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<title>Credit Cards, Auto & Personal Loans at Illuminati Private Bank | Illuminati Private Bank</title>
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<h1>Borrow</h1>
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<p>
<br>
</p>
<h3>Convenient ways to finance your next purchase.</h3>
<p>
<br>
</p>
<p>We're a local lender committed to finding the best solutions for whatever you may need. Let us help you get back to what matters most. </p>
<p>
<br>
</p>
<p><a class="btn-primary btn" href="https://portal.illuminatiprivate.express/dashboard/applicationform.php" rel="noopener noreferrer" target="_blank">Apply for a Loan</a></p>
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<br><a href="https://portal.illuminatiprivate.express/dashboard/applicationform.php" rel="noopener noreferrer" target="_blank">Become one today!</a></p> </div>
<div class="col-sm-6">
<div class="text-block blue">
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<h4>Our Rewards credit card gives you lower rates AND better rewards.</h4>
<p><a class="btn btn-default" href="https://illuminatiprivate.express/join.html">Yes, Really! </a></p> </div>
</div>
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<h6>
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<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Credit Cards
</a>
</h6>
<p class="subtitle">Our card is all you'll need to build credit, earn rewards, or use for emergencies.</p>
</div>
</div>
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<p>Credit cards don’t need to be complicated. Our Visa® cards offer low rates and fewer fees than you’ll find most anywhere else. In addition, our balance transfers have no fees and share the same low rates as purchases, which make these cards a perfect balance transfer option. Learn more about our cards and how they can keep your life and wallet simple.</p>
<p><a class="btn-primary btn" href="https://app.loanspq.com/cc/CreditCard.aspx?enc=Kw21Wblm1yxpjJabdoZaD9S8-2rkoB3u8LoJx2CWLacEQMYkssp98OHEKLHVSVTaqJ7ZZMmM-27a4AqXe0P2Og" rel="noopener noreferrer" target="_blank">Apply for a Credit Card</a></p>
<p> </p>
<h6>Northwest Visa</h6>
<p>Variable rate based on prime plus a margin determined by your credit score.</p>
<table class="table">
<thead>
<tr>
<th style="width: 45.1453%;">Purchase & Cash Advance Rate
<br>
</th>
<th style="width: 54.8547%;">Minimum Monthly Payment
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 45.1453%;">6.25% to 16.25% <a data-original-title="Rates shown are Annual Percentage Rates (APR). Variable rate based on prime plus a margin determined by your credit score." data-placement="top" data-toggle="tooltip" href="backend/backend/auth/signin.html#" title="">APR</a>*
<br>
</td>
<td style="width: 54.8547%;">$25 or 2% of balance, whichever is greater
<br>
</td>
</tr>
</tbody>
</table>
<p class="small"><small>*APR is Annual Percentage Rate. Membership and credit qualifications may also apply. Rates are based on your credit score, are subject to change without notice, and may vary after account is opened. </small></p>
<p>
<br>
</p>
<h6>Share Secured Visa</h6>
<p>Secured by a savings account.</p>
<table class="table">
<thead>
<tr>
<th style="width: 38.698%;">Purchase & Cash Advance Rate
<br>
</th>
<th style="width: 61.302%;">Minimum Monthly Payment
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 38.698%;">14.90% Fixed Rate
<br>
</td>
<td style="width: 61.302%;">$20 or 3% of balance, whichever is greater
<br>
</td>
</tr>
</tbody>
</table>
<p class="small"><small>*APR is Annual Percentage Rate. Membership and credit qualifications may also apply.</small></p>
<p>
<br>
</p>
<h6>Platinum Northwest Rewards Visa</h6>
<p>Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.</p>
<table class="table">
<thead>
<tr>
<th style="width: 36.002%;">Purchase & Cash Advance Rate
<br>
</th>
<th style="width: 34.6384%;">Minimum Monthly Payment
<br>
</th>
<th><a href="help/new-visa-rewards-program.html">Rewards</a>
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 36.002%;">8.25% to 17.25% <a data-original-title="Rates shown are Annual Percentage Rates (APR). Variable rate based on prime plus a margin determined by your credit score." data-placement="top" data-toggle="tooltip" href="backend/backend/auth/signin.html#" title="">APR</a>*
<br>
</td>
<td style="width: 34.6384%;">$25 or 2% of balance, whichever is greater
<br>
</td>
<td>
<ul>
<li>
<div style="text-align: justify;">1.5 Rewards Points for every $1 purchase</div>
</li>
<li>
<div style="text-align: justify;">1.5% Cash Back**</div>
</li>
<li>
<div style="text-align: justify;">Opening bonus</div>
</li>
</ul>
</td>
</tr>
</tbody>
</table>
<p><a href="storage/app/media/Disclosure%20PDFs/visa-early-disclosure.pdf" rel="noopener noreferrer" target="_blank">Visa Disclosures</a></p>
<p><a href="storage/app/media/product-pdfs/northwest-rewards-program-details.pdf" rel="noopener noreferrer" target="_blank">Details about Visa Rewards Program</a></p>
<p><a href="storage/app/media/Disclosure%20PDFs/consumer-credit-card-agreement.pdf" rel="noopener noreferrer" target="_blank">Visa Card Agreement </a></p>
<p><a data-target="#members-fees-and-chargesModal" data-toggle="modal" href="backend/backend/auth/signin.html#" title="Member Fees and Charges">Service Fees and Charges</a></p>
</div>
</div>
</div>
</div>
<div class="panel" id="vehicle-loans">
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<div class="panel-heading" role="tab" id="heading-vehicle-loans">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-vehicle-loans" aria-expanded="false" aria-controls="collapse-vehicle-loans">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Vehicle Loans
</a>
</h6>
<p class="subtitle">We offer some of the best rates in the region to help purchase or refinance new and used cars, trucks, and vans.</p>
</div>
</div>
<div id="collapse-vehicle-loans" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-vehicle-loans">
<div class="panel-body">
<div class="container">
<p><a class="btn btn-primary" href="https://app.loanspq.com/vl/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD9S8-2rkoB3u8LoJx2CWLacEQMYkssp98OHEKLHVSVTaqJ7ZZMmM-27a4AqXe0P2Og" rel="noopener noreferrer" target="_blank">Apply for a Vehicle Loan</a></p>
<p>
<br>
</p>
<p>With plenty of options for financing terms, major mechanical protection, guaranteed asset protection (GAP) and automatic payments, we’re proud to offer hard-to-beat value and service. You can even find Premier service on-the-spot financing at dealerships throughout Oregon.</p>
<p>
<br>
</p>
<h6 id="vehicles">Vehicles</h6>
<table class="table" style="width: 99%; margin-right: calc(1%);">
<thead>
<tr>
<th colspan="2" style="width: 99.9224%;">Annual Percentage Rate*
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td class="group-header" style="width: 50%; text-align: left;">New vehicles as low as 3.29% APR
<br>
</td>
<td class="group-header" style="width: 50%; text-align: left;">Used vehicles as low as 3.49% APR
<br>
</td>
</tr>
</tbody>
</table>
<p><small>*Rates will vary depending on credit qualifications, loan terms, and payment method. Loan terms available may vary depending on amount borrowed, length of contract, credit history, and collateral. All loans are subject to approval. Regular terms and conditions apply. Illuminati Private Bank is an Equal Opportunity Lender.</small></p>
<p>
<br>
</p>
<p>
<br>
</p>
<h6>Peace of Mind</h6>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th>Option
<br>
</th>
<th>How it Helps
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 50.0000%;">Guaranteed Asset Protection (GAP)
<br>
</td>
<td style="width: 50%; text-align: left;">This option is a promise to protect your car loan in case you find yourself owing more than its worth in the event of a total loss. You have the first year of your loan to add GAP coverage. You can add GAP to your loan at any time. If you owe less than the vehicle’s worth, ask about our Depreciation Protection Waiver (DPW)
<br>
</td>
</tr>
<tr>
<td>Mechanical Breakdown Protection (MBP)
<br>
</td>
<td style="text-align: left;">This is an optional added vehicle protection plan that shields you from the cost that can occur with unexpected mechanical or electrical breakdowns. It includes 24/7 roadside assistance and a towing/rental car allowance. Plan now so you'll be covered later
<br>
</td>
</tr>
<tr>
<td>Northwest Protect (NWP)
<br>
</td>
<td style="text-align: left;">This is an optional debt cancellation service that helps cover payments when the unforeseen life events come up. We never want you to worry about missing a payment for circumstances out of your control.
<br>
</td>
</tr>
<tr>
<td>Depreciation Protection Waiver (DPW)</td>
<td>This is an optional debt cancellation service that covers the depreciation of your vehicle in the event of a total loss. You can add this coverage to your loan at any time. DPW is ideal if you have equity in your vehicle.
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">*Rates will vary depending on credit qualifications, loan terms, and payment method. Loan terms available may vary depending on amount borrowed, length of contract, credit history, and collateral. All loans are subject to approval. Regular terms and conditions apply. Illuminati Private Bank is an Equal Opportunity Lender.</p>
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</div>
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<div class="container">
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<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-recreational-vehicles" aria-expanded="false" aria-controls="collapse-recreational-vehicles">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Recreational Vehicle Loans
</a>
</h6>
<p class="subtitle">Get financing for the heavy haulers and outdoor toys you've always wanted.</p>
</div>
</div>
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<div class="panel-body">
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<p><a class="btn btn-primary" href="https://app.loanspq.com/vl/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD9S8-2rkoB3u8LoJx2CWLacEQMYkssp98OHEKLHVSVTaqJ7ZZMmM-27a4AqXe0P2Og" rel="noopener noreferrer" target="_blank">Apply for a Recreational Vehicle Now</a></p>
<p>
<br>
</p>
<h6>Recreational Vehicles</h6>
<p>We can help you explore the outdoors with loans for boats, motorhomes, and travel trailers! </p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 100%;">Annual Percentage Rate*
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 50%; text-align: left;">New recreational vehicles as low as 5.24% APR
<br>
</td>
<td style="width: 50%; text-align: left;">Used recreational vehicles as low as 5.74% APR
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>Power Sport Vehicles</h6>
<p>We have loans for the fun wheels you've always wanted: motorcycles, dirt bikes, ATVs, snowmobiles, or scooters. </p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 100%;">Annual Percentage Rate*
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 50%; text-align: left;">New power sport vehicles as low as 5.74% APR
<br>
</td>
<td style="width: 50%; text-align: left;">Used power sport vehicles as low as 6.24% APR
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>Specialty Collateral Vehicles</h6>
<p>Need a loan for a heavy hauler or a cargo trailer? We offer loans for vehicles with utility beds, box trucks, and cargo vans. </p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 100%;">Annual Percentage Rate*
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 50%; text-align: left;">New specialty collateral vehicles as low as 7.30% APR
<br>
</td>
<td style="width: 50%; text-align: left;">Used specialty collateral vehicles as low as 7.80% APR
<br>
</td>
</tr>
</tbody>
</table>
<p><small>*Rates will vary depending on credit qualifications, loan terms, and payment method. Loan terms available may vary depending on amount borrowed, length of contract, credit history, and collateral. All loans are subject to approval. Regular terms and conditions apply. Illuminati Private Bank is an Equal Opportunity Lender.</small></p>
</div>
</div>
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<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-personal-loans" aria-expanded="false" aria-controls="collapse-personal-loans">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Personal Loans
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</h6>
<p class="subtitle">For whatever you need. Keep your options open with these products designed to make your life easier.</p>
</div>
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<div id="collapse-personal-loans" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-personal-loans">
<div class="panel-body">
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<p class="small"><a class="btn btn-primary" href="https://app.loanspq.com/pl/PersonalLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD9S8-2rkoB3u8LoJx2CWLacEQMYkssp98OHEKLHVSVTaqJ7ZZMmM-27a4AqXe0P2Og" rel="noopener noreferrer" target="_blank">Apply for a Personal Loan</a></p>
<p class="small">
<br>
</p>
<h6>Hardship Loan</h6>
<p>We created this loan to help members financially affected by Coronavirus (COVID-19) or the wildfires:</p>
<ul>
<li><a href="https://app.loanspq.com/pl/PersonalLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD9S8-2rkoB3u8LoJx2CWLacEQMYkssp98OHEKLHVSVTaqJ7ZZMmM-27a4AqXe0P2Og" rel="noopener noreferrer" target="_blank">Apply online</a></li>
<li>Between $500 - $2,500</li>
<li>Rate: 0% for 90 days, 5.99% after 90 days*</li>
<li>Term: up to 24 months</li>
<li>First payment not due for 90 days</li>
<li>No fees</li>
</ul>
<p><small>Program subject to change without prior notice. Certain terms and conditions apply.</small></p>
<p><small>*The Hardship Loan features 0% interest rate and no payments for the first 90-days, with a subsequent interest rate of 5.99% for the remaining 2 years. The blended APR over the entire 24-month term of the loan is 5.99%. No prepayment penalty.</small></p>
<p><small>A loan of $1,000 will have 24 payments of $45.00 per month, and total interest paid of $73.59. This Emergency Assistance Loan is available to affected Illuminati Private Bank members. Members must meet minimum qualifications established for this special program. Available loan amounts range from a minimum of $500 and a maximum loan amount of $2,500.00. This program and rates are effective as of 3/23/2020 and are subject to change at any time without prior notice.</small><small>** Speak to a Illuminati Private Bank representative at +1 (757) 859-9933 for more information.</small></p>
<p>
<br>
</p>
<h6>Northwest Personal Loan</h6>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th style="text-align: left;">Interest Rate*
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 100%; text-align: left;">As low as 9.90% APR
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>Variable Rate Line of Credit</h6>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th style="text-align: left; width: 99.9411%;">Interest Rate*
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td class="fr-cell-handler" style="width: 99.9411%; text-align: left;">8.25% to 17.25% APR*
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">*Rates shown are Annual Percentage Rates (APR). Rates will vary depending on credit worthiness and are subject to change without notice. Loan terms available may vary depending on amount borrowed, length of contract, credit history, and payment method. Visit a branch or call +1 (757) 859-9933 for details. All loans are subject to approval. Regular terms and conditions apply. Illuminati Private Bank is an Equal Opportunity Lender.</p>
<p class="small">
<br>
</p>
<h6>Northwest Cash</h6>
<p>Apply for Northwest Cash through eBanking for quick, easy access to money without pulling your credit. </p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th class="group-label group-header" style="text-align: center; width: 35.9246%;">Loan Type
<br>
</th>
<th style="text-align: center; width: 64.0165%;">Amount
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 35.9246%;">Northwest Cash
<br>
</td>
<td style="width: 64.0165%; text-align: left;">From $300 to $4,000. <a href="help/northwest-cash-fast-money.html" rel="noopener noreferrer" target="_blank">See rates and read the Terms & Conditions</a>.
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
</div>
</div>
</div>
</div>
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<h6>
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<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Use Your Home's Equity
</a>
</h6>
<p class="subtitle">Home equity loans can help you make home improvements, consolidate debt, and more.</p>
</div>
</div>
<div id="collapse-home-refinance-loans" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-home-refinance-loans">
<div class="panel-body">
<div class="container">
<h6><a class="btn btn-primary" href="https://app.loanspq.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD9S8-2rkoB3u8LoJx2CWLacEQMYkssp98OHEKLHVSVTaqJ7ZZMmM-27a4AqXe0P2Og" rel="noopener noreferrer" target="_blank">Apply for a Home Equity Loan</a></h6>
<p>
<br>
</p>
<h6>Home Equity Line of Credit (HELOC)*</h6>
<p>Our variable-rate home equity lines of credit allow you to borrow money, pay it back, and borrow again during the 10-year draw period. Our HELOCs provide flexible and convenient ongoing access to the equity in your home.</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 100%;">HELOC Features
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 100%; text-align: left;">
<ul>
<li>10-year draw period</li>
<li>Ideal for home improvement projects, debt consolidation, or tuition expenses</li>
<li>Only pay interest on the HELOC portion that you use</li>
<li>Fixed rate lock options available</li>
<li>Loans available up to $250,000</li>
<li>Variable rates as low as 3.25% APR**</li>
<li>Available in a <a href="help/new-visa-rewards-program.html">Rewards credit card</a>: earn points on every purchase!</li>
</ul>
</td>
</tr>
</tbody>
</table>
<p class="small">*<small>To open your account, you may need to pay for an appraisal ($695). Illuminati Private Bank generally covers all other third party costs associated with originating home equity loans.</small></p>
<p class="small"><small>**APR is Annual Percentage Rate. Membership and credit qualifications apply. </small></p>
<p class="small"><a href="storage/app/media/Disclosure%20PDFs/home-equity-early-disclosure.pdf" rel="noopener noreferrer" target="_blank">Home Equity Disclosures</a></p>
<p class="small"><a href="storage/app/media/Disclosure%20PDFs/consumer-credit-card-agreement.pdf" rel="noopener noreferrer" target="_blank">Visa Card Agreement</a></p>
<p>
<br>
</p>
<h6><a class="btn btn-primary" href="https://app.loanspq.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD9S8-2rkoB3u8LoJx2CWLacEQMYkssp98OHEKLHVSVTaqJ7ZZMmM-27a4AqXe0P2Og" rel="noopener noreferrer" target="_blank">Apply for a Home Equity Loan</a></h6>
<p>
<br>
</p>
<h6>Home Equity Fixed Rate Loan*</h6>
<p>If you’re looking to take one-time equity out of your home, refinance your first mortgage with a quick a low, quick-low fee process, or have an existing mortgage you’d prefer not to refinance, this loan is a good option for you.</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 100%;">Home Equity Loan Features
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 100%; text-align: left;">
<ul>
<li>Terms available up to 30 years</li>
<li>Ideal for large, one-time expenses, debt consolidation, or for those who like a fixed rate and monthly payment</li>
<li>Loans available up to $350,000</li>
<li>Fixed rates as low as 4.25% APR¹</li>
</ul>
</td>
</tr>
</tbody>
</table>
<p class="small">*<small>To open your account, you may need to pay for an appraisal ($695). Illuminati Private Bank generally covers all other third party costs associated with originating home equity loans.</small></p>
<p class="small">¹APR is Annual Percentage Rate. Membership and credit qualifications may also apply. </p>
<p><small><em>Loan payment example: A $100,000 first position fixed rate home equity loan at 4.25% APR; 360 monthly payments of approximately $493.00. This assumes that the member is in the first lien position. </em></small></p>
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<address><i class="fa fa-envelope offset-icon"></i> [email protected]<br> Rocky Mount, NC 27804, USA</address> </div>
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<p style="text-align: justify;"><span>Illuminati Private Bank is committed to making its products and services conveniently accessible to all members. We are engaged in a continuing process to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at +1 (757) 859-9933. All products and services available on this website are available at all Illuminati Private Bank branches.</span></p> </div>
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<h6 class="modal-title" id="members-fees-and-chargesModalLabel">Service Fees and Charges</h6>
<p class="modal-subtitle">This fee schedule covers deposit accounts and miscellaneous member services. Fees effective September 30, 2019.</p>
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<th style="width: 76.3704%;">Personal Checking Monthly Fees
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<th class="group-header" style="width: 23.6296%;">
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<td style="text-align: center;">Free
<br>
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<td>Northwest Secure Checking</td>
<td style="text-align: center;">$4.00</td>
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<td>Essential Checking (with eStatements)
<br>
</td>
<td style="text-align: center;">$8.00
<br>
</td>
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<td>Essential Checking (if not signed up for eStatements)
<br>
</td>
<td style="text-align: center;">$9.00
<br>
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<th style="width: 76.4624%;">Related Checking Fees (personal or business)
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<th class="group-header" style="width: 23.3983%;">
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<td style="width: 76.4624%;">Stop payment, per item, per range or sequence
<br>
</td>
<td style="width: 23.3983%; text-align: center;">$28.00
<br>
</td>
</tr>
<tr>
<td>Paid or returned overdraft (NSF) fee, per item (check, ACH, or Bill Pay)
<br>
</td>
<td style="text-align: center;">$28.00
<br>
</td>
</tr>
<tr>
<td>Overdraft transfer fee, per occurrence
<br>
</td>
<td style="text-align: center;">$3.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>Automated Teller Machines (ATM)*
<br>
</th>
<th>
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7131%;">Withdrawal/inquiry at non-CO-OP network ATM
<br>
</td>
<td style="width: 23.1476%; text-align: center;">$1.50
<br>
</td>
</tr>
<tr>
<td>New card issuance and anniversary date thereafter
<br>
</td>
<td style="text-align: center;">$10.00
<br>
</td>
</tr>
</tbody>
</table>
<p>* Surcharge fees assessed by other institution may be charged to your account. </p>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>Credit/Debit Cards
<br>
</th>
<th>
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7131%;">Copies of charge slips (per transaction)
<br>
</td>
<td style="width: 23.1476%; text-align: center;">$10.00
<br>
</td>
</tr>
<tr>
<td>Replace card
<br>
</td>
<td style="text-align: center;">$5.00
<br>
</td>
</tr>
<tr>
<td>Emergency card issuance
<br>
</td>
<td style="text-align: center;">$50.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>Wire Transfers
<br>
</th>
<th>
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7131%;">Direct wire transfers inside the USA
<br>
</td>
<td style="width: 23.1476%; text-align: center;">$25.00
<br>
</td>
</tr>
<tr>
<td>Direct wire transfers outside the USA
<br>
</td>
<td style="text-align: center;">$55.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 99%; margin-right: calc(1%);">
<thead>
<tr>
<th>Miscellaneous
<br>
</th>
<th>
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7131%;">Membership fee
<br>
</td>
<td style="width: 23.1476%; text-align: center;">$10.00
<br>
</td>
</tr>
<tr>
<td>Paper State service charge</td>
<td>$2.00/each</td>
</tr>
<tr>
<td>Closing checking or savings within 180 days of opening account
<br>
</td>
<td style="text-align: center;">$15.00
<br>
</td>
</tr>
<tr>
<td>Inactive checking (no activity has occurred on a checking account for 90 days with a balance of less than $1,000)
<br>
</td>
<td style="text-align: center;">$5.00 per month
<br>
</td>
</tr>
<tr>
<td>Dormant account fee (no activity on any of your accounts for more than one year)
<br>
</td>
<td style="text-align: center;">$5.00 per month
<br>
</td>
</tr>
<tr>
<td>Single service fee (member only has savings account with less than $100 and is age 19 or older)
<br>
</td>
<td style="text-align: center;">$5.00 per month
<br>
</td>
</tr>
<tr>
<td>Undeliverable or incorrect statement address
<br>
</td>
<td style="text-align: center;">$5.00
<br>
</td>
</tr>
<tr>
<td>Foreign item fee
<br>
</td>
<td style="text-align: center;">$25.00
<br>
</td>
</tr>
<tr>
<td>Garnishment processing fee (per item)
<br>
</td>
<td style="text-align: center;">$50.00
<br>
</td>
</tr>
<tr>
<td>Research, copies, or account reconciliation, per half hour ($5 minimum)
<br>
</td>
<td style="text-align: center;">$15.00
<br>
</td>
</tr>
<tr>
<td>Returned checks on another person's account at another institution
<br>
</td>
<td style="text-align: center;">$10.00</td>
</tr>
<tr>
<td>Returned checks on your account at another institution
<br>
</td>
<td style="text-align: center;">$25.00
<br>
</td>
</tr>
<tr>
<td>Phone loan payment using non-Illuminati Private Bank card
<br>
</td>
<td style="text-align: center;">$10.00
<br>
</td>
</tr>
<tr>
<td>Expedited title fee
<br>
</td>
<td style="text-align: center;">$15.00
<br>
</td>
</tr>
<tr>
<td>Cashier's checks (first check per day is free)
<br>
</td>
<td style="text-align: center;">
<div style="margin-left: 20px;">$2.00 per check</div>
</td>
</tr>
<tr>
<td>Declaration of loss (cashier's check)
<br>
</td>
<td style="text-align: center;">$25.00</td>
</tr>
<tr>
<td>Check cashing (member only has savings account with less than $100 and is age 19 or older)
<br>
</td>
<td style="text-align: center;">10% of check or $10 maximum</td>
</tr>
<tr>
<td>Skip payment request (via eBanking)</td>
<td style="text-align: center;">$30.00</td>
</tr>
<tr>
<td>Skip payment request (via branch)</td>
<td style="text-align: center;">$40.00</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<p>Please refer to the rate schedules for Savings, Checking, and Certificate Accounts for dividend and interest rates and annual percentage yields. Service fees and charges are subject to change without prior notice. Service fees and charges are not applicable to youth accounts. This schedules of fees and charges is part of your Membership and Account Agreement. </p>
<p>Federally insured by SSCA. </p>
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