Account Resources

Interest Rates

Effective July 1, 2017

Savings

Min Bal for APY:
$50

Dividends are compounded and credited monthly and may be retained in certificates. The Annual Percentage Yield (APY) is based on an assumption that dividends will remain on deposit until maturity. Penalty will apply for early withdrawal of any of the principal before maturity date. Fees may reduce earnings.

Certificates & IRA's

A $1000.00 min. balance is required in order to earn APY.

Term:
6 months
Term:
9 months
Term:
1 year
Term:
18 months
Term:
2 years
Term:
3 years
Term:
4 years
Term:
5 years

Certificates

A $1000.00 min. balance is required in order to earn APY.

Term:
7 months
Term:
13 months

IRA's

Min Bal for APY:
$250

Junior Certificates | 2 years

Min Bal for APY:
$100 - $100,000

Money Market

Min Bal for APY:
$1000 - $4,999.99
Min Bal for APY:
$5,000 - $24,999.99
Min Bal for APY:
$25,000 - $49,999.99
Min Bal for APY:
$50,000.00 & over

FEE SCHEDULE

Savings Fees

Savings Accounts

Excess Withdrawal Fee Per transaction if more than six (6) /month.

$1.00

Money Market Accounts

Excess Withdrawal or Debit Fee Per transaction after three (3) /month

$10.00

Checking Fees

Check Printing

Prices vary

NSF

$32.00/item

Direct Deposit Overdraft Fee

$32.00/item

Returned Item

$5.00/item

Single Party Personal Check NSF

$32.00/item

Stop Payment

$20.00/Request

Negative Balance Fee

$2.00/Day

Business Checking Account Fees

Monthly Service Charge

$10.00

ATM/Debit/Gift Cards

Replacement Fee per card

5.00

Visa Gift Card Member Fee

$3.00/Card

Account Closure

$20.00 if closed within 90 days

Account Reconciliation

$20.00/Hour
$20.00 Minimum Charge

Account Research

$20.00/Hour
$20.00 Minimum Charge

Deposited Item Return

$5.00/Item

Fax (Incoming or Outgoing)

$2.00/Fax

Money Order

$1.00/Check

Cashier's Check

$2.00/Check

CU Check Fee

$1.00/Check

Statement Copy

$3.00/Copy

Wire Transfer (Outgoing)

$20.00/Transfer

Bad Address

$5.00/Month

Check Cashing

1% of check amounts

Check Copy

$3.00

IRA Transfer Processing

No Charge

Non-CU Cash Advance

$1.00/Advance

The interest rates and fees appearing with this Schedule are accurate as of the effective date indicated in the Truth-in-Savings Disclosure. Rates and Fees are subject to change without notice. If you have questions please contact us.