Schedule of Fees

Effective as of January 1, 2018. Fees may be changed at any time. The Credit Union will notify members of any changes in fees as required by law.

Share Savings Account
Monthly fee (below $5 minimum) $2.50
Account closure within six months of opening $25.00
Money Market Savings Account
Below balance requirement fee (balance < $10,000) $15.00
Account closure within six months of opening $100.00
Additional withdrawals/transfers (3 free per month) $25.00
Holiday Club Account
Account closure/withdrawal before yearly distribution $15.00
Checking Accounts
+Monthly fee if qualifications not met (The “ONE” Checking Account) $7.50
Overdraft Share Draft, ACH, ATM (returned) $30.00
Overdraft ATM or one-time Debit Card transaction (Opt-In required) $30.00
Overdraft Courtesy Pay $30.00
Transfer from deposit account to cover overdraft $1.00
Stop payment ACH or Share Draft (one or a series of checks) $30.00
*Check copy $2.50
ATM/VISA Debit Card
Credit Union owned ATM or designated ATM, CO-OP/CU24 network No charge
Foreign withdrawals $1.00
Foreign withdrawals (with The “ONE” Checking Account) No charge
Foreign balance inquiries/transfers $0.75
Foreign balance inquiries/transfers (with The “ONE” Checking Account) No charge
ATM deposit adjustment at foreign machine $10.00
ATM/VISA Debit Card replacement $10.00
ATM/VISA Debit Card PIN replacement $5.00
VISA Debit Card chargeback or disputed transaction that is found to be member authorized $25.00
VISA Debit Card or PIN 2nd day priority mailing $30.00
VISA Debit Card and PIN 2nd day priority mailing $60.00
Foreign currency conversion fee of transaction amount Up to 1%
Bill Payment Service
With The “ONE” Checking Account No charge
^With Basic Checking Account if qualification not met $5.00
Stop payment $30.00
Expedited payments: Expedited electronic $5.00
Expedited payments: Overnight check $25.00
Applicable to ALL Account Holders
Account reconciliation/research fee (per hour) $25.00
Deposited item returned $30.00
Inactive membership $10.00 (quarterly)
*Cashier’s Check (to 3rd party) $1.00
Overnight mail Courier cost (min. $15.00)
Remittance to State Unclaimed Property $30.00
Return mail fee $10.00
**Mailed Statement of Accounts
Fee is waived if you receive your statements electronically
$1.50
per statement
Statement copy fee (per statement month) $5.00
Stop payment on official check (only available for lost or stolen) $30.00
*Wire Out: Domestic $20.00
Wire Out: International $40.00
Writ of Attachment/Levy (per writ or levy) $40.00
Loans
Consumer Loan late payment fee (15 day courtesy period) $30.00
Real Estate Loan late payment fee (15 day courtesy period) $30.00
Returned payment fee $30.00
Lien release letter or copy of title (for previously released titles/liens) $10.00
Application fee – ZipLINE Credit Builder $30.00
Skip-a-Loan Payment/Extension Agreement $30.00
Accounting Payoff Statement (No charge for 1 within 6 months) $25.00 thereafter
Mortgage subordination fee: Within 10 business days $100.00
Mortgage subordination fee: Expedited $150.00
VISA Credit Cards
Late payment fee (15 day courtesy period) $25.00
Returned payment fee $25.00
VISA Credit Card chargeback or disputed transaction that is found to be member authorized $25.00
VISA Credit Card overnight delivery $45.00
Lost/stolen replacement $10.00
Foreign currency conversion fee of transaction amount Up to 1%

To print the Schedule of Fees, click here.

Check out our VIP Program and learn how to earn fee refunds.

+Qualifications for The “ONE” Checking Account: 15 signature debit card transactions; OR $3,000 average daily balance in the account; OR $1,500 minimum monthly Direct Deposit; OR $20,000 or more aggregate membership (under one member number) balance (deposits and/or loans). All accounts must be in good standing to be included in balance calculation.

^Qualification for FREE Bill Pay with Basic Checking: $500 minimum monthly Direct Deposit.

*These fees will be waived for members with The “ONE” Checking Account or a Money Market Savings Account.

**This fee is waived for primary members under 18 years of age or over 65 years of age.

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