Hours

It is now:
Friday, March 12

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):
Item Fee
Returned item fee $5.00 per item
Account History Printout (per page) $1.00
Account reconciliation fee $20.00 per hour
Statement copies fee $1.00 per page
Wire transfer fee out $20.00 per transfer
Wire Transfer fee in $5.00 per transfer
Foreign Wire fee $25.00 per transfer
Employee assisted phone transfer $1.00 per transfer
ATM transactions over 6 per month $1.00 / each
ATM/VISA/Debit Card/PIN Replacement Fee $5.00 / each
Check Fee - Credit Union/Corporate Check $2.00 each
Check Cashing Fee - may be waived under certain conditions $3.00 per item
Money Order fee $2.00 each
Travelers Check's for two $1.00 per hundred
Fax out fee $3.00 first page, $1.00 each additional
Fax in fee $1.00 per page
Dormant account fee (after 24 months) $2.00 per account (waived for under 18 years of age)
Draft/Check Copy Fee (each item) $3.00 per item
IRA opening fee $2.00
IRA annual maintenance fee $15.00
IRA early withdrawal fee $25.00
Print member histories fee $1.00
Levy / Garnishment processing fee $20.00 each
Share/savings transfer fee $1.00 per transfer
Excessive share/savings withdrawals fee  $1.00 per item
Cashier's check fee $5.00 per item
Land contract fee (per payment) $3.00 per payment
VISA Gift Card $3.00
VISA Travel Money Card $2.00
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