Fee Schedule – July 1, 2025

SERVICE	FEE
Account Maintenance (per month)	$2.001
Automatic Overdraft Transfer from Savings (limit 3 per month)	$2.00
Inactive Account – Per Month (no activity in 6 months)	$10.00
Dormant Account (inactive 3 consecutive years)	$25.00
Excess Share Withdrawals (over 3 per month)	$5.002
IRA Early Withdrawal (if less than age 59 ½)	$35.00
IRA Maintenance (per year if balance is under $250)	$35.00
Overdrawn Account (per transaction)	$25.00

CHECKING ACCOUNT	FEE
Cancelled Check Copy	$5.00
Bill Payment Stop Payment Fee	$25.00
Bill Payment Return	$25.00
Foreign ATM Transactions	$3.003
Interest-Bearing Checking Account Maintenance	$2.004
Non-Sufficient Funds (NSF – paid/unpaid per item)	$25.00
Stop Payment (per item or check series)	$25.00
Temporary Checks – Per Checks (4 checks per page)	$2.00

VISA ATM/DEBIT CARD	FEE
Replacement Debit Card	$10.00
Replacement Debit Card – Overnight Shipping	$25.00

VISA CREDIT CARD	FEE
Cash Advance	None
Foreign Transaction Fee	1% of balance
Late Payment	$1-$35
Mailed Credit Card Statement	$5.00
Over-the-Limit	$10.00
Platinum & Platinum Secured Annual Fee	NONE
Platinum with Rewards Annual Fee*	$25.00
Replacement Credit Card – Overnight Mailing	$25.00
Returned Payment	$25.00-$35

OTHER	FEE
Account Reconciliation of Research (per hour, 1.2 hr. min)	$35.00
ACH Returns (NSF – paid/unpaid)	$25.00
Account Paper Statement	$5.00
Account Transaction Printout (in branch)	NONE
Returned Mail Per Instance	$5.00
Collection Items	$15.00
Deposit Item Returns (third party)	$25.00
Deposit Verification (third party)	$20.00
Duplicate Lien Release (Auto, boat, RV, motorcycle, etc.)	$10.00
Phone Assisted Payment Transfer/Payment Request	$5.00
Loan Payment (third party online)	$4.95
Money Orders	$1.50
Money Orders Stop Payment	$25.00
Non-Member Check Cashing Fee	$5.00
Notary Fee (non-member per notary)	$5.00
Notary Fee (real estate documents per notary)	$5.00
Official Checks (third party)	$5.00
Official Check Copies	$5.00
Official Check Stop Payments	$25.00
Signature Guarantee	$25.00
Real Estate Loan Modification Fee	$350.00
Skip a Payment (applicable loans)	$35.00
Speed Pay Per Loan (loan payments)	$5.00
Subordination Fee	$250.00
Incoming Wire Non-Writ of Attachment/Levy/Garnishment	$5.00
Verification of Deposit/Mortgage	$25.00
Wire Transfer (domestic)	$25.00
Wire Transfer (international)	$40.00
Incoming Wire Non-Writ of Attachment/Levy/Garnishment	NONE
Writ of Attachment/Levy/Garnishment	$75.00
Duplicate Lien Release	$20.00

GUEST SERVICES	FEE
Money Orders	$1.50
Official Checks (third party)	$5.00

 ¹ A $2 fee will be charged each month, beginning at the end of the second year after opening the account. This fee will be waived if, by that time, you maintain a minimum combined daily balance of $250 throughout the month in combined share and checking balances, or if you have a loan or VISA. The account maintenance fee is also waived if you are under 22 years of age.  

² Includes each Share Savings withdrawal in excess of three per month: applies to over-the-counter, DOTTIE, Account Access, and mail withdrawals only; does not affect ATM withdrawals or transfers from savings to checking or loans. Members who maintain a minimum $2,000 Share Savings balance are exempt.   

 ³ A fee may be imposed by the owner of the ATM.  

⁴A $2 fee will be charged each month if the monthly balance falls below $1,500.00.

Disclosures