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Features & Fees

FEES & FEATURES

Regular Shares

$5 minimum to open. $5 fee if share is closed in under 90 days.

Money Plus Share

$5,000 to open. $5,000 minimum balance required, $5 fee if below minimum. Dividends calculated daily and paid monthly. Dividend rate drops if balance goes below $5000. Limited to 3 withdrawals per month, $5 fee for additional withdrawals.

Budget Checking

$25 minimum to open. No minimum balance required, no dividends paid and no limit to drafts (checks). $5 monthly service charge.
Regular Checking $25 minimum to open. No minimum balance required. Dividend paid monthly on minimum balance of $1,000 or more. No fee on the first 30 drafts. Ten cents for each additional draft. $5 monthly service charge.

Money Plus Checking

$5,000 to open. $5,000 minimum balance required, $5 fee if below minimum. Dividends calculated daily and paid monthly. Dividend rate drops if balance goes below $5,000 No limit to drafts (checks). $5 monthly service charge.

Holiday Shares

Dividend paid annually. Closed on second withdraw, $5 charge.   $5000 Maximum balance.

IRA Shares

$5 minimum to open.  $25 penalty for pre-mature distribution. $10 fee to transfer to another institution.

Share Certificates

$500 minimum to open. Penalty for early withdrawal: 30 days interest with terms of 90 days to one year; 90 days interest on certificates with terms over one year.

IRA Certificates

$500 minimum to open. Penalty for early withdrawal: 30 days interest with terms of 90 days to one year; 90 days interest with terms over one year. $25 penalty for pre-mature distribution. $10 fee to transfer to another institution.
Bill Pay Free to members. Transaction fee $.39 for each transaction over 20 per month.

VISA Debit Card

Can be used wherever Visa is accepted to purchase goods and services. Also works as an ATM Card and accesses cash machines with any of these logos: Exchange, ACCEL, Visa and Plus System networks. (Lost or damaged card replacement fee is $10.)


OTHER FEES

Member Privilege Fee

$25 for each item
Non-sufficient Funds (NSF) $25 for each item
Excess Transaction Fee $10 per transaction after limit of 6(six) free Reg D transfer from shares

ACH Origination NSF

$25 for each item
Returned deposit items $25 per occurrence

Stop payments

$25 to place a stop payment
$5 additional for each item that attempts to clear the account

Copies of statements, interim listings, history print out

$1 each occurrence, no fee if a credit union error is involved

Cashier check

$3 fee per check.  No fee if payable to member.
$1 fee for photocopy of corporate check.
 $20 fee for stop payment request.
Inactive Account Fee $10 per month after 1 year
Legal Action $50

Money orders

$2 each
Loose Coin Counting 5% of total Dollar amount of coins counted

Research and reconcilement

$25 per hour

Foreign Check Exchange

Cost of collection passed on to member.
Fax Fee $1 per page
Non Member Notary Fee $5

Collections, domestic or foreign

$15 each

Wire Transfers

$20 each domestic outgoing wire, $15 each re-occurring wire,
$35 each foreign

Processing levies, garnishments

$50 per occurrence.
     

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.
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