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FEES AND SERVICE CHARGES SCHEDULE

 

The following are fees that may be charged to your account.  If there is a fee due, and it is not available in the share draft account, it will be deducted from any available source under your account number, i.e., share draft, overdraft loan, or shares.

 

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All members are charged for their checks.  The price of checks may vary depending on the choice of check style.  Expedited orders range from $6.56 to $35.74.

 

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Virtual Branch and PEAK Teller 24 transfers and inquires are FREE!

 

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Any check written on an account or any ACH item that must be returned due to non-sufficient funds or any debit card transaction that is cleared with non-sufficient funds is charged a $30.00 handling fee.

 

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Share draft stop payment orders are $20.00 per item.  ACH stop payment orders are $20.00.  We must have your signature to do the stop payment on the ACH's and stop payment on share drafts.

 

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Copies of statements and account histories are $5.00 per page/statement.

 

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Copies of cancelled checks are $3.00 per check.  Rush orders can be done.  The charge is $5.00 per check.  Normal copy orders can take up to ten (10) working days.  The copies are of the front and back of the cancelled check.

 

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Share draft account balancing is available to our members. The first reconcilement is free, thereafter there is a $30.00 per hour charge.  Any research required on your account is charged at $30.00 per hour (minimum of one hour).

 

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Outgoing domestic wire fee is $20.00.  Western Union outgoing wires are $30.00.  International wires are $75.00.  Incoming Wire Notification $3.00.  Outgoing Intra Corporate Transfers $5.00.

 

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Money orders are available for $1.00  These can be purchased for a specified amount up to $1,000.00

 

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The  coin counting fee is 3% of the total coin counted.

 

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Temporary checks are $5.00 for eight except for new accounts, which are free.

 

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The first three withdrawals per month on the Money Market Account are free.  Each additional withdrawal will be charged a $15.00 fee (up to six total are allowed monthly).

 

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Certified checks are available for $6.00 each.

 

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Pin number reissues are available for $3.00.

 

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Debit cards are $18.00 for two years, per card.  Reissues are $9.00 if the card is destroyed.  If the cards is lost or stolen the replacement fee is $18.00.

 

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Garnishments and tax levies pertaining to your account will incur a $75.00 per item fee.

 

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For members who fail to advise the credit union of a change of address, there is a $5.00 change of address fee.  Unable to forward mail return fee is $15.00.

 

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Share draft manual clearing fee is $10.00 per item.

 

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Collection items pertaining to your account; first party return items $25.00 each handling fee, second party return items $5.00 per item.

 

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Corrections necessary on any ATM deposits are $5.00.

 

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Placement of a Debit Card in a Warning Bulletin or pick-up order is $30.00.  This does not include lost or stole debit cards.

 

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ATM withdrawals for less than $20.00 are charged a $2.00 fee.

 

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 A one time membership fee of $5.00 is charged for new members.

 

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VISA Travelers Cheques are available for purchase.  The charge is 1% of the value of single-signature cheques. the charge is 1.5% of the value of dual-signature cheques.

 
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VISA Travel Money Cards are available of purchase in the amount of $250.00 to $9,999.99.  The charge for one VISA Travel Card is $10.00. There is a $2.00 fee for every additional card (up to two additional cards).  To reload one VISA Travel Card the fee is $4.00 (maximum of three reloads).

 
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VISA Gift Cards are available for purchase in the amount of $25.00 to $500.00.  The charge for one VISA Gift Card is $5.00.

 

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A fee of $25.00 will be charged on any account closed prior to 90 days after activation.

 

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A fee of $5.00 will be charged for each check cashed unless you (1) maintain a $100 share balance or (2) maintain a $25 share balance and use another credit union service (i.e. Money Market, Loan, Certificate).

 
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A fee of $15.00 will be charged for any loan payment that is 21 days late on Consumer Loans.

 
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A fee of $20.00 will be charged for any loan payment that is 31 days late on Home Equity Loans.

 
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A fee of $25.00 will apply to every loan application submitted to the loan department.  The fee will be refunded upon loan closing.

 

 

 

**FEES ARE SUBJECT TO CHANGE**

 

 

 

 

 

 

 

 

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