Fee Schedule

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Fee Schedule

Fees and Charges: Below is the Rate and Fee Schedule which sets forth certain conditions, rates, fees and charges applicable to your accounts. This schedule is incorporated into your Master Account Agreement with the Credit Union.

Courtesy Pay Protection	$28.00
NSF, ACH return items	$28.00
Overdraft Line of Credit	$18.00
Stop Payment	$15.00
Overdraft Transfer Fee	$2.00
Wire Transfer	$12.00
International Wire	$25.00
Credit Union Official Check	$3.00
Excessive Account Inquiry (auto response and online banking is FREE)	$5.00
Statement Copy (per page under three years)	$3.00
Statement Copy (per page over three years)	$5.00
Over Six(6) Share Withdrawals per Quarter	$5.00
Check Cashing Fee (per check call for details)	$7.00
Check Cashing Fee (non-member)(per check)	$15.00
ATM Transactions and Inquiries	$1.00
Replacement ATM Cards	$5.00
Debit Cards a month	$1.00
Replacement Debit Card(No Photo) per card	$5.00
Additional Debit Cards (lost or joint) per card	$5.00
Photo Debit Cards (per card)	$10.00
Denial on Debit Cards	$0.50
Replacement Visa Cards	$25.00
Canceled Check Copy	$3.00
Overnight Debit or Visa Cards (per card)	$35.00
Christmas Club Early Withdrawal or Closing (per transaction)	$25.00
Dormant Account Fee (per year and not active for five (5) years)	$10.00

All fees effective January 31, 2008