Services:

The Credit Union Visa Check Card--
It works just like a check. Only better. In response to so many member requests, your Credit Union has introduced the Visa Check Card. Often called a debit card, a Visa Check Card works just like a check, only better. Use it instead of cash, credit, or writing a check wherever Visa is accepted at millions of merchants all over the world. The amount of the purchase will be automatically deducted from your Credit Union checking account. It's safer than carrying a large amount of cash and easier than traveler checks. Use It Everywhere A Visa Check Card is convenient and safe to use when traveling or for everyday use. Just present you Card to any retailer that accept Visa, such as gas stations, gift shops, hotels, and restaurants.

It's An ATM Card Too-- A Visa Check Card is also an ATM card. Use it to get cash, make transfers, or even check your balance at ATMs everywhere. Just look for the Cirrus or Visa symbol at more than 500,000 ATM locations worldwide.

To get a free copy of your credit report contact--

annualcreditreport.com

 

Individual Retirement Account (IRA)--
Your credit union offers three types of IRA's: Traditional, Roth, and Education. An IRA share account is a type of retirement plan that qualifies for special tax treatment. Under regular contribution limits, a member may contribute 100% of compensation up to an alloted amount in a traditional IRA. There is an annual feeof $25.00 and a $50.00 per withdrawal fee. Deposits are insured by one of the most stable deposit insurance agencies in the United States (NCUA). Please feel free to contact us and request IRA brochures.

Certificates of Deposit--
Share certificates are available in any amount ranging from $2,000 to $250,000 at a one year or 36-month maturity. Dividends are compounded quarterly.

Loans--
The credit union will loan money for any good reason to any member who qualifies. The making of loans to members is the principle business of your credit union. Our loan application is available online.

Credit Disability Insurance--
According to the Research Council for Economic Security, one out of every three people between the ages of 35-60 will probably suffer a long-term disability. If you become one of these statistics, your loan payments could become a real burden. That's why your Credit Union makes this voluntary insurance available to you. The plan begins making monthly loan payments after a 30 day period. Premiums are based on the unpaid balance of the loan and are added to the loan balance monthly.

Credit Life Insurance--
Credit Life Insurance is protection that every borrowing member can and should afford. The cost is very reasonable and the premiums are added every month to the existing loan balance. The insurance will pay the principle balance of your loan if you die before your loan is paid off. If you select joint coverage, coverage is provided in the event of the death of either you or your joint insured (usually your spouse).

 

MEMBER SERVICES FEE SCHEDULE
Services Offered:	Applicable Fee:
Savings Account Fees
Below Par Fee	$ 3.00
Dormant Account Fee	$ 5.00 per month (only on balances less than $100.00 and inactive for one year)
Account Closure Fee	$10.00 if closed within the first 30 days
Account Reopen Fee	$15.00 if reopened within 6 months
IRA Maintenance Fee	$25.00 per year
IRA Withdrawal Fee	$50.00 each
Transfer Fee	First six free – then $3.00 each
Value Checking Account Fees
Service Charge	$5.00 per month (only if $99.00 minimum balance is not met)
24 Pre-printed Starter Checks	Free
Bill-Pay	With e-statements FREE/$6.00 per month without
Stop Payment Fee	$30.00 per item
NSF Fee (ACH included)	$25.00 per item
Transfer Fee	$ 3.00 per item (to pay NSF check or ACH)
Copy of Check Fee	$ 5.00 per copy
Check Presented on Closed Acct	$ 5.00 per item
Add’l Counter Checks (12 cks)	$ 7.50 per packet
Courtesy Pay Fee	$35.00 per item
Business Checking Fees
Same services & fees as Value Checking
Money Market Checking Fees	$2500.00 minimum to open
Service Charge	$ 8.50 per month (if balance falls below $2500)
6 Free Withdrawals per month	$ 3.00 for each after
Includes same services/fees as Value Checking
Debit/ATM Card Fees
ATM Withdrawal (at our machine)	FREE
Monthly Service Fee	none
Card Replacement Fee	$ 7.50 per card
PIN Replacement Fee	$ 3.00 per new PIN
Overdraft  Fee	$35.00 per item
Other Service Fees
Late Fee for Loan Payments	$10.00 for 10-30 days delinquent
	$20.00 for 31-60 days delinquent
	$30.00 for 61-90+ days delinquent
Loan Documentation Fee	$25.00 per loan request
Cashier’s Checks	$ 5.00 each
Fax Fee	$ 1.00 per page sent
Bank Wire Fee	Outgoing:  $20.00 each - Incoming:  $5.00 each
Western Union Wire Fee	$25.00 each
Account Reconciliation Fee	$10.00 per hour (one hour minimum)
Account Research Fee	$10.00 per hour
Money Order Fee	$ 1.00 each
Fed Ex Overnight Delivery	$45.00 each
Copies	$ 0.10 per page
Loan Refinance Fee	$25.00  (One-time $20.00 for PAL loans)
Return Mail Fee	$ 5.00
Revision Date:  3/1/11

 

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