| SHARE ACCOUNT |
| Minimum to Open Account |
$6.00 |
Excessive Withdrawal Fee
First 3 per month
Each additional withdrawal |
FREE
$1.00 |
| Insufficient Drafts |
$25.00 |
| Dividends are declared and paid quarterly |
| SHARE CERTIFICATE |
| Certificates are available in varying maturities. Dividend rates fluctuate. The dividend rate paid is related to term of deposit. Please contact the Credit Union for additional information. |
| CHRISTMAS CLUB |
| Minimum to Open Account |
$6.00 |
| Funds will be dispersed on November 15th or the next Credit Union working day. Early withdrawal of funds prior to November 15th will close the Christmas Club Account until the following November 15th. Dividends are declared and paid quarterly. |
| INDIVIDUAL RETIREMENT ACCOUNTS (IRA) |
| Variable rate. Please contact the Credit Union for additional information. Dividends are paid quarterly. NOTE: Loans may be made against all of the above accounts with the exception of IRAs at 3.2% above the current dividend rate. Additional disclosures for your account are included in the Account Rules and Regulations. |
| SHARE DRAFT ACCOUNTS |
| Elite Fifty and Better |
|
| Minimum to Open Account |
$51.00 |
Check Orders
Maximum of two Elite Fifty & Better check orders per year. Additional checks may be purchased at member's expense. |
FREE |
| Unlimited Check Writing |
FREE |
| Monthly Maintenance Fee |
FREE |
ATM Transactions
First 5 transactions
Each additional transaction
Cirrus or Out-of-state transaction |
FREE
$0.50
$3.00 |
| ATM Card Issuance |
$10.00 |
| ATM Card-Monthly Maintenance Fee |
$1.00 |
| ATM Card Replacement |
$10.00 |
| ATM Transaction Copy |
$5.00 |
| Copy of Paid Draft |
$5.00 |
| Insufficient Share Drafts - per share draft |
$25.00 |
Per Interim Statement - one per month
additional statements per month |
FREE
$1.00 |
| Stop Payment |
$25.00 |
Statement Reconciliation - first hour
additional time - per hour |
FREE
$15.00 |
Temporary Share Drafts
Limit 25 per calendar year |
FREE |
Transfer Protection Overdraft
1 free per month - only 3 per month allowed by Reg D. |
$2.00 |
Visa Check Card Issuance
If used as an ATM please reference ATM fees. If used as you would a check - unlimited usage at no charge. |
$10.00 |
| Dividends are paid monthly on an average daily balance of $500.00 or more. |
| Regular Checking |
|
| Minimum to Open Account |
$51.00 |
| Unlimited Check Writing |
FREE |
Monthly Maintenance Fee
Monthly maintenance fee will be waived if the average daily balance does not drop below $500.00 |
$5.00 |
ATM Transactions
First Five transactions
Each additional transaction
Cirrus or Out-of-state transaction |
FREE
$0.50
$3.00 |
| ATM Card Issuance (per card) |
$10.00 |
| ATM Card - Monthly Maintenance Fee (per card) |
$1.00 |
| ATM Card Replacement |
$10.00 |
| ATM Transaction Copy |
$5.00 |
| Copy of Paid Draft |
$5.00 |
| Insufficient Share Drafts (each) |
$25.00 |
| Per Interim Statement |
$3.00 |
| Stop Payment |
$25.00 |
| Statement Reconciliation (per hour) |
$15.00 |
| Temporary Share Drafts (each) |
$0.10 |
Transfer Protection Overdraft
1 free per month - only 3 per month allowed by Reg. D |
$2.00 |
Visa Check Card (per card)
If used as an ATM please reference ATM fees. If used as you would a check - unlimited usage at no charge. |
$10.00 |
| Dividends are paid monthly on an average daily balance of $500.00 or more. |
| PERSONAL SERVICES |
| Elite Fifty and Better |
|
Account Reconciliation - first hour
additional time - per hour |
FREE
$15.00 |
| Bad Address/Return Mail |
$10.00 |
| Cashier Check |
$2.00 |
| Charge Back |
$5.00 |
| Collection Items |
FREE |
| Duplicate Lien Release |
FREE |
| Fax Service |
|
Receiving - per page
Local - per page
Long Distance - per page |
$0.25
$0.25
$0.75 |
| Money Orders |
$1.00 |
| Mortgage Verification of Deposit |
$15.00 |
| Notary Service |
FREE |
Research - Microfilm/Microfiche
Current Year - per statement
Prior Year - per statement |
$3.00
$5.00 |
| Traveler's Checks - per $100.00 |
$0.50 |
| Traveler's Checks for Two - per $100.00 |
$1.00 |
Safe Deposit Boxes
3 x 10
5 x 10
10 x 10 |
FREE
$10.00
$20.00 |
| Keys (deposit for 2 keys) |
$15.00 |
Wire Transfers
Incoming
Outgoing |
$10.00
$10.00 |
| Regular Checking |
|
| Account Reconciliation - per hour |
$15.00 |
| Bad Address/Returned Mail |
$10.00 |
| Cashier Check |
$3.00 |
| Charge Back |
$5.00 |
| Check Printing |
Variable |
| Collection Items |
$25.00 |
| Duplicate Lien Release |
$5.00 |
Fax Service
Receiving - per page
Local - per page
Long Distance - per page |
$1.00
$1.25
$1.75 |
| Money Orders |
$1.00 |
| Mortgage Verification of Deposit |
$15.00 |
Notary Service
Member
Non-Member |
$1.00
$3.00 |
Research - Microfilm/Microfiche
Current Year - per statement
Prior Year - per statement |
$3.00
$5.00 |
| Traveler's Checks - per $100.00 |
$0.50 |
| Traveler's Checks for Two - per $100.00 |
$1.00 |
Wire Transfers
Incoming
Outgoing |
$15.00
$15.00 |
Safe Deposit Boxes
3 x 10
5 x 10
10 x 10
Keys (deposit for 2 keys) |
$13.50
$21.00
$40.00
$15.00 |
Fee Schedule
