Fee Schedule

Share (Savings) Account Fees

Effective January 1, 2015

# Account Action Fee
1 Early Termination Fee
(Closing account within 90 days of opening)
$5.00
2 Over-Withdrawal Limit
(Only on club accounts)
$5.00/check
3 Stop Payment – Withdrawal Check $20.00
4 Inactive Account Fee
(after 12 months of inactivity)
$5.00/month
5 Escheat Fee $100.00

Share Draft (Checking) Account Fees

Effective January 1, 2015

# Account Action Fee
1 Automatic Overdraft Protection Fee $5.00/overdraft
2 NSF Check & ACH Draft Fee $30.00/check
3 Stop Payment Fee $20.00/check
4 Copy of Check Fee $5.00/check
5 Account Reconciliation Fee $25.00/hour
6 Statement Copy Fee $2.00/month
7 Debit Card Replacement Fee $10.00/card
8 Account Research Fee $25.00/hour

Lending Fees

Effective January 1, 2015

# Account Action Fee
1 Home Equity Loan Appraisal & recording fees varies per loan
2 Home Equity Satisfaction Prices vary per loan paid off
3 Visa® Late Payment Fee $20.00 (after 20 day grace period)
4 Visa® Over-Limit Fee --
5 Loan Payment Late Fee $20.00 (after 15 day grace period)

Other Fees

Effective January 1, 2015

# Account Action Fee
1 Returned Mail Fee $2.00
2 IRA Early Withdrawal Penalty Half of remaining term dividend will be forfeit
+ any penalties charged by the IRS