Deposit Services
Share Savings Accounts
Your basic savings account, this account gives you membership, because you are actually purchasing a share in the Credit Union, which gives you ownership and membership privileges.
Share Draft Checking
Your basic “free” checking account with unlimited check writing and no maintenance fees. This is a non interest-bearing account. Check out the fee schedule and the interest rate on the rate pages.
Checking Plus
An interest-bearing checking account with unlimited check writing. Minimum balance of $1500 must be kept in order to avoid a $5 per month maintenance charge. Other costs may apply. Check out the fee schedule and the interest rate on the rate pages.
Certificates of Deposit
We offer CD’s in a wide range from 91 day to up to 30 month. Minimum of $500 is required to open a certificate. Occasionally we run specials with other minimum and maximum requirements.
Christmas Club Accounts
A very popular savings plan for that special time of year. This is a low maintenance type of account. There are no minimum deposits, however there is a $5 penalty for early withdrawal. Dividends are paid monthly and added to the account. Funds are transferred to your basic share account the first week of November, and can be withdrawn at your convenience anytime after.
Individual Retirement Accounts (IRA)
We offer several types of IRA’s for your special investment needs. Government regulations change yearly for these types of accounts. Please call for complete and current details including current rate.
Money Market
A convenient account to place funds without any time restrictions. Rates are subject to change at every dividend period (30 days). Money Market has a minimum balance of $500 required.
Savings Deposit Insurance
All member accounts are Federally insured up to $250,000.00 by NCUA (National Credit Union Administration), an agency of the U.S. Government. This coverage is FREE to all members.
Accidental Death and Dismemberment Insurance
Each member also receives a free $1,000 A D & D insurance policy. Our insurance carrier CUNA will contact all members about this insurance coverage.
FEE SCHEDULE
| Checking Account | Fee |
|---|---|
|
BASIC CHECKING |
FREE |
|
CHECKING PLUS (OVER $1,500) |
FREE |
|
CHECKING PLUS (UNDER $1,500) |
$5.00 PER MONTH |
|
RETURNED CHECK FOR NSF |
$23.00 |
|
PHOTOCOPY OF CHECK |
$5.35 |
|
STOP PAYMENT |
$12.84 |
|
ACH/EFT STOP PAYMENTS |
$12.00 |
|
TELEPHONE TRANSFERS |
FREE |
OTHER FEES
| Fee | |
|---|---|
|
ACCOUNT ACTIVITY REPORT |
$2.00/PG |
|
CHECK-CASHING (NON-MEMBERS) |
$7.00 |
|
MONEY ORDERS ($1,000 MAX) |
$1.00 |
|
MONEY ORDERS (NON-MEMBERS) |
$3.00 |
|
ATM/DEBIT CARD (PER YEAR) |
FREE |
|
ATM/DEBIT REPLACEMENT CARD |
$15.00 |
|
ATM $ W/D (OVER 10 PER MONTH) |
$1.00/EACH |
|
ATM/DEBIT CARD RETURN FOR NSF |
$23.00 |
|
BILL PAYER AUTOCASH (ACH/EFT) |
$1.00/MONTH |
|
ACH/EFT RETURNS FOR NSF |
$23.00 |
|
SHARE ACCOUNT CLOSE IN 1ST 60 DAYS |
$10.00 |
|
EARLY CHRISTMAS CLUB CLOSING |
$5.00 |
|
RESEARCH FEE (MIN OF $20) |
$20.00 |
|
CASH ADVANCE FOR LOAN PAYMENT |
$5.00 |
WIRE FEES
| Fee | |
|---|---|
|
DOMESTIC INCOMING |
$15.00 |
|
DOMESTIC OUTGOING |
$15.00 |
|
INTERNATIONAL INCOMING |
$25.00 |
|
INTERNATIONAL OUTGOING |
$25.00 |
|
MANUAL REPAIRS |
$2.00 |
|
TRACES |
$10.00 |
|
AMENDMENTS |
$25.00/EACH |
|
RETURNS |
$25.00 |
|
REVERSALS |
$25.00 |
|
CANCEL FOREIGN CURRENCY WIRES |
$50.00 MIN |
BILL PAY CHARGES
| Fee | |
|---|---|
|
PER TRANSACTION FEE |
FREE |
|
NSF OVERDRAFT |
$43.00 |