| MEMBERSHIP FEES |
|
| One-Time Non-Refundable Membership Fee |
$5 |
| Minimum balance to open new Membership |
$20
|
| Re-Application within six months of Closing Membership Account |
$15 |
| CHECKING ACCOUNT FEES |
|
| Automatic Overdraft Transfer (up to 5 per month) |
$3 each |
| Founder's Checking (account opened prior to 2/1/07) |
FREE |
|
Convenience Checking
with Direct Deposit/loan or line of credit
|
FREE
|
| without Direct Deposit/loan or line of credit |
$5 month |
| Interest Checking - balance required to avoid monthly charge AND earn dividends is $2,500 |
$7.50 month |
| Check Orders |
Varies with style |
| Copy of Paid check (2 free per month) |
$3 |
Insufficient Funds (NSF) Checks including ACH & Bill Pay
Returned or Paid item |
$22 each
|
| Stop Payment Request |
$15 |
| SAVINGS ACCOUNT FEES |
|
| IRA Withdrawals (1 free per quarter) |
$5 |
| IRA Trustee to Trustee transfer |
$25 |
| IRA Closure if account has been opened less than 6 months |
$75 |
| Rate Chaser Money Market |
No Fee |
| Regular Share Savings (minimum balance fee) balance needed to avoid monthly fee is $100. $100 balance required within 3 months of opening the membership. Minimum balance waived with at least $2,500 aggregate savings/loans. Waived on membeships for children under 18 years of age. |
$5 Month |
| Savings Withdrawals (3 free per month) waived with minimum $2,500 aggregate in saving/sloans |
$1 each |
| ATM FEES |
|
| ATM Withdrawal (3 free per month at non-Co-op ATMs) |
$1 each |
| Replacement ATM Card/PIN |
$5 |
| Point of Sale (POS) |
unlimited free |
| ATM Deposit Adjustment |
$4 |
| VIRTUAL BRANCH AND BILL PAYER FEES |
|
| Virtual Branch Home Banking |
No Fee |
| without Checking or loan |
$3 month |
| Bill Payer waived with minimum $2,500 aggrgate shares/loans |
$6 month |
|
Bill Payer Account Research
pass through cost basis from Bill Pay vendor
|
$25 - $35 hour |
| Re-set Access Code |
No Fee |
| LOAN FEES |
|
| Auto Equity |
Actual Cost |
| Real Estate document preparation fee |
$200 |
| Subordination Agreement |
$25 |
| GENERAL FEES |
|
| Account History waived with minimum $2,500 aggregate in savings/loans |
$2 page |
| Account Research/Reconciliation |
$20 hour |
| Address Correction/Mail Return |
$5 |
| Check Cashing waived with minimum $2,500 aggregate shares/loans |
$5 |
| Compliance with Legal Order (levy, garnishment, etc.) |
$25 |
| Copy of Corporate Check |
$3 |
| Copy of Statements |
$2 |
| Corporate Check Payable to Third Party waived with minimum $2,500 aggregate in shares/loans |
$4 |
| Dormant Account/Escheat Locator |
$5 |
| Notary Service (non-CU documents) |
$10 per signature |
| Returned Deposit Item |
$15 |
| Telephone Audio Response (4 free per month) |
$2 |
| Verification of Deposit |
$10 |
| Visa Gift Card |
$6 |
| Visa Travel Money Card |
$9 |
| Wire Transer outgoing domestic |
$15 |
| Wire Transfer outgoing international |
$25 |
| Wire Transfer incoming |
No Charge |
