Fee Schedule

The fees appearing in this Schedule are accurate as of June 1, 2026.
If you have any questions or require current fee information on your accounts, please call the Credit Union.

Share Account Fees

Dormant	$2.50 / month Account inactive for one (6) months and balance is less than $100.00. Dormant accounts will receive the fee until the balance reaches zero, at which time the account will be closed.
Account Closure	$10.00 if account closed within (3) three months
New Membership Fee	$10.00/One time fee - Does not apply to Saplings Savings accounts. Reduced to $5.00 if account is opened in branch.
Certificate Early Withdrawal Penalty	Terms of 12 months or less - 90 days of dividends Terms of 12 months or greater - 180 days of dividends

Holiday Club Account Fees

Early Withdrawal

$5.00 / withdrawal

Money Market and Preferred Share Account Fees

All Money Market and Preferred Share account low balance fee	$5.00 / month If minimum average daily balance not met
Excess Withdrawal Fee	$5.50 / withdrawal In excess of four (4) per month

Draft Account Fees

Courtesy Pay	$35.00 / item Courtesy Pay coverage at Credit Union discretion
Insufficient Funds (NSF)	$39.00 / item
Sustained Overdraft (account overdrawn 15 business days)	$25.00
Stop Payment	$25.00 / item
Overdraft Transfer	$12.00 / item
Check Copy	$5.00 / item
Check Printing	Prices may vary depending upon style.
Fresh Start Checking Monthly Service Fee	$12.00/month

Other Service Fees

Skip-A-Pay Fee	$35.00 / each month skipped
Wire Transfer Incoming	$10.00 / transfer
Wire Transfer Outgoing	$25.00 / transfer
Wire Transfer Foreign Wire	$35.00 / transfer
Money Order	$5.00 / money order
Account Research	$15.00 / hour
Paper Statements	$5.00 / month - members 70+ exempt
Statement Copy	$5.00 / copy
Account Activity	$2.00 / printout
Deposited Item Return	$25.00 / item
Legal Process	$50.00 / notice
Telephone Transfer	$2.25 / transfer
Official Check Copy	$5.00 / item
Official Check Payable to 3rd Party	$5.00 / check
Return Mail	$5.00 / item
Foreign Item (plus correspondent fee)	$5.00 / item
Official Check Stop Payment	$25.00 / item
Temporary Checks	$10.00 / sheet of 4
Expedited Title Request	$25.00 / request
Loan Due Date Change	$15.00 / change
Low Balance Fee	$5.50 / month Accounts maintaining an aggregate average share balance of less than $350.00 during the month will be assessed this fee. Accounts with any of the following attributes are excluded from the fee: Account opened for less than 90 days Any open loans Under age 18 (primary account holder) Open Active Share Draft account Closed loans within the last 9 months EFT deposit within the last 2 months ACH payroll deposit within the last 2 months Payroll Deposit

EFT Fees

Inactive Online Banking (Inactive defined as failure to login/access Online Banking in a 60-day time period.)	$5.50/Month - if inactive for 60 days
Inactive Debit Card	$5.00/Month – If no debit card transactions for 60 days
Other EFT Fees:
Card Replacement	$10.00 for 1st Replacement $20.00 for Subsequent Replacements
Insufficient Funds (NSF)	$39.00 per item
Courtesy Pay	$35.00 / Item Courtesy Pay coverage at Credit Union discretion
Courtesy Pay ATM and One-time Debit (requires opt-in)	$35.00/Item Courtesy Pay coverage at Credit Union discretion

No Fees