Fee Schedule – Effective January 2, 2020
IRA Share Savings Account Fees
| Processing | $15.00 One time Set Up Fee |
Checking Account Fees
| NSF ( Non-Sufficient Funds) | $25.00/Per presented item (paid or returned) |
| Stop Payment | $25.00/Request |
| Check Orders | Pricing may vary depending on style and quantity |
| Share Draft Checking Service | $5.00/month IF the minimum balance is not maintained |
| Checking Overdraft/Transfer | $5.00/Transfer from O/D line of credit or other account |
| Check Copy | $2.00/Copy after first five copies |
Other Service Fees
| Teller’s Check | $2.00/Check (One FREE per month) |
| Money Order | $1.00/Money Order |
| Return Mail | $1.00/Statement |
| Account Research | $25.00/Hour |
| Statement Copy | $1.00/Copy |
| Deposited Item Return | $5.00/Per Presentment |
| Deposited Foreign Item return | $20.00/Per Item |
| Domestic Wire Transfer | $15.00/Transfer |
| International Wire Transfer | $40.00/Transfer |
| Escheatment Fee | $75.00 after 3 years of dormancy |
| Regulation D Violation Fee | $5.00/Transfer out of savings after first 6 per month |
| Membership Closure | $20.00 if the Membership Account is closed within 6 months of opening |
Replacement of
Lost Debit or Credit Card | $5.00 |
Safe Deposit Box
| 3″X5″ Box | $20.00/Year |
| 5″X5″ Box | $25.00/Year |
| 3″X10″ Box | $35.00/Year |
| 5″X10″ Box | $40.00/Year |
| 10″X10″ Box | $65.00/Year |
| Replace One Lost Key | $20.00 |
| Drilling of Boxes | $150.00 |
Loan Late Fee
| Mortgage Loan Late Fee | A payment over 10 days past due will receive an $18.00 late fee |
| Consumer Loan Late Fee | A payment over 10 days past due will receive a $20.00 late fee PER month past due |
Membership Share Value
| Par Value of One Share | $20.00 |
Rate Schedule: Share and Checking Accounts
Rate Schedule – Effective January 2, 2020
| Share Type | % Rate | APY = Annual Percentage Yield |
| Share Savings | 0.20 | 0.20 |
| Share Draft Checking | 0.10 | 0.10 |
| Share IRA | 0.50 | 0.50 |
| Super Saver Share less than $2,500 | 0.20 | 0.20 |
| Super Saver Share $2,500 – $4,999 | 0.30 | 0.30 |
| Super Saver Share $5,000 – $24,999 | 0.35 | 0.35 |
| Super Saver Share $25,000 – $49,999 | 0.40 | 0.40 |
| Super Saver Share $50,000 | 0.60 | 0.60 |
