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Rates & Fees

Auto & Motorcycle Loans
Model Year Term Rate APRT, as low as Payment per $1000
2013 & Newer 60 months 2.99% 3.05% $17.99
  72 months* 2.99% 3.04% $15.21
  84 months** 3.99% 4.03% $13.68
2012 & Older 48 months 3.49% 3.57% $22.39
  60 months 3.49% 3.56% $18.22
  72 months* 3.49% 3.54% $15.44

*$15K minimum & Max Mileage of 60K
**$30K minimum & Max Mileage of 40K

Rates effective 05/15/2017

T APR = Annual Percentage Rate.  Rate and term are subject to credit approval and qualified collateral. 

 

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Boats and RVs
Model Year Term Rate APRT, as low as Payment per $1000
2014 & Newer up to 84 months 5.49% 5.54% $14.39
  up to 180 months 7.49% 7.51% $9.28
2011 to 2013 up to 84 months 5.99% 6.04% $14.63
  up to 144 months 7.49% 7.52% $10.56
2010 & Older up to 72 months 5.99% 6.05% $16.60
  up to 120 months 7.49% 7.52% $11.88

Minimum values for extended terms: 10yr - $15,000,  12 yr  - $20,000, 15yr - $30,000 
T APR = Annual Percentage Rate.  Rate and term are subject to credit approval.

Rates effective 05/15/2017

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ATVs, Personal Watercraft, and Non-Titled Motorcycles
Model Year Term Rate APRT, as low as Payment per $1000
2013 & Newer 60 months 5.99% 6.13% $19.39
2012 & Older 60 months 6.99% 7.14% $19.86

T APR = Annual Percentage Rate. Rate and term are subject to credit approval.

Rates effective 05/15/2017

 

Home Loans
Term Rates APRT Payments per
$100,000
15 year 3.250% 3.399% $717.00
20 year 3.750% 3.836% $603.00
30 year 4.125% 4.188% $491.00

T APR = Annual Percentage Rate.

Rates effective as of 10/03/2017
  • Rate and term are subject to credit approval.
  • Rates are quoted for owner occupied properties with a loan amount of $135,000 ($150,000 purchase price, 10% down payment).
  • Rates are effective as of the date stated above and subject to change daily without notice.
  • The monthly payment amount shown includes principal and interest. Taxes, property insurance, and flood and mortgage insurance (if applicable) are not included in the monthly payment amount.  Your actual monthly payment amount may be higher. An escrow account may be required.
  • APR's based on 15 days of prepaid interest, please call Azura for further explanation.

 

Construction Loans
Loan Type LTV Rate APRT
Custom Construction up to 85% 6.00% 6.062%


T APR = Annual Percentage Rate.

Rates effective as of 07/17/2017

  • Rate and term are subject to credit approval.
  • Origination fee of $1,000
  • Interest only for up to 12 months
  • Rate quoted based on $150,000 loan amount 
  • Rates are effective as of the date stated above and subject to change daily without notice.
  • APR's based on 15 days of prepaid interest, please call Azura for further explanation.

 

Land Loans
Loan Type Term LTV Rate
Lot Loan 15 years up to 70%  Contact Azura for specific rate details.

 

  • Rate and term are subject to credit approval.
  • Origination fee is 1% of the loan amount, with a minimum of $750, plus closing costs
  • Rates are effective as of the date stated above and subject to change daily without notice.

 

Home Equity Loans - Fixed Rate
Term Loan to Value  APRT  
5 year Up to 80%
LTV		 5.82%  
  80.1%
to 90% LTV		 6.82%  

T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
Updated 10.16.17

  

 

Home Equity Line of Credit (HELOC) - Variable Rate
Term Loan to
Value		 APRT
Primeline Up to 80%
LTV		 4.250% (equal
to prime)
Primeline +2 80.1%
to 100% LTV		 6.250% (equal
to prime +2%)

 No origination fees for Primeline loans. Fees may apply to refinanced loans. APRs (Annual Percentage Rate) are based on Wall Street Journal Prime subject to change the first day of each month. Both Loans are accessible by check, with $500.00 minimum advances.
T APR = Annual Percentage Rate.  Rate and term are subject to credit approval.

Rates Effective 07/01/17

 

 

 

Visa Credit Card - Variable Rate
Type APRT
Visa Credit Card

7.75%

T APR = Annual Percentage Rate. Rate and term are subject to credit approval.

Rates Effective 07/01/2017

Not just any card.
Take advantage of the credit card that won't take advantage of you.

  • Low variable rate
  • Same low rate for all purchases, balance transfers and cash advances
  • No annual fees
  • No fees on balance transfers
  • No fees on cash advances
  • 25-day grace period on all purchases
  • Convenient local service
  • Online access and management
  • Accepted anywhere Visa is accepted
  • Free fraud monitoring with Falcon Fraud Protection

Apply at your local Azura branch, online or call us at 785-233-5556. 

Apply Now

 

Personal Loans
Term APRT
Up to 60 months as low as 8%

T APR = Annual Percentage Rate. Rate and term are subject to credit approval.

 

Savings and Checking Accounts
Updated 05/01/16 Rate APYT
Savings Account 0.10% 0.10%
Above Checking 0.10% 0.10%
Beyond Checking    
Bonus rate** (Balances up to $15,000.00) 2.47% 2.50%
2nd Tier rate** (Balances over $15,000.00) 0.20% 0.20%
Base rate (If requirements** are NOT met) 0.05% 0.05%

**Bonus rate requirements per qualification cycle: view statement online, one (1) direct deposit or ACH, and 15 debit card transactions.

 

Money Market
Updated 5/01/16 Rate APYT
$0.00-999.99 0.00% 0.00%
$1,000-$9,999.99 0.10% 0.10%
$10,000.00 - $24,999.99  0.20%
0.20%
$25,000.00 - $49,999.99 0.30% 0.30%
$50,000 - $99,999.99 0.40% 0.40%
$100,000+ 0.50% 0.50%

 

Share Certificates
Updated 5/1/16 Rate APYT
6 month 0.30% 0.30%
12 month 0.50% 0.50%
24 month 0.90%
0.90%
36 month 1.50% 1.51%
48 month 1.75% 1.76%
60 month 2.00% 2.02%
$500 minimum to open a Share Certificate

 

IRA
Updated 5/1/16 Rate APYT
Share Account 0.75% 0.75%
Balances over $50 earn dividends

 

Health Savings Account (HSA)
Updated 5/1/16 Rate APYT
Share Account 0.15% 0.15%
Balances over $50 earn dividends

 

Business Accounts
Updated 5/1/16 Rate APYT
Savings 0.10% 0.10%
Forward Checking 0.10% 0.10%
(Earned dividends if balance >$100)
Excel Checking 0.25% 0.25%
(Earned dividends if balance >$100)

 

Business Money Market
Updated 5/01/16 Rate APYT
$0.00-999.99 0.00% 0.00%
$1,000-$9,999.99 0.10% 0.10%
$10.000.00 - $24,999.99  0.20%
0.20%
$25,000.00 - $49,999.99 0.30% 0.30%
$50,000 - $99,999.99 0.40% 0.40%
$100,000+ 0.50% 0.50%

 

Personal Account Fees
Type Applicable Fees & Conditions
CareFree Checking Free
Above Checking $5 monthly maintenance fee if balance falls below $500
Beyond Checking $5 monthly maintenance fee if requirements are not met. 
Learn more here.
Money Market  $5.00 monthly maintenance fee if balance falls below $1,000

 

Business Account Fees 
Type Applicable Fees & Conditions
Forward Checking $5 monthly maintenance fee if balance falls below $300
Per Item Charge $0.10/item, after first 100 free per month
Excel Checking $10 monthly maintenance fee if balance falls below $1,000
Per Item Charge $0.10/item, after first 200 free per month
   

 

Other Account Fees
Type Applicable Fees & Conditions
NSF Item (applies to overdrafts created by check, in-person or ATM
withdrawals or other electronic means, whether paid or unpaid)		 $24.00 per item
NSF Transfer $5.00 per transfer
Account Closure (account closed within 180 days of opening date) $20.00
Inactive/Low Balance (no activity in 12 months; balance below $100) $5 per month
Dormant Account (no activity in 12 months; undeliverable address) $5 per month
Bad Address (per item returned as undeliverable) $2 per item
Garnisment/Levy $10 per item
Check Printing Fee Prices vary by style
Temporary Checks $1 per page
History Printout $2 per monthly printout
Statement Copy $3 per statement cycle
Paper Statement (savings-only account(s) with balance below $100
at any time during statement cycle, excludes youth accounts)		 $2 per statement cycle
Account Reconciliation (one hour minimum) $20 per hour
Excessive Reg D (savings-only account(s) for any non-person transfer
or withdraw in excess of 6 per month)		 $3 per item

 

Card Fees
Type Applicable Fees & Conditions
Excessive PIN Replacement $5.00
Excessive ATM Withdrawal $1 each over 8 withdrawals per month
Captured Card Fee Pass through of fee charged to Azura

 

Online Banking/Bill Pay Fees
Type Applicable Fees & Conditions
Mobile Banking App Free
Online Banking Free
Online Bill Pay Free
Bill Pay Electronic Express $10 per item
Bill Pay Paper Express $40 per item

 

Other Service Fees
Type Applicable Fees & Conditions
Notary (members only) Free
Money Order $2 each
Visa Gift Card $3 each
Cashier Check (minimum $100, payable to third party) $3 each
Research (one hour minimum) $20 per hour
Check Copy $3 each
Stop Payment $24 per item, or consecutive series
Foreign Currency Order $30 per request
Check Cashing (applies to savings-only accounts with a balance
below $100 at time of transaction; excludes youth accounts)		 $5 per transaction

Coin Counting (applies to savings-only accounts with a balance 
below $100 at time of transaction; excludes youth accounts)

 5%
Returned Item (written by you) $24 each
Returned Item (written to you) $5 each
Third Party Payment $10 per request
Domestic Check Collection (outgoing) $10 per item
Foreign Check Collection (outgoing) $20 per item
Wire Transfer - International $40 per wire
Wire Transfer - Domestic $20 per wire
Wire In Free

 

Annual Safe Deposit Box Fees
Available at Hunter's Ridge, Kansas Ave, 10th Street, Croco and Hwy 24 branches
3x5 (Kansas Ave location only) $15
3x10 $30
5x10 $40
10x10 $70
Drilling of Box $150 per request
Replacement Key $25 per key
The contents of your safe deposit box are not insured against loss by this financial institution nor are they covered by NCUA. For your protection, you may wish to obtain your own box content insurance from an insurance company of your choice.
Credit Union Membership
Type Applicable Fees & Conditions
Membership Share (not a fee) $5 par value

 

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Phone: 785-233-5556
Toll Free: 800-432-2470
Fax: 785-233-4850
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