Fee Disclosure

Effective: 05/01/2010

The following fees may be assessed against your account:

Non-sufficient fund draft or ACH $25.00
NSF Visa Debit $25.00
Overdraft Transfer
(You may perform up to 6 transfers online each month for free)
Courtesy Pay Draft $25.00
VISA or ACH Phone Payment to loan $5.00
Deposited checks returned unpaid $15.00
Cashiers Check $2.00 each
Money Orders $0.50 each
Counter Checks $1.00 for a sheet of 4
Loan Late Fee $20.00 or 5% of Payment
(whichever is greater)
Account Closure
(Within 90 days of opening)
Replace lost or stolen VISA Check Card $10.00
Membership application fee $1.00
Draft Printing (Fee depends on style of draft ordered)
An account is considered dormant if for one year no withdrawals or deposits, other than credited Dividends, have been made to the account.
IRAs and accounts with a daily balance of $1,000 or more are exempt from the dormant account Fee.

The fee for a dormant account is $10.00 per year.
Account research $25.00 per hour
Account balancing assistance $25.00 per hour
Stop Payments –Draft and ACH $15.00
Wire Transfer USA $10.00
Copy of Draft
12-months free draft copies & statement history available online.
$5.00 per copy
Statement Copies $5.00 per copy
Bad Address Fee $5.00 per month