| Fee Schedule |
SAVINGS ACCOUNT FEES
|
Holiday Club Account
Early Withdrawal/Closure Fee
|
$15.00 each (prior to maturity) |
Holiday Club Account
Re-Opening Fee
|
$5.00 each time account is closed and
re-opened prior to maturity |
Vacation Club Account
|
$15.00 penalty each withdrawal after 4 |
Money Market Account
Excessive Withdrawal Fee
|
$10.00 per withdrawal if more than 3
withdrawals per month |
Share/Savings Re-Opening Fee
|
$10.00 each time |
Share/Savings Excessive Withdrawal Fee
|
$1.00 per withdrawal if more than 4
withdrawals per month |
| Share Low Balance (Basic Savings and Youth Savings) |
$5.00 per month if minimum average
monthly balance of $100 not maintained (waived if under age 18 or over age 55. New members have 90 days to bring the balance up to $100) |
| Third Party Check Pay |
$2.00 each check |
| Non-Sufficient Funds (NSF) Transfer
From Savings Fee |
$5.00 each time |
| CHECKING ACCOUNT FEES |
Check Printing Fee (Harland Clarke)
|
Prices may vary depending on style
(S.M.A.R.T. Club checks free - 1 box
semi-annually) |
| Copy of Check Fee |
$2.00 each time |
Deposited Item Return Fee
|
$6.00 per item |
Interest Checking Service Fee
|
$7.00 per month if $500 minimum
checking balance is not maintained |
Non-Sufficient Funds (NSF) Fee
|
$25.00 per returned item |
Non-Sufficient Funds (NSF) Paid Item
Fee
|
$25.00 per paid item |
| Overdraft Courtesy Pay Fee |
$25.00 per item |
Stop Payment Fee ACH/Checking/
Bill Pay
|
$25.00 per request |
ACH Non-Sufficient Funds (NSF) Fee
|
$25.00 per item |
Account Re-Open
|
$10.00 each time |
| Temporary Checks Fee |
$0.20 each (waived for new accounts
and S.M.A.R.T. Club) |
| VISA CREDIT CARD FEES |
5% Over Credit Limit
|
$15.00 |
| Late Charge Fee (Past 10 days) |
$15.00 |
| Non-Sufficient Funds (NSF) Fee for
Credit Card Payment |
$20.00 each |
| OTHER SERVICE FEES (For all other accounts) |
Account Reconciliation Fee
|
$24.00 per hour |
| Account Research Fee |
$24.00 per hour |
| Certified Check (Member) Fee |
$2.00 per check (waived for S.M.A.R.T.
Club) |
| Certified Check (Non-Member) Fee |
$10.00 per check |
| Deposited Item Return Fee |
$6.00 per item |
| Fax Service, Personal (Long Distance)
Fee |
$2.00 per page (waived for S.M.A.R.T.
Club) |
| Dormant Account Fee |
$3.00 per quarter after 3 years |
| Items Sent for Collection Fee |
$10.00 per item |
| Legal Process Fee |
$30.00 each time |
| Money Order Fee |
$1.00 each |
| Photocopy of CU-Issued Check Fee |
$2.00 each |
| Returned Mail Fee |
$3.00 each time |
| Signature Guarantee |
$10.00 each |
| Statement Copy (Additional) Fee |
$5.00 per copy |
| Shared Branching Fee |
$1.00 per transaction after 6 |
| Plastic Card Replacement Fee |
$20.00 each time |
| PIN Replacement Fee |
$5.00 each time |
| Wire Transfer (International) Fee |
$30.00 per transfer |
| Wire Transfer (Outgoing) Fee |
$10.00 per transfer |
| Wire Transfer (Western Union) Fee |
$20.00 per transfer |
| Non-Sufficient Funds (NSF) Fee |
$25.00 per item |
| VISA Gift Card Activation Fee |
$3.00 per card |
| VISA Travel Card Purchase & Processing Fee |
$9.95 per card |
| VISA Travel Card Reload Fee |
$5.00 each time |
| VISA Travel Card Balance Inquiries Fee |
$1.50 at an ATM (online inquiries are FREE) |
| VISA Travel Card Cash Withdrawal Fee from Visa ATMs Domestic & International, respectively |
$1.50 + ATM Surcharge of $2.00 + ATM Surcharge |
| ELECTRONIC FUNDS TRANSFER FEES |
Microfilm Development of VISA Sales
Draft Fee |
$2.00 each |
Non-Proprietary ATM Withdrawal/
Transfer Fee |
$1.00 each after 6 ATM withdrawals in
a month at no charge |
| “Rush” Order on Plastic Fee |
$25.00 per order |
| “Rush” Order on PIN Number Fee |
$25.00 per order |
| Non-Sufficient Funds (NSF) Fee |
$25.00 per item |
| ATM Deposit Correction Fee |
$2.00 per item |
| ATM/Service Center Returned Item |
$6.00 per item |
| ATM Empty Envelope Deposit Fee |
$15.00 each |
| SAFE DEPOSIT BOX FEES |
| Annual Rental |
3”x5”
3”x10”
5”x5”
10”x10” |
$19.00 per year
$39.00 per year
$39.00 per year
$89.00 per year |
| Change of Lock/Keys |
$10.00 per time |
| Drilling of Box Fee |
Paid directly to drilling service |
| Late Fee |
$10.00 at 30 days past due |
| LOAN PRODUCT FEES |
| Late Payment Fee |
$15.00 at 15 days past due |
| Loan Re-Application Fee |
$15.00 (expires after 3 months) |
| CREDIT UNION MEMBERSHIP - NO FEE! |
*Fees in effect as of February 1, 2008. Subject to change at any time.
S.M.A.R.T. Club is the special program for members age 55+ who keep at least $2,000 in loan or deposit account. |