Fee Schedule

Christmas Club Account Fees

Account Close Out Fee

$10.00

Share Draft Account Fees

Overdraft Fee	$20.00/item
NSF Fee	$20.00/item
Returned Item Fee	$20.00/item
Stop Payment Fee	$20.00/item
Minimum Balance Fee	$20.00/item

Other Service Fees

Wire Transfer Fee	$15.00/Transfer
Teller's Check	$1.00 / check
Traveler's Check	No Charge
Traveler's Check for two	No Charge
Account Reconciliation	$10.00/hour*
Account Research	$10.00/hour*
Statement Copy Fee	$1.00/copy
Account Activity Printout	$3.00/printout
Deposited Item Return Fee	$25.00/item
Inactive/Dormant Account Fee	$5.00/month**
Telephone Transfer Fee	$1.00/transfer
Overdraft Transfer Fee	$2.00/transfer
Temporary Check Fee	$1.00/sheet

*$10.00 minimum charge
** Charged after 2 years dormant and account balance less than $20.00

EFT Fees

ATM Transaction Fee	$1.00/transaction*
Card Replacement Fee	$5.00/card
PIN Reissue Fee	$2.00/PIN
ACH Overdraft Fee	$20.00/item
Debit Card Overdraft Fee	$20.00/item

*On transactions at ATM's not owned by Credit Union

Share Value/Membership Fee

Par value of one share	$5.00
Membership fee	$1.00*

The rates appearing in this Schedule are accurate as of the Effective Date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.