YEAR 2024 FEE SCHEDULE
The following fees may be assessed against your account.
PC Branching (Internet Access and Bill Pay)
| Inquiries | N/C |
| Transactions | N/C |
| * Bill Pay Transaction Fee | N/C |
* (Bill Pay Transaction Fee subject to change with notice)
ARU (Credit Union Audio Response System)
| Inquiries | N/C |
| Transactions | N/C |
| * Bill Pay Transaction Fee | N/C |
Regular Shares (Savings)
| Service Charge | N/C |
| Minimum Required Balance to maintain Account | $5.00 (One Share) |
| Minimum Daily Balance to receive Dividends | $250.00 |
| Early Account closure (If account has been open less than 1 year) | $5.00 |
| Dormant Account Processing Fee (assessed after 3 years & annually thereafter) | $10.00 |
| Below Required $5.00 Balance Fee (Quarterly) | $5.00 |
Share Draft (Checking)
| Minimum Required Balance to Open Account | $5.00 |
| Minimum Daily Balance to receive Dividends | $750.00 |
| Stop Payment Fee (all types with each placement) | $30.00 |
| Insufficient Funds Fee (All types with each NSF transaction) | $30.00 |
| Two party checks returned (with each returned transaction) | $30.00 |
| Photocopy of Original Check | $5.00 |
| Account Reconciliation/Research (with minimum of 1 hour) | $25.00 per hour |
| Negative account fee (Monthly) | $5.00 |
** Cost of Credit Union Checks
| 1 Box | @ $17.95 for 150 |
| 2 Boxes | @ $35.90 for 300 |
| 3 Boxes | @ $71.80 for 600 |
Other Check Orders (charge based on Vendors Price)
** (Cost of Credit Union Checks subject to change with notice upon order)
OVERDRAFT PROTECTION OPTION
Reg D temp rule – unlimited number of transfers from designated savings account with no fees or penalties, if funds available, to prevent any debits from being returned for insufficient funds.
ACH TRANSFER CREDIT OPTIONS
ACH transfer credits are posted to Members Share/Savings Account. Members have the option to set up electronic transfer of ACH transfer credits to their checking account and any other account types the credit union offers, including but not limited to loans with no fee, if ACH transfer credit was not originated by the credit union, but thru a third party by the member.
ATM/Debit Card Fees
| Service Charge | N/C |
| Replacement of ATM/Debit Card | $5.00 |
| Cash withdrawal at participating Credit Union Network ATM | N/C |
| Point of Sale Transactions | N/C |
| Cash withdrawal at non-participating Credit Union Network ATM | Varies per ATM machine |
| ATM Switch Fee | $1.00 |
Other Fees
| Account Activity Printout/Photo copies | $5.00 per page |
| Credit Union Check | $3.00 per check |
| Stop Payment on Credit Union Check | $30.00 |
| Return Mail Fee (not including costs incurred) | $5.00 per item |
| Collection Items Outgoing | $30.00 |
| Collection Items Incoming | $30.00 |
| Direct Deposit | N/C |
| Payroll Deduction | N/C |
| Wire-Transfer Fee | $30.00 |
| ACH Origination Fee | $5.00 |
| ACH Origination Re-occurring Fee | $3.00 |
| Loose Coins under $10.00 | N/C |
| Account ACH Deposit/Withdrawal Research Fee (Due to Incorrect Routing/ABA and/or Member Account Number; the correct Routing/ABA Number for Direct Deposit is 313182217.) | $25.00 |
| Coin Usage (Members only) | 3% |
| Garnishment/Levy | $75.00 |
| Withdrawal Fees: (SUSPENDED) | $10.00 for each withdrawal in excess of six (6) per month |
Fax Fee
| 5 or more pages | $5.00 |
| less than 5 pages | $1.00 per page |
***Cost of Credit Reports
| Credit Report fee (individual/joint) | $25.00/$30.00 |
| Credit Re-evaluation fee (Within 180 days of previous request) | $25.00 |
***(Cost of Credit Reports subject to change with notice provided to Member upon submitting Loan request)
| Inactive Account Fee (inactive is defined as no Member initiated transactions for six (6) months) | $10.00 |
Non-Member Service thru the use and benefit of Member’s Account:
| Check Transaction Service Charge | $25.00 |
Delinquent Loan Fees: A Delinquent Loan Fee will be charged on loan payments that are more than ten (10) days late. After the 10-day grace period a $25.00 charge will be assessed.
Fees are based on either the Credit Union’s direct cost for each service and/or the man-hours necessary to offer each service or perform each service for our membership. All fees are subject to change without notice. See Credit Union for complete fee information.
