Effective: June 1, 2015

Fee Type Fee Description Amount
Non Sufficient Funds (Check/ACH/Debit Card) Charged when an automated item attempts to clear a share draft or share savings account, by check, ACH or debit card, and there are insufficient funds to cover the item, whether paid or not. $30.00
Courtesy Pay
(Check/ACH/Debit Card/ATM)
Charged when an item / ATM withdrawal is presented against a checking account that is covered by Courtesy Pay and the item / ATM withdrawals is honored. $30.00
Returned Deposit Item Charged for deposits/payments that are returned to the credit union stamped “Non Sufficient Funds”, “Account Closed” or stamped with other reason codes. $10.00
Stop Payment Member Check or ACH Item Charged when the CU places a stop payment order on a check drawn on a member share draft account or an ACH item drawn on a member share draft or share savings account. $25.00
Stop Payment CU Check Charged when the CU places a stop payment on a credit union issued check. $36.00
Cleared Check/Draft Copy Charged when the CU makes a copy of a cleared check/draft. $5.00
Cashiers Check Charged for the purchase of a cashiers check. $5.00
Statement Copy Charged when the CU makes a copy of an account statement. $5.00
Account Research Charged when the credit union performs account research. (minimum 1 hour charge) $25.00 per hour
Statement Reconcilement Charged when the credit union reconciles a member statement(s) (minimum 1 hour charge). $25.00 per hour
Inactive/Dormant Charged when an account is inactive/dormant for 6 or more months with a balance under $100.00 $5.00
ATM/Debit Card Replacement Charged when the CU orders a replacement ATM/debit card. $10.00
PIN Replacement Charged when the credit union has to order a new PIN for a member.  One (1) per calendar year is free. $8.00
ATM Withdrawal Charged for withdrawals from an ATM. The first four (4) per month are free. $1.25
VISA Card Replacement Charged when the CU orders a replacement VISA credit card. $7.00
VISA Over Credit Limit Charged when a VISA credit card balance goes over the approved credit limit. $20.00
VISA Documentation Charged when the credit union must obtain VISA card documentation. $10.00
VISA Card Recovery Charged when the credit union must recover a lost or stolen VISA credit card. $65.00
VISA Credit Card Late Fee Charged for VISA payments made more than 25 days after the payment due date. $20.00
Loan Late Fee Charged for loan payments made more than: 15 days after the payment due date on closed-end loans, and 25 days after the payment due date on open-end loans. 4% of unpaid payment $5 min – $25 max
Loan Processing Fee Charged for non-qualifying loan applications. The fee is non-fundable. $35.00
Title Application Fee Charged for processing title applications for vehicle loans. ($9.00 mailed to title bureau, $1.00 credit union processing fee) $10.00
Christmas Club Withdrawal Charged for withdrawals from a Christmas club (including check, cash or transfer) prior to the end of the Christmas club term. $10.00
Excess Withdrawal Charged for cash and check withdrawals from regular shares in excess of 3 per quarter. $5.00
Outgoing Wire Charged when the CU wires funds from a member account (or on behalf of a member) to another financial institution. $15.00
Incoming Wire Charged for incoming wires to a CU member account. $5.00
Returned Mail / Bad Address Charged each statement cycle that a credit union member fails to provide the credit union with a current address. $10.00
Closed Account Charged per occurrence to accounts that are closed at the member’s request within 90 days of opening the account. $10.00
Early Surrender Charged for surrendering a regular or IRA share certificate prior to the maturity date. 90 day dividends whether earned or not