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

Service Charge per Check

For 1st 50 items per statement period

For items in excess of 50 per statement period



Non-Sufficient Funds (NSF) Fee

For 1st day with NSF’s per year

After 1st day with NSF’s per year



Overdraft Transfer1

CashPoints® Global Account

Monthly Maintenance Fee

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

Membership Fee2
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
Lost, Stolen or Damaged Card Replacement Fee
PLUS® Network Completed Transaction / Inquiry Fee
PLUS® Network Denied Transaction / Inquiry Fee

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

Miscellaneous Charges

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

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.