Schedule of Fees & Charges
Effective: October 25, 2021


Share Draft/Checking Account Fees
Account Type Fee Amount
Basic Checking $6.00/month
Waived With Average Daily Balance of $500.00
Business Checking $16.00/month
Waived with $1,000.00 Minimum Daily Balance
Money Market Saver $16.00/month
Waived with $1,000.00 Minimum Daily Balance

Account Maint.

Account Maintenance
Fee Description Fee Amount
Return Mail Fee $5.00
Insufficient Funds Charge-Returned
(this includes VISA Debit Card, ACH, Bill Pay and other related devices)
Uncollected Funds Charge
(this includes VISA Debit Card, ACH, Bill Pay, and other related devices)
Overdraft Protection Transfer Fee
(from Line of Credit)
$5.00 per transfer
Deposited Checks Returned – 3rd Party $25.00
Deposited Checks Returned
(Member Account at Another Institution)
Stop Payments (per item)
includes member check, teller check, bill pay and ACH
Legal Processing
(garnishment, levy, etc.)
Forced-Place Collateral Protection Insurance $50.00
Holiday Club Early Withdrawal Fee $25.00
Account Reconciling Fee
(per hour-minimum one hour)

Debit Card

Debit Card Fees
Fee Description Fee Amount
ATM Transaction Fee
Balance Inquiry
(at foreign ATM’s)
ATM Withdrawal
(after 3 per month at foreign ATM’s)
Replacement for lost or damaged card $12.00
Rush Order – Replacement up to $150.00

Credit Card

Credit Card Fees
Fee Description Fee Amount
Credit Card Annual Fee None
Credit Card Late Payment Fee Up to $30.00
Credit Card Return Payment Fee Up to $30.00


Wire Transfers
Fee Description Fee Amount
Incoming $20.00
Outgoing $30.00
International $50.00


Miscellaneous Member Services
Fee Description Fee Amount
Initial Membership Entrance Fee $5.00
Account Reconciling Fee
(min one hour)
$25.00 per hour
Statement Copy Fee
(per statement)
Official (Teller) Checks $5.00
Official Check Stop Payment
(lost, stolen, or destroyed)
Dormant – No activity for one year $15.00/quarter
Telephone Inquires by Teller $2.00
Telephone Transfers by Teller $3.00
Account Closed Within 90 Days of Opening $15.00
Excessive Share Withdrawals
(over 6 per month)
International Collections
Plus any additional fees assessed by the other financial institution
Non-Member Check Cashing Fee $6.00
Loan Payment Using Debit/Credit Card 3.5% of overall payment
Loan Payment Using Check by Phone $5.00
Notary Service (Member) $7.00 per stamp
Fax Service $8.00
Duplicate Lien Release $6.00
Domestic Collections
Plus any additional fees assessed by the other financial institution
IRA Set-Up Fee $12.00
IRA Transfer/Closeout Fee
(per transaction)
Account Research Fee $25.00
Check Copy Fee $15.00 per check
Indirect Lending Processing Fee $30.00
Loan Application Fee No Fee
Escheat Fee
(After Three Years of Inactivity)
Verification of Deposit $15.00
Loan Extension Fee $25.00