Fees & Disclosures

Fee Schedule – April 1, 2024

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
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
Replacement Debit Card$10.00
Replacement Debit Card – Overnight Shipping$25.00
Cash Advance None
Foreign Transaction Fee1% of balance
Late Payment $1-$35
Gold Card – Annual Fee*$20.00
Mailed Credit Card Statement$5.00
Platinum & Platinum Secured Annual FeeNONE
Platinum with Rewards Annual Fee*$25.00
Replacement Credit Card – Overnight Mailing$25.00
Returned Payment $25.00-$35
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/GarnishmentNONE
Writ of Attachment/Levy/Garnishment$75.00
Duplicate Lien Release$20.00
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.  


Funds Availability
Membership and Account Agreement
EFT Disclosure