Fees and Fines

FEES AND FINES

 Printed and mailed statements: $1 per month/per account. Electronic statements are free. Senior (age 63 and over) and minor (age 17 and under) accounts are exempt from this fee.

ATM TRANSACTIONS – $0.75 each (using ATM or Debit Card)
Member ID Cards – $5.00 for replacements (first one is free)
ATM/Debit Card Applications – $5.00 each
EXCESS WITHDRAWAL – Members who maintain a share balance of less than $500.00, will be permitted to make only one share withdrawal per month at no cost. Additional withdrawals will result in a $10.00 charge. There is no withdrawal charge for members whose balance is over $500.00. (MEMBERS WHO USE AN ATM MACHINE OR THE CU*TALK (audio teller), THE WITHDRAWAL CHARGE IS WAIVED.)
REOPEN ACCOUNT – $10.00 for each reinstatement.
CLUB ACCOUNTS – $10.00 for early Christmas Club withdrawals or excessive Vacation Club withdrawals
COPIES of Statements – $3.00 each
FAX – $1.00 per page in or out
INACTIVE ACCOUNTS – $5.00 monthly on an account inactive for at least 2 years, with a balance of $100.00 or less
LOAN APPLICATION FEES:
Credit Cards –  $10.00 individual application, $15.00 joint application
Holiday Loans –  $20.00 each
Home Equity Loans:  $30.00 (may be deducted from loan proceeds)
Standard Loans: $10.00 individual application, $15.00 joint application
LOAN LATE FEES:
Standard and Holiday Loans – $25.00 after fifteen (15) days delinquent
 Credit Cards – $25.00 after fifteen (15) days delinquent
Home Equity – $30.00 after fifteen (15) days delinquent
NEW MEMBER FEE – $5.00
NOTARY – $25.00 per occurrence
NSF FEES – $30.00 each transaction in an account with a negative balance
OVERDRAFT TRANSFERS – A $5.00 each
OVERNIGHT/CERTIFIED SERVICES – Fees will be charged per courier invoice.
RESEARCH – LEGAL – Requests of documentations pertaining to Lending and/or Deposit Account records will be charged a fee of $100.00 per hour.
RESEARCH – MEMBER ACCOUNT BALANCING AND/OR RESEARCH– $20.00 per hour – A member may call the Credit Union Monday through Friday, during business hours, to schedule an appointment for assistance in balancing any of his accounts
RETURNED ITEM FEE – $30.00 each
RETURNED MAIL FEE – $5.00 each
SATISFACTION OF MORTGAGE AFFIDAVIT – $25.00 each
SKIP A PAYMENT FEE – $30.00 per loan with an account in good standing

STOP PAYMENT REQUEST – $30.00 each

Bank Wires –  $20.00 each outgoing domestic, $35.00 each outgoing international, $5.00 each incoming wire, regardless of amount
Western Union Wires – $17.50 each
GIFT CARDS – $2.50 per card for Members, $3.50 for Non-Members
MONEY ORDERS – $1.50 each
CASHIERS CHECKS – $5.00 each