drafts(Checks) With Insufficient Funds (each item)$25.00
NSF Fee - ACH and/or Debit With Insufficient Funds (each item)$25.00
Overdraft Transfer Fee - From Share Accounts (each transfer)$1.00
Overdraft Transfer Fee -From Loan (each transfer)$4.00
ODP - Over Draft Privilege (each item)$25.00
Phone Transfer - Employee Assisted (per transfer)$1.00
Returned Item Fee (per item)$5.00
Statement Copies Fee (per page)$1.00
Stop Payment Fee (each item)$20.00
Stop Payment Fee - ACH$20.00
Visa Gift Card$3.00
Visa Travel Money Card$2.00
Wire Transfer Fee - In (per transfer)$5.00
Wire Transfer Fee - Out (per transfer)$20.00
Wire Transfer Fee - Foreign Out (per transfer)$25.00
SHARE DRAFT ACCOUNT FEES:
Item Fee
Overdraft transfers fee from loan $4.00 each
Overdraft transfers fee from shares $1.00 each
ODP - Over Draft Privilege (each item) $25.00
Drafts returned insufficient funds fee $25.00 per draft
Stop payment order fee $20.00 per order
Stop Payment Fee - ACH $20.00
Draft copy fee $3.00 per copy
Draft/Check printing fee Varies depending on the style of check ordered.
Fresh Start Checking Fee (per month) $10.00

Other Disclosures