Section title

Consumer Accounts & Services

Fee Schedule

Effective January 1, 2016

Our fees for services are not viewed as a source of income. They’re charged either as a deterrent to discourage abuse or to recover the cost of providing a special service. For more information on our Business Services Fee Schedule click here.

ACCOUNT FEES

Membership

Free

Returned Check Item

$30.00

Copy of Statement (Account History)

$10.00

Copy of Check

$5.00

Stop Payment of Withdrawal Check

$20.00

Shares Below Minimum

$5.00

Cashier’s Check

$5.00

Levy / Garnishment (attachment)

$75.00

Account Closing Fee (if closed within 6 months of opening)

$25.00

Returned Mail Fee

$10.00/month

Account Research (per hour, not to exceed 3 hours)
Free if credit union error

$25.00

Dormant Account (per month after one year of inactivity)

$10.00

IRA Custodial Fees

$50.00

Escheatment

$50.00

eStatement

Free

Paper Statement

$1.00/month


CHECKING ACCOUNT FEES

Overdraft

$30.00

Courtesy Pay

$30.00

Copy of Original Check

$5.00

Stop Payments – first one

$25.00

Stop Payments – each additional

$20.00

Stop Payments (series)

$25.00

Account Reconciliation (Per Hour)

$10.00

 
 

CREDIT CARD FEES

Late Payment Fee

$30.00

Returned item due to non-sufficient funds (i.e. ACH Debit)

$30.00

Returned Loan Payment Fee

$30.00

Replacement Card Fee

$10.00

Statement Copy

$10.00

Special Handling Fee

$10.00

Stop Payment for Recurring Payments

$5.00

2 Day Delivery per Card

$50.00

2 Day Delivery per PIN

$50.00

3 Day Delivery per Card

$25.00

3 Day Delivery per PIN

$25.00

 
 
 

DEBIT CARD FEES

ATM Withdrawals (Not On-Us or POS) - 1st 4 per month

Free

ATM Withdrawals (5 or more per month)

$.50 each

Point of Sale

Free

Propriety ATM’s Foreign Transaction

$3.00

Overdraft

$30.00

Replacement Card/Extra Card/New PIN

$10.00


LOAN FEES

Payday Express Application

$20.00

All Other Loan Applications

Free

Mortgage Verification

$10.00

Loan Subordination Fee

$150.00


OTHER FEES

NetBranching

Free

Bill Payer NSF Fee

$30.00

Bill Payer with Direct Deposit, Home Banking,
Audio Response, Visa Check Card, and e-Statements

Free

Bill Payer without the 5 automated services

$6.00

Visa Travel Card

$4.00

Gift Cards

$3.50

Money Orders

$1.00

Holiday Savings Early Withdrawal

$35.00

Coin Machine (members)

Free

Coin Machine (non-members)

6% of amount

3 x 5 Safety Deposit Box

$25.00 Annually

3 x 10 Safety Deposit Box

$40.00 Annually

5 x 10 Safety Deposit Box

$60.00 Annually

10 x 10 Safety Deposit Box

$100.00 Annually

Replacement Safety Deposit Box Key

$40.00

Safety Deposit Box Drilling

$200.00

Third Party on US Check Cashing

$10.00

Notary

Free (Members Only)

Medallion Signature Guarantee

Free (Members Only)


ACH & ELECTRONIC FEES

Returning ACH Debits

$30.00

ACH Stop Payment

$30.00

Incoming Wire Transfers

Free

Outgoing Wire Transfers (each destination)

$20.00

Outgoing Wire Transfers (International — each wire)

$30.00

Recurring Wire

$10.00

Western Union Quick Cash (Domestic)

$18.00


FOREIGN CURRENCY PROGRAM

Most services available in common and exotic currencies

Foreign Currency Purchase/Sale

*

International Interchange Fee

1% of transaction

*Fees vary, contact credit union for current prices.

ALL FEES SUBJECT TO CHANGE.