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Fee Schedule


The fees appearing in this Schedule are accurate as of May 25, 2021.
If you have any questions or require current fee information on your accounts, please call the Credit Union.

Share Account Fees

Dormant $2.50 / month
Account inactive for one (6) months and balance is less than $100.00. Dormant accounts will receive the fee until the balance reaches zero, at which time the account will be closed. 
Account Closure $10.00 if account closed within (3) three months
New Membership Fee

$10.00/One time fee - Does not apply to Saplings Savings accounts. Reduced to $5.00 if account is opened in branch.

Holiday Club Account Fees

Early Withdrawal $5.00 / withdrawal

Money Market, Preferred and Premium Money Market Account Fees

All Money Market Low Balance Fee $5.00 / month
If minimum average daily balance not met
Excess Withdrawal Fee $5.50 / withdrawal
In excess of four (4) per month

Draft Account Fees

Courtesy Pay $35.00 / item
Courtesy Pay coverage at Credit Union discretion
NSF $39.00 / item
Sustained Overdraft (account overdrawn 15 days) $25.00
Stop Payment $25.00 / item
Overdraft Transfer $12.00 / item
(not available for EcoDraft)
Check Copy $5.00 / item
(not available for EcoDraft)
Infinity Share Draft Checking $5.00/Monthly Service Charge
Primary Owner
Age 50 to 64 - $4.00/Month
Age 65 or older - no charge
Check Printing Prices may vary depending upon style.

Other Service Fees

Skip-A-Pay $35.00 / transaction
Wire Transfer (Incoming) $10.00 / transfer
Wire Transfer (Outgoing) $20.00 / transfer
Foreign Wire $40.00 / transfer
Money Order $5.00 / money order
Account Reconciliation $15.00 / hour
Account Research $15.00 / hour
Paper Statements $2.50 / month - members 70+ exempt
Statement Copy $5.00 / copy
Account Activity Printout $2.00 / printout
Deposited Item Return $25.00 / item
Legal Process $50.00 / notice
Telephone Transfer (not audio response or ATM) $2.25 / transfer
Reg D Limit Exceeded Fee (charged on withdrawals over 6 from a Share Savings, Preferred MM, Premium MM and Money Market account) $3.50 per transaction
Official Check Copy $5.00 / item
Check Payable Third Party $2.00 / check
*Prepaid Gift Cards $5.00 / card
*Reloadable Prepaid Debit Card $5.00 / card
*Reloadable Travel Card $5.00 / card
*The cards, a program offered through Harland Clarke, also carry other fees, which are charged to the card and are in the disclosure that accompanies the card. These fees are charged by the issuing bank and not the credit union. 
Return Mail/Bad Address $5.00 / item
Foreign Item
(plus correspondent fee)
$5.00 / item
Bulk Coin 3% for coin over $200. Does not apply to Saplings Savings.
Escheat $10.00
Official Check Stop Payment $25.00 / item
Low Balance Fee

$5.50 / month

Accounts maintaining an aggregate average share balance of less than $350.00 during the month will be assessed this fee. Accounts with any of the following attributes are excluded from the fee:

  • Account opened for less than 90 days
  • Saplings Savings
  • Kiosk Savings
  • Any open loans
  • Under age 18 (primary account holder)
  • Open Active Share Draft account
  • Closed loans within the last 9 months
  • EFT deposit within the last 2 months
  • ACH payroll deposit within the last 2 months
  • Payroll Deposit

EFT Fees

ATM Withdrawal Fees (no fee for withdrawal at proprietary ATMs): 
Inactive* Online Banking $5.50/Month - if inactive for 60 days
*Inactive defined as failure to login/access Online Banking in a 60-day time period.
ATM Balance Inquiry $1.00 / Inquiry
ATM Balance Transfer $1.00 / Inquiry
Inactive Online Bill Pay $5.50 / Month if inactive for 60 days
Reactivation Online Bill Pay $5.00 / Occurrence
Card Replacement $15.00
ATM NSF $39.00 per item
ACH NSF $39.00 per item
Inactive Debit Card $5.00/Month - If no debit card transactions for 60 days
Debit Card NSF $39.00 / Item
Courtesy Pay $35.00 / Item
Courtesy Pay coverage at Credit Union discretion

No Fees

  • Notary Services to our members
  • Medallion Signature Guarantee to our members
  • Copy of Share Draft - No fee on Home Banking
  • Interim Statement - No fee on Home Banking
  • Internal Funds Transfer
  • Automated telephone inquiries

Share Value

Share Value  

Par Value of One Share


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