Account Fees

Fees are subject to change daily at the discretion of the Board of Directors.

Effective Date: 2/3/2023

Checking Account

Monthly Maintenance Fee – Interest Bearing
$1.00

Service Charge per Check

For 1st 50 items per statement period

For items in excess of 50 per statement period

$0

$1.00

Non-Sufficient Funds (NSF) Fee

For 1st day with NSF’s per year

After 1st day with NSF’s per year

$0

$35.00

Overdraft Transfer1
$0.50

CashPoints® Global Account

Monthly Maintenance Fee
$1.00

Share (Savings), Money Market Share, IRA and SEP Accounts

Membership Fee2
$5.00
Service Fee: Share, IRA and SEP3
$0 / $1.00
Service Fee: Money Market Shares3
$0 / $2.00

Visa Debit, CashPoints® and CashPoints Global Cards

Card Issue / Reissue Fee4
$3.00
Lost, Stolen or Damaged Card Replacement Fee
$8.00
PLUS® Network Completed Transaction / Inquiry Fee
$1.00
PLUS® Network Denied Transaction / Inquiry Fee
$0.35

Personal Lending

Late Payment Fee
4% of the payment or $6.00, whichever is less

Mortgage Lending

Late Payment Fee
4% of principal and interest payment

Credit Card

Annual Fee
$0
Balance Transfer
$0
Cash Advance
$0
ATM Transaction
$1.00
International Transaction
1%
Late Payment
Up to $10
Return Check Payment
Up to $5
Lost Card Replacement
$0
Over the Limit
$0
Card Reissue
$0
Rush Delivery of Card/PIN
$15

Miscellaneous Charges

Returned Check / Item for Deposit or Loan Payment
$10.00
Check / Statement Copies prior to 2014
$1.00 each
Check / Statement Copies – after 2014 – Routine Requests5
$0
Check / Statement Copies – after 2014 – Excessive Requests5
$1.00 each
Cashier’s Check Purchase6
$1.00 per cashier’s check
Outgoing Domestic Wire Transfer
$10.00
Outgoing International Wire Transfer
$25.00
Notary Service
$0
Verification of Deposit Request
$10.00
Retro / Historical VOD Request
$20.00

1A $ 0.50 fee will be assessed per overdraft transfer.
2A $5.00 membership fee is charged on the initial share account opening except for FAT CAT and Zard share accounts, that are exempt from the membership fee.
3No service fee for Share, IRA, SEP, and Money Market accounts if the minimum balance is maintained. A $1.00 service fee will be charged for Share, IRA, and SEP accounts that fall below the minimum balance of $5.00. A $2.00 service fee will be charged for Money Market accounts that fall below the minimum balance of $250.00.
4FAT CAT and Zard cards are exempt from this fee.
5No fee for routine copy requests. Excessive requests may result in a $1.00 fee per item.
6Fee applies to cashier’s checks issued for less than $500 only. 

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