Effective December 13, 2012

Account Service Fee
Membership Fee $1.00
Share Account Fees
Dormant Account Fee $5.00/month 
Share Account Withdrawals First 6 free
  $5.00 per withdrawal thereafter
Early Account Closure $25.00 within 90 days of opening
Share Draft Fees
Monthy Service Charge Balances of $800 and over--None
  Balances below $800.00--$8.00/month
  Members over 55 or Students--None
Insufficient Funds Charge $25.00 for each ACH and Share Draft
Stop Payment on Check $30.00 per draft
Photocopy of Draft $2.50 per draft
Money Market Account
Monthy Service Charge Balances $1,000.00 and over--None
  Balances below $1,000.00--$5.00/month
  Members over 55 or Students--None
Money Market Withdrawals First 3 Free; $10.00 thereafter per month
Debit Card Fees
Insufficient Funds  $25.00 per item
Debit Card Replacement $5.00 per Replacement
PIN Number Replacement $5.00 per Replacement
Other Credit Union Service Fees
Bank Draft Fee $10.00 Per Draft
Deposited Item Return Fee $5.00 per item
Wire Transfer Fee $25.00 per Transfer
Western Union Wire Fee $30.00 per Transfer
International Wire Fee $45.00 per Tansfer
Money Order Fee $2.00 per Money Order
Visa Travel Money Card $5.00 New Card Fee
Loan Application Fee $25.00 per application
Return Mail Fee $5.00 per piece of Mail
Check Cashing Fee 5% or $5 minimum(Checks $100.00 and up)
Photocopies $1.00 per copy
FAX (Sending or Receiving) $2.00 per Page
Account Research $25.00 per hour (1hr minimum)
Reconcilement $25.00 per hour (1hr minimum)
Statement Copies $5.00
Account Printouts $1.00 per page

*Rates are effective December 13, 2012 and are subject to change without notice