Truth – in – Savings Rate & Fee Schedule

Share & Draft Accounts
Effective Date: January 2018

The rates and fees appearing in this schedule are accurate and effective for deposit accounts as of the last Dividend Declaration Date indicated on this Rate and Fee Schedule.
If you have any questions or require current rate and fee information, please call the Credit Union.
*This credit union is federally insured by the National Credit Union Administration.

ACCOUNT RELATED FEES

Share Savings Regulation D Penalty $2.00 per withdrawal after six (6) in any month
Non-Sufficient Funds (NSF) $30.00 per item
Overdraft Privilege $30.00 per item
Stop Payment $15.00 single item, $25.00 per series
(Member Drafts, ACH items, Money Orders & Counter Checks)
Image Copy $3.00 per item (Member Drafts, Money Orders & Counter Checks)
ACH Exceptions $2.00 per item after notification
Account Inactivity Fee $5.00 per month (If No Generated Activity in last 12 months on Savings and/or Checking)
Statement Copy $3.00 per statement
Credit Verification $10.00

CHECK AND CREDIT CARD FEES

Card Reissue $10.00
PIN Reissue $5.00
Suspension Reactivation $7.00
Cash Advance $5.00 if not a Credit Union Visa; nonmember $5.00
Late Payment $25.00 after 3 days or $30 after 3 days if 2nd offense in 6 months
NSF Payment $25.00
Foreign Transactions 2% of the amount

LOAN FEES

Late Payment $25.00 – $35.00 after 10 days
Electronic Lien Title Filing $20.00
Encumbrance/Title Fees $78.00
Creditor Inquiry $1.00 per inquiry
UCC1 Filing $100.00
Home Equity Closing Costs Varies
Foreign Transactions 2% of the amount

GAP Insurance

Auto $349.00
Motorcycle $379.00
RV $399.00

OTHER SERVICE FEES

Wire Transfer (In or Out) $20.00
Western Union Quick Cash $15.00 per transaction
Money Orders $2.00 per item, $3.00 refund or exchange
Counter Checks $3.00 per item, $3.00 refund or exchange
Certified Counter Checks / Drafts $3.00 per counter check or member draft
Check Cashing $3.00 if not using account for other services
Faxes Incoming / Outgoing $2.00 if long distance and/or over 2 pages
Copies $0.20 per copy, $0.20 if double-sided
Gift Cards / Travel Money Cards $5.00
Travel Money Card Reload $10.00 per reload
Address Changes $ 3.00 if the Post Office notifies us
Deposited / Cashed Item Return $20.00 per item
Credit Reporting dispute (E-Oscar) $25.00
IRS Levy or Civil Action Order $25.00 processing
Research & Acct. Reconciliation $40.00 per hour, Minimum Charge one hour