Fees & Charges
Effective Date: 01/01/10
Additional SERVICE CHARGES & FEES may be assessed dependent upon the service(s). All fees/service charges are subject to change without notice.
Service	Fee
SAVINGS ACCOUNTS
Minimum to open Personal Account	$50.00
Minimum to open Youth Account	$10.00
Minimum to open Business Account	$200.00
ONE-TIME ENTRANCE FEES
Personal Account	$1.00
Joint Account	$2.00
Organizations & Businesses	$5.00
CLOSING ACCOUNTS
Closing account within 90 days of opening account	$20.00
Reopening Fee allowed after 6 months suspension	$20.00
RETURNED DEPOSITS (CHECK OR ACH)
Returned deposit(s) or cashed item(s)	$25.00
CHRISTMAS SAVINGS
Christmas Savings withdrawals before November 1st	$10.00
SHARE DRAFT/TRANSACTION/ACH
Amount required in savings to open a share draft account	$150.00
Amount required in savings to open a business transaction account	$200.00
All SD accounts require overdraft protection loan.
Quantity of coins are not accepted except from vendors by arrangement.
Stop payment orders	$25.00
NSF return fee	$25.00
MONTHLY FEES
Monthly fee on personal draft accounts *	$5.00
Monthly fee on business accounts	$15.00
Monthly fee on accounts with $1000 or more in savings	FREE
Share draft check orders are to be paid by the member via automatic debt.
EXCEPTIONS * Initial check order may be waived on accounts with total of $1000.00 on deposit in a savings account or a direct deposit or net payroll monthly.
Returned deposit(s) or cashed items	$25.00
Reconciliation service - Hourly minimum rate of	$25.00
CHECK CASHING
Cashing of a verified check when the amount is greater than funds available in account.	$2.00
MONEY ORDERS
Money orders up to $499.00	$1.00
Money orders $500.00 - $1000.00	$1.50
UTILITY BILLS (IPP) AUTOMATIC 1-3 DAYS
Electric, Gas, Cable, Water, Sewer, and any other	$1.50-$5.00
Other: Credit cards, Auto & Mortgage Loans, etc.	$2.00-$5.00
CASH DISBURSEMENT POLICY
Fee for over 2 withdrawals from savings per month, per withdrawal	$5.00
Fee for over 2 revolving draws per month	$5.00
A maximum of $500.00 in cash will be disbursed at any one time to any member.
LOAN FEES (NON REFUNDABLE)
5% of the installment payment if ten(10) days past due.
Grace (Payday) Loan fee.	$15.00
Amazing Grace (Payday) Loan fee after initial loan fee of $15.00	$10.00
Grace Loan check/debit returns	$30.00
Grace Loan penalty for late/non-payment	$30.00
Loan Application Fee on Regular Loans	$20.00
Real Estate Appl Fee minimum (non-refundable)	$100.00
No application Fee on 100% share secured loans
OTHER
Reprinting of individual statements per month	$1.00
Reprinting of business statements per month	$5.00
Non notification of address change per returned item.	$1.00
Photocopying and faxing per items	$1.00
Inactive savings accounts under $25.00	$ 2.00/month
ATM/STAR FEES
Replacement of Pin	$10.00
Replacement of Lost or Stolen card	$15.00
WIRE FEES
Local wires	$12.00
Non local wires	$15.00
International wires	$32.00
INFO-LINE (641-2828)
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