Rates & Fees
Saving/Checking Rates
Effective January, 2015
Term Share Rates
Effective February 13, 2014.
Term Shares with Dividends Deposited to Shares
|
Term |
Minimum Deposit |
Annual Percentage Yield |
6 Months |
$1,000 |
.25% |
$5,000 |
.37% |
$10,000 |
.42% |
$20,000 |
.57% |
12 Months |
$1,000 |
.37% |
$5,000 |
.42% |
$10,000 |
.47% |
$20,000 |
.67% |
Term Shares with Dividends Added to Principal Monthly |
Term
|
Minimum Deposit |
Dividend Rate |
Annual Percentage Yield |
6 Months |
$1,000 |
.25% |
.25% |
$5,000 |
.37% |
.37% |
$10,000 |
.42% |
.42% |
$20,000 |
.57% |
.58% |
12 Months |
$1,000 |
.37% |
.37% |
$5,000 |
.42% |
.42% |
$10,000 |
.47% |
.47% |
$20,000 |
.67% |
.68% |
Fee Schedule
Effective January 1, 2015
SHARE/SAVINGS PROGRAM FEES: |
Fee / Description |
Amount |
New Member Account Fee |
$0.00 |
Account Closure (if closed w/in 90 days of opening) |
$5.00 |
Early Withdrawals (Club accounts) |
$5.00 / early withdrawal |
Dormant Account (no activity after 12 months and balance is below $200) |
$5.00 / month |
Par Value of One Share |
$50.00 |
SHARE DRAFT/CHECKING PROGRAM FEES: |
Fee / Description |
Amount |
Check Printing fee |
Prices may vary depending upon style |
NSF/Overdraft |
$30.00 |
Stop Payment per request |
$30.00 |
Returned Item Deposit |
$30.00 / item |
Items sent for collection |
$30.00 / item |
Monthly service charge |
$0.00 |
ATM/DEBIT CARD PROGRAM FEES: |
Fee / Description |
Amount |
NSF/Overdraft per item |
$30.00 |
Overdraft Protection from shares |
$5.00 / transfer |
ATM withdrawal (at a non-cu owned atm) |
$0.00 |
ATM/Debit card replacement |
$10.00 / replacement |
Cards in excess of 2 (per card) |
$10.00 |
PIN reissue per occurrence |
$0.00 |
OTHER SERVICE FEES:
|
Fee / Description |
Amount |
Loan Application Fee |
$20.00 |
Loan Late Fee |
$25 when pmt is 11 or more days late |
ACH Origination Fee (One time occurrence) |
$10.00 |
ACH Origination Return Fee (NSF) |
$30.00 |
ACH Stop Payment |
$30.00 / item |
ACH NSF/Overdraft Item |
$30.00 / item |
Account Reconciliation |
$20.00/hour, minimum $20.00 charge |
Account Research |
$20.00/hour, minimum $20.00 charge |
Account Activity Print out/Statement Re-print |
$3.00 / printout |
Cashier’s Check |
$20.00 / check |
Deposited Item Return Fee |
$30.00 / item |
Items sent for Collection |
$30.00 / item |
Legal Process fee |
$50.00 |
Third Party Teller’s check |
$10.00 / check |
Stop Payment for Teller’s check |
$30.00 / check |
Outgoing Domestic Wire |
$15.00 |
Incoming Domestic Wire |
$10.00 |
Outgoing International Wire |
$25.00 |
Incoming International Wire |
$25.00 |
Government Reclamations |
$50.00 |
Escheat |
$25.00 |
VISA Gift Cards – Members |
$1.75 / card |
VISA Gift Cards – Non-Members |
$3.00 / card |
Incoming/Outgoing fax for Member |
$3.00 |
GAP insurance |
$349.00 |
Mechanical Repair Coverage |
price available upon request |