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Fee Schedule

Fee Schedule Effective February 1, 2021

  1. If a check (share draft) or electronic withdrawal overdraws your account, you are charged $35.00.
  2. You are allowed unlimited withdrawals from your Christmas Club account from October 1 through December 31. Any withdrawals from January 1 through September 30 will incur a $25.00 fee.
  3. A Silver checking account has a monthly $15 fee. CREDIT SCORES BELOW “575” Must have direct deposit.
  4. A Gold checking account has a monthly $10 fee if the daily balance falls below $300 any day during the month. No direct deposit or payroll deduction is required for this checking account.
  5. If a check (share draft) or electronic payment overdraws your account and your savings (share) account does not have adequate funds to cover the overdraft and you have opted in to overdraft protection, we will clear (pay) the check or electronic payment and charge you $35.00, unless the overdrawn account balance is less than $10.00, then you will not be charged $35.00. Your account will be allowed to be overdrawn up to $250.00, including all $35.00  Any check (share draft) or electronic payment, including the associated $35.00 fee, that will overdraw your account over $250.00, will be returned unpaid.  If you do not opt in to the courtesy pay program, then any item overdrawing your account will be returned unpaid and you will be charged a $35.00 fee.
  6. When a piece of mail is delivered to the credit union that is undeliverable and/or the addressee has refused delivery, the member will be charged $5. When you change your address, you must complete and sign a change of address form with the credit union to avoid the $5 returned mail fee.  Changing your address at the Post Office will not change your address with the Credit Union.  You must complete and sign a change of address form with the credit union to avoid the $5 returned mail fee.  Changing your address with the VA will not change your address with the Credit Union.  You must complete and sign a change of address form with the credit union to avoid the $5 returned mail fee.
  7. A copy of an account statement will cost $10.00 per month for each statement requested.
  8. A copy of a cancelled check will cost $5.00 per check.
  9. Each cashier check payable to someone other than the member making the check will cost $5.
  10. When a member is granted a credit builder loan a $20.00 loan application fee will be deducted from the member’s account.
  11. If your loan payment is more than 15 days late, you will be charged a $35 late payment fee.
  12. Members financing automobiles with us may purchase GAP (Guaranteed Asset Protection) insurance from us for a one-time fee of $400.
  13. Stop payment orders will cost $20.
  14. If a check you have cashed or deposited into your account is returned for non-payment you will be charged a $20.00 returned check fee.
  15. If you request the Credit Union to find documentation or a transaction related to your account that is at least three months old as of the date of your request, you will be charged a research fee of $25 per hour with a minimum fee of $100.
  16. ACH (manual posting for invalid account number) $5.00 fee for each transaction.
  17. To temporarily increase the limit on your debit card above the $3,000.00 daily limit will cost $10.00 per request.
  18. Requesting to replace a debit card more than 1 card per year will cost $25.00. To request Overnight/2-day shipping of a debit card will cost $35.00.
  19. Excessive phone calls requesting a balance will be charged a fee of $1.00.
  20. Out-going wire transfer fee is $20.00, no fee will be charged for incoming wires.
  21. ACH (next day) transfer fee is $10.00.
  22. Account number change for any reason will be charged a $30.00
  23. Account activity printout fee $5.00 for each month.
  24. Verification of Deposit (by third party) $10.00
  25. Loan extension fee is $25.00 for each month requested.
  26. Dormant Account Fee is $5.00 for accounts with no activity for 1 year and balances of $200.00 or below.

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