Fees & Disclosures


USA PATRIOT Act Notice — Member Identification Program

Important information about procedures for opening a new account: To help the government  fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, date of birth, address, and other information that will allow us to identify you. We may also ask to see your drivers license or other identifying documents.

Schedule of Fees

Effective January 1, 2017

Deposit Account Fees Fee
Returned Deposit Item Charge
Redeposit Charge$10.00
Stop Payment — Your Check or ACH Debit$32.00
Stop Payment — Our Check$32.00
Escheat Fees/Unclaimed Property$50.00
Inactive Account Fee*** (If account is inactive for 1 year.)$5.00/mo.***
Excessive Withdrawal Fee- per Occurrence (Over 6 per month for Savings)$5.00
Checking Account FeesFee
Release Stop Payment$5.00
Certified/Cashier's Check$10.00
Check Copy/Share Draft

Non-Sufficient Funds (NSF) Checks, ACH (electronic debit), Regulation D, Overdrawn or Negative Account, Debit Card Overdraft, ATM Card or Online Bill Pay NSF$32.00
Courtesy Pay
Overdraft Transfer from Shares
Release ACH Stop$5.00
Account Opening Fee — Fresh Start Checking$25.00
Monthly Service Charge — Fresh Start Checking$10.00
Foreign Check Collections (US & Non-US Dollars)
Up to $2,500
Over $2,500

ATM/Visa Debit Card FeesFee
ATM Transaction Fee$1.50
ATM Card Issue/Replacement$10.00
ATM PIN Issue/Replacement$5.00
Point of Sale PurchasesFREE
Emergency Card Replacement Lost/Damaged$55.00
Loan FeesFee
Returned Loan Payment Item Charge$32.00
Additional ServicesFee
Paper Statements1.00/mo
Electronic Bill PayFREE
Outgoing Domestic Wire Transfer$25.00
Incoming Wire Transfers**$10.00**
Address Locator/Bad Address Fee$10.00/mo.
Account Research$25.00/hr.
Express Mail/OvernightCost+$10.00
Tax Levy/Garnishment$100.00
Statement Copy/Account History
$5.00 per statement copy
Account Closure Within 6 Months$10.00
Deposit Verifications (Third Party)$10.00
Money Market Excessive Withdraw Fee****$10.00****
Official Check Request via Phone Call to the Credit Union$5.00
Balance Inquiry via Phone Call to the Credit Union$3.00
Transaction History via Phone Call to the Credit Union$3.00
Transfer Request via Phone Call to the Credit Union$3.00

**Additional fees may be imposed for certain wire transfers to foreign countries as applied by correspondent banking institutions.
*** Account is subject to be charged.
**** The first three (3) withdrawals in a given month are free. Additional withdrawals up to a total of six (6) in a given month are subject to the Money Market Withdrawal Fee. Withdrawals are limited to a total of six (6) per month.