Rate and Fee schedule

By vote of the membership, this institution is not federally insured, and if this institution fails, the federal government does not guaratee that depositors will get back their money. Each member account is insured to $250,000 by American Share Insurance, a Credit Union Share Guaranty Corporation.

Fees subject to change - Effective october 2011

FEE SCHEDULE
ATM/Visa Debit Card	Fee
Replace Lost ATM/Card:	$6.00
Reissue PIN:	$6.00
Visa International Transaction	$1.50 + 1%
Non-Sufficient Paid	$25.00
Block on Debit Cards for Misuse	$5.00
Supersaver	Fee
Balance below 2,500.00	$3.00 per month (eff. Aug.15, 2010)
Share Draft	Fee
Monthly Maintenance Fee	$3.00 ($1 discount for e-statements)
NSF Return	$20.00
NSF Paid-Cleared Negative	$25.00
Stop Payment on Check/Share Draft	$20.00
NSF Phone Call	$12.00
Overdraft Paid by Line of Credit	$7.00
Auto Overdraft from Shares 6 x Per Month Max	$2.00
Manual Overdraft from Shares After 6 Auto Max	$4.00
Check Research & Reconciliation Assistance	$25.00
Copy of Share Draft	$2.00
Business Account (assessed according to transaction volume)	$7.00-$17.00
NSF Return on Deposited Check	$10.00
Manual Check/Share Draft Posting	$1.00
Negative Account Balance Fee (after 5 days)	$10.00/mo
VISA Gift/Travel Money Cards	Fee
VISA Gift Card Purchase	$3.50
VISA Travel Money Purchase	$5.00
VISA CU Money	$6.95
VISA CU/Travel Money Transfer	$1.00
Miscellaneous	FEES
Late Payment Fee	5% of payment amount or $15 whichever is greater.
Statement Copy	$1.00, first 3 pages, then $.50/page.
Money Orders	$2.00
Early Account Closing Fee (less than 90 days)	$10.00
Credit Union Official Checks	1 free per month then $2.00 each
Funds Delivery	$4.00
Incoming Wire	$5.00
Outgoing Wire	$30.00
Foreign Wire	$50.00
Prenotes with Incorrect Number	$4.00
Notary	$2.00 non members
Non-Member Check Cashing (with CU approval)	$5.00
Dormant Account fee (inactive over 12 mos)	$5.00 per quarter
Below $10 Minimum Balance	$1.00
Loan Skip Payment	$25.00
Title Fee	Current state fees
UCC-1 Fee	Current state fees
IRA Account Maintenance Fee	$10.00 per year
Christmas Club – Early Withdrawal Fee	$5.00
Vacation Club – Early Withdrawal Fee	$5.00
Return Mail	$5.00
Garnishment/Levy	$20.00
Response to Subpoena	$25.00 minimum
FAX - Incoming/Outgoing	$1.00 first 3 pages, then .50/page
IAT - International ACH Fee	$4.00
CHECK CARD FEES AND LIMITS
FEE DESCRIPTION	FEE
Negative Balance	$25.00
$1.50 or 1% whichever is greater International fee for use in foreign countries. Limits: $400.00 cash from ATM per day $1500.00 in purchases per day