Please call us to get the most current and competive rates on:
All Savings Accounts
Club Accounts
IRA Savings Accounts
Money Markets
Please call us to get the most current and competive rate on:
CERTIFICATES
6 Months
12 Months
24 Months
30 Months
36 Months
48 Months
60 Months
Please call us for the most current and competive Loan Rates.
LOAN RATES AND TERMS
NEW VEHICLE / BOAT
CURRENT + 1 YEAR
UP TO 90% OF RETAIL
36 Months
48 Months
60 Months
72 Months
Minimum $25,000
MILEAGE MUST BE UNDER 25000 MILES
USED VEHICLE / BOAT
UP TO 90% OF RETAIL
24 Months
36 Months
48 Months
Minimum $10,000
60 Months
Minimum $15,000
DEPOSIT / CD SECURED
90% OF AVAILABLE BALANCE
RATE 3% ABOVE THE SAVINGS RATE
PERSONAL UNSECURED
AS LOW AS 10% TO 15.75% APR*
* Annual Percentage Rate
Campers
UP TO 90% OF RETAIL
RATES SAME AS NEW AND USED VEHICLES
MOTORHOME
NEW
USED
Maximum $35,000.00
Up to 90%
Up to 80%
RATES SAME AS NEW AND USED VEHICLES
MOTORCYCLES
NEW
USED
Up to 90%
Up to 80%
RATES SAME AS NEW AND USED VEHICLES
SINGLE PAYMENT NOTES CAN ONLY BE DONE AS CLOSED END LOANS RATES ARE DETERMINED BY LOAN TYPE ALL RATES ARE SUBJECT TO CHANGE LOAN TRANSFER FEE IS $50.00
SIX (6) MONTHS WITH
NO ACTIVITY, BALANCE OF $50.00 OR LESS, MONTHLY FEE
$3.00
NSF FEE
PER ITEM
$28.00
STOP PAYMENT
PER ITEM
$25.00
STOP PAYMENT PER
SEQUENCE OF CHECKS
$25.00
DEPOSITED RETURN
CHECK
$8.00
COPY OF CHECK PER
ITEM
$5.00
COPY OF STATEMENT
PER PAGE
no
charge
INSTI-STATEMENT PER
COPY
no charge
RECONCILE/RESEARCH FEE PER HOUR (1) HR MIN
$25.00
1ST 12 STARTER
CHECKS WITH NEW ACCOUNT
no charge
COUNTER CHECKS, 4
CHECKS PER SHEET
$4.00
SILVER CHECKING ACCOUNT
MINIMUM REQUIRED TO
OPEN
$50.00
MINIMUM REQUIRED
BALANCE
N/A
SIX (6) MONTHS WITH
NO ACTIVITY, BALANCE OF $50.00 OR LESS, MONTHLY FEE
$3.00
NSF FEE PER
ITEM
$28.00
STOP PAYMENT
PER ITEM
$25.00
STOP PAYMENT PER
SEQUENCE OF CHECKS
$25.00
DEPOSITED RETURN
CHECK
$8.00
COPY OF CHECK PER
ITEM
$5.00
COPY OF STATEMENT
PER PAGE
no
charge
INSTI-STATEMENT PER
COPY
no
charge
RECONCILE/RESEARCH
FEE PER HOUR (1) HR MIN
$25.00
1ST 12 STARTER
CHECKS WITH NEW ACCOUNT
no
charge
COUNTER CHECKS, 4
CHECKS PER SHEET
$4.00
CHECK ORDERS
no charge
SMART BUSINESS CHECKING
ACCOUNTS
MINIMUM REQUIRED TO
OPEN
$200.00
MINIMUM REQUIRED
BALANCE
N/A
MONTHLY MAINTENANCE
FEE PER MONTH
$10.00
SIX (6) MONTHS WITH
NO ACTIVITY, BALANCE OF $50.00 OR LESS, MONTHLY FEE
$3.00
NSF CHECK FEE PER
ITEM
$28.00
STOP PAYMENT
PER ITEM
$25.00
STOP PAYMENT PER
SEQUENCE OF CHECKS
$25.00
DEPOSITED RETURN
CHECK
$8.00
COPY OF CHECK PER
ITEM
$5.00
COPY OF STATEMENT
PER PAGE
no
charge
INSTI-STATEMENT PER
COPY
no
charge
RECONCILE/RESEARCH
FEE PER HOUR (1) HR MIN
$25.00
1ST 12 STARTER
CHECKS WITH NEW ACCOUNT
no charge
COUNTER CHECKS, 4
CHECKS PER SHEET
$4.00
IRA ACCOUNTS
MINIMUM REQUIRED TO
OPEN
$100.00
MINIMUM REQUIRED
BALANCE
$100.00
IRA ACCOUNTS
CLOSED WITHIN 30 DAYS OF BEING OPENED WILL BE
CHARGED A CLOSE OUT FEE OF $25.00 (SOME EXCEPTIONS MAY APPLY)
LOAN ACCOUNTS
OVER LIMIT FEE ON CONSUMER LINES OF CREDIT
$20.00
LOAN PAYMENT RETURNED ITEM FEE
$20.00
VEHICLE TITLE
PROCESSING FEE
$20.00
VEHICLE TITLE FEE
FOR DMV
$15.00
MARINE EQUIPMENT
TITLE FEE FOR DNR
$10.00
ADDING FORCED PLACE
INSURANCE TO LOAN
$25.00 plus
costs of
premium
ATM SERVICES
TRANSCTIONS AT CAROLINA FEDERAL SAVINGS BANK ATM
no charge
1ST 4 TRANSACTIONS PER MONTH AT AN ATM NOT OWNED BY CAROLINA FEDERAL SAVINGS BANK
no charge
INQUIRIES ARE CONSIDERED TRANSACTIONS
INQUIRIES AFTER 4TH
TRANSACTION
$1.00
TRANSFERS AFTER 4TH
TRANSACTION
$1.00
WITHDRAWALS AFTER
4TH TRANSACTION
$1.00
NOTE: WHEN YOU USE AN ATM NOT OWNED BY US, YOU MAY BE CHARGED A FEE BY THE ATM OPERATOR. THIS FEE MAY BE CHARGED FOR NONMONETARY AND MONETARY TRANSACTIONS
CARD REPLACEMENT
$4.00
REPLACEMENT OF PIN
$4.00
DUPLICATE CARD
$4.00
RESEARCH DISPUTED TRANSACTIONS
PROVEN TO BE
MADE BY AUTHORIZED PERSON
EXPENSE INCURRED
SMART BUSINESS II CHECKING ACCOUNT
MINIMUM REQUIRED TO
OPEN
$400.00
MINIMUM REQUIRED
BALANCE
$400.00
MONTHLY CHARGE IF BALANCE FALLS
BELOW MINIMUM
$15.00
FIRST 150 CHECKS
WRITTEN
no charge
AFTER FIRST
150, CHARGE PER CHECKS
$0.30
SIX (6) MONTHS WITH
NO ACTIVITY, BALANCE OF $50.00 OR LESS, MONTHLY FEE
$3.00
NSF FEE PER
ITEM
$28.00
STOP PAYMENT
PER ITEM
$25.00
STOP PAYMENT PER
SEQUENCE OF CHECKS
$25.00
DEPOSITED RETURN
CHECK
$8.00
COPY OF CHECK PER ITEM
$5.00
COPY OF STATEMENT
PER PAGE
no charge
INSTI-STATEMENT PER
COPY
no charge
RECONCILE/RESEARCH FEE PER HOUR (1) HR MIN
$25.00
1ST 12 STARTER
CHECKS WITH NEW ACCOUNT
no charge
COUNTER CHECKS, 4
CHECKS PER SHEET
$4.00
TO AVOID ALL
SERVICE CHARGES YOU MUST
MAINTAIN BALANCE OF
$15,000.00
MONEY MARKET ACCOUNT
MINIMUM REQUIRED TO
OPEN
$1,000.00
MINIMUM REQUIRED
BALANCE
$1,000.00
IF ACCOUNT FALLS
BELOW MINIMUM
$10.00
1ST 6 TRANSACTIONS
PER MONTH
no
charge
TRANSACTIONS IN
EXCESS PER ITEM
$10.00
NSF/ACH
PRE-AUTHORIZED DEBITS PER ITEM
$28.00
NSF CHECK FEE PER
ITEM
$28.00
ACH STOP PAYMENT
PER ITEM
$25.00
STOP PAYMENT PER
CHECK
$25.00
STOP PAYMENT PER
SEQUENCE OF CHECKS
$25.00
DEPOSITED RETURN
CHECK
$8.00
COPY OF CHECK PER
ITEM
$5.00
COPY OF STATEMENT
PER PAGE
no
charge
INSTI-STATEMENT PER
COPY
no
charge
RECONCILE/RESEARCH
FEE PER HOUR (1) HR MIN
$25.00
1ST 12 STARTER
CHECKS WITH NEW ACCOUNT
no
charge
COUNTER CHECKS, 4
CHECKS PER SHEET
$4.00
SAVINGS ACCOUNT
MINIMUM REQUIRED TO
OPEN
$50.00
MINIMUM REQUIRED
BALANCE
$50.00
FEE FOR FALLING
BELOW MINIMUM BALANCE PER MONTH
$2.00
6 FREE WITHDRAWALS
PER MONTH THEN $2.00 FEE PER TRANSACTION
COPY OF STATEMENT
PER PAGE
no
charge
INSTI-STATEMENT PER
COPY
no
charge
DEPOSITED RETURN
CHECK
$8.00
PHONE BANKING
MONTHLY OR PER ITEM FEE
no
charge
ONLINE BANKING
MONTHLY OR PER ITEM FEE
no
charge
BILL PAY
MONTHLY OR PER ITEM FEE
no
charge
MISCELLANEOUS SERVICES
BANK CHECK PAYABLE
TO ACCOUNT OWNER
no charge
BANK CHECK PAYABLE
TO THIRD PARTY
$5.00
STOP PAYMENT ON BANK ISSUED CHECK
$25.00
COPY OF BANK ISSUED
CHECK
$8.00
INCOMING AND OUTGOING WIRES
$12.00
(ALL
WIRES REQUESTED BEFORE 3PM TO BE SENT SAME DAY)
LOCAL FAX
no charge
LONG DISTANCE FAX PER PAGE
$2.00
CHECK CASHING FEE
$5.00
NOTARY SERVICE FOR
CUSTOMERS
no charge
ACCOUNT RESEARCH
FEE PER HOUR (1) HR MIN
$25.00
LEVY/GARNISHMENT ISSUANCE ON ACCOUNT
$75.00
TRAVELERS CHECKS
PER $100.00
$2.00
CHECKING AND SAVINGS ACCOUNT CLOSED WITHIN 30 DAYS
OF OPENING WILL BE CHARGED A CLOSE OUT FEE OF $10.00
