Late fees are as follows: Consumer Loans such as Autos, RVs, LOCs or Share/CD secured: 20% of the unpaid interest after 10 days delinquent with a minimum charge of $2.00. Home Equity Lines of Credit: 20% of the unpaid interest after 15 days delinquent with a minimum charge of $0.50 and a maximum charge of $50. Home Equity Loan: 20% of the unpaid interest after 7 days delinquent with a minimum charge of $0.50 and a maximum charge of $50. Visa Credit Card: 5% of delinquent payment after 10 days delinquent with minimum charge of $5.