Service Fee Schedule

Effective April 1, 2008
(subject to change)

Checking Account

NSF Fee $25.00
Stop Payment Fee $  8.00
Check Copy Fee $  3.00
Check Copy (via Online Banking) FREE
Overdraft Transfer Fee (from regular savings or money market to checking) $  2.00
Check Printing Fee varies on check style

Visa® Check Card

Annual Fee per card FREE
POS Purchases (unlimited transactions) FREE
ATM Withdrawals (First 10 per month per account) FREE
    (Over 10 ATM withdrawals per month) $  1.00/each
Card Replacement Fee $10.00
Non-Sufficient Funds Fee $25.00

Electronic Services

Internet Bill Payer FREE
E-Statements FREE
Online Banking FREE
T.L.C. (bank by phone) FREE
Western Union Quick Cash $25.00
Wire Transfer  
     Incoming Wire $10.00
     Domestic Outgoing Wire $17.00
     International Outgoing Wire $35.00

Loans

MasterCard® Late Payment Fee (10 day grace period) $20.00
MasterCard® Over The Limit Fee (more than 1% over the limit) $20.00
MasterCard® Replacement Fee $20.00
MasterCard® NSF payment Fee $25.00
Late Loan Payment Fee (10 day grace period) 5% of payment
Home Equity Application (covers appraisal & title search) Determined by county of residence
Non-sufficient Check Payment $25.00

Other Service Fees

Account Research Fee (if over 90 days old) $30.00/hour
Deposited Item/Payment Returned Unpaid Fee $25.00
Dormant Account Fee (a savings account is considered dormant if 1) there are no deposits or withdrawals for more than one year), 2) accountholder is 18 years or older, 3) there are no other active accounts (loan, CD, IRA) $  3.00/month
Escheat Fee (account dormant over 5 years) $50.00
Failure to Notify of Address Change $  5.00
Garnishment Fee $50.00
Interim Statement Fee $  2.00
Non-Member Check Cashing $  5.00
Return Pre-authorized Withdrawal (ACH) $25.00
Stop Payment on Pre-authorized Withdrawal (ACH) $  8.00
Stop Payment on CU Check $10.00
Telephone Transaction / Inquiry (via MSR) $  5.00
Below Par Value Fee $ 3.00/month
Credit Union Check ( over 2/month payable to self) $ 2.00/each
Credit Union Check (Payable to Third Party) $ 5.00/each

These fees may change from time to time and may not include all fees charged by the Credit Union.

Equal Housing Lender