Fees

Savings Account Fees
Holiday Club Account

Early Withdrawal/Closure Fee

$15.00each (prior to maturity)
Holiday Club Account

Re-Opening Fee

$15.00each time account is closed and re-opened
Vacation Club Account$15.00penalty each withdrawal (after 4 per year)
Money Market Account

Excessive Withdrawal Fee

$10.00per withdrawal if more than three withdrawals per month
Share/Savings Re-Opening Fee$10.00each time
Share/Savings Excessive WithdrawalFee$ 1.00per withdrawal if more than four withdrawals per month
Share Low Balance$ 5.00per month if minimum average monthly balance of $100.00 not maintained. (Waived if under age 18 or over age 55. New members have 90 days to bring the balance up to $100)
Third Party Check Pay$ 2.00each check
NSF Transfer From Savings Fee$ 5.00each time
CHECKING ACCOUNT FEES
Check Printing Fee (Harland Clarke)Fee varies depending on style (S.M.A.R.T.Club checks free - 1 box semi-annually)
Copy of Check Fee$ 2.00each time
Deposited Item Return Fee$10.00per item
Emerge Checking Service Fee$10.00per month
Interest Checking Service Fee$ 7.00per month if $500 minimum checking balance is not maintained
Non-Sufficient Funds (NSF) Fee$30.00per returned item
NSF Paid Item Fee$30.00per paid item
Courtesy Pay Fee$30.00per item
Stop Payment Fee ACH/Checking/Bill Pay$30.00per request
ACH NSF$30.00per item
Account Re-Open$10.00each time
ATM Card Fee$10.00each year
Temporary Checks Fee$ .20each (Waived for new accounts & S.M.A.R.T. Club)
VISA CREDIT CARD FEES
5% Over Credit Limit$15.00
Late Charge Fee (past 10 days)$25.00
NSF Fee for Credit Card Payment$25.00each
OTHER SERVICE FEES (for all other accounts)
Account Reconciliation Fee$30.00per hour
Account Research Fee$30.00per hour
Certified Check (member) Fee$5.00per check (waived for S.M.A.R.T. Club)
Certified Check (non-member) Fee$10.00per check
Check Cashing (non-member - on us) Fee$ 5.00per check
Deposited Item Return Fee$10.00per item
Dormant Account Fee$ 5.00per quarter after 2 years
Fax Service, Personal (long distance) Fee$ 2.00per page (waived for S.M.A.R.T. Club)
Items Sent for Collection Fee$10.00per item
Legal Process Fee$50.00each time
Money Order Fee$ 5.00each
Photocopy of CU-Issued Check Fee$ 2.00each
Returned Mail Fee$ 5.00each time
Signature Guarantee Fee$15.00each
Statement Copy (additional) Fee$ 5.00per copy
Shared Branching Fee$ 1.00per transaction after 6
Plastic Card Replacement Fee$20.00each time
PIN Replacement Fee$ 5.00each time
Wire Transfer (international) Fee$40.00per transfer
Wire Transfer (outgoing) Fee$20.00per transfer
Wire Transfer (Western Union) Fee$20.00per transfer
NSF Fee$30.00per item
VISA Gift Card Activation Fee$ 3.00per card
VISA Travel Card Purchase & Processing Fee$9.95per card (Waived for S.M.A.R.T Club)
VISA Travel Card Reload Fee$2.00each time (charged to the card balance)
VISA Travel Card Replacement Fee$5.00each time
VISA Travel Card Balance Inquiries$1.50each time by ATM (balance inquiries online are FREE)
VISA Travel Card Cash Withdrawalsfrom VISA ATMs Domestic & International, respectively$1.50+ ATM Surcharge of $2.00 + ATM Surcharge (charged to the card balance)
ELECTRONIC FUNDS TRANSFER FEES
Microfilm Development of VISA Sales Draft Fee$ 2.00each
Nonproprietary ATM Withdrawal/Transfer Fee$ 1.00each after six ATM withdrawals in a month at no charge
Rush Order on Plastic Card Fee$25.00per order
Rush Order on PIN Number Fee$25.00per order
NSF Fee$30.00per item
ATM Deposit Correction Fee$ 2.00per item
ATM/Service Center Returned Item$ 6.00per item
ATM Empty Envelope Deposit Fee$30.00each
SAFE DEPOSIT BOX RENTAL FEES (Grand Junction Branch Only)
3” x 5”$29.00annually
3” x 10”$49.00annually
5” x 10”$49.00annually
10x10$99.00annually
Change of Lock/Keys$10.00per time
Drilling of Box FeePaid directly to drilling service
Late Fee$20.0030 days past due
LOAN PRODUCT FEES
Late Payment Fee$25.0015 days past due
Loan Re-Application Fee$15.00(expires after 3 months)
Subordination Fee$150.00per request
CREDIT UNION MEMBERSHIP - NO FEE!
*Fees effective as of 3/1/2014. Subject to change at any time. S.M.A.R.T. Club is the special program for members at 55+ who keep at least $2,000 in loan or deposit account balances