Some fees may be waived for members who qualify for Relationship Rewards.

General Service Fees

Internet Banking Account Access - Free
Internet Banking Bill Payment Service - Free
Shared Branch Network Usage - Free
Phone Teller Account Access - Free
Monthly Service Fee (Waived for minors, or members with either $100 combined average daily balances or
an active share draft checking account) - $3.00 per month
Account Maintenance Fee after 12 months of inactivity - $5.00 per quarter
Statement Copy/Transaction History (non-automated) - $1.00 per document
Bill Payer Fee (Third party payments) - $2.00 each
Money Orders - $3.00 each
Cashier’s Checks - $5.00 each
American Express Traveler’s Cheques for one  - 1.00% of purchase amount
American Express Traveler’s Cheques for two - 1.50% of purchase amount
American Express Gift Check  - $2.50 each
Visa Gift Cards - $3.00 per card
Invalid Address Fee - $5.00 per month
Outgoing Collections  - $15.00 per document
Notary Fee (waived for internal documents) - $10.00 per signature
Lienholder Letter - $10.00 each
Wire Transfer - Outgoing Domestic - $25.00 each
Wire Transfer - Outgoing International - $30.00 each
Returned Deposit/Payment - $27.00 each
Verification of Deposit for Mortgage Loan - $10.00
Stop Payment Order - $27.00 per item
Legal Process Fee - $35.00 per process
Account Reopening Fee (within 90 days of closure) - $10.00
Check Cashing Fee - $5.00 per check
IRA Closure Fee (if under 59 ½) - $25.00 per account
Research/Reconciliation (Member Request) - $25.00

Share Accounts
Excessive Withdrawals - Member Share (after 6) - $2.00 each
Excessive Withdrawals - Money Market (after 6) - $2.00 each
Excessive Withdrawals - Dream Savings (after 2) - $2.00 each
Club Certificate Early Withdrawal (One free withdrawal per term) - $25.00 each

Debit/ATM Card
Foreign ATM withdrawal Fee (after 6th withdrawal) - $1.00 each
Non-Co-Op Member ATM Surcharge - $2.00 per withdrawal
ATM Deposit - Empty Envelope - $50.00 per envelope

Share Draft Checking
Check Orders (First box free) - See printer’s schedule of fees
Copies of Paid Draft (Internet Banking) - Free
Copies of Paid Drafts (via Live Rep. – after 2 free per month) - $1.00 each
Overdraft Transfer Fee (Min. transfer $100.00 or available balance, withever is less)  - $5.00
Temporary Checks (First order free) - $5.00 per request
eChecking Manual Check and/or Branch Usage Fee - $10.00 each
Opportunity Checking Monthly Service Charge - $10.00 per month
Overdraft/Insufficient Fund (First 5 per year) - $27.00
Overdraft/Insufficient Fund (From 6-10 per year) - $32.00
Overdraft/Insufficient Fund (Over 10 per year) - $37.00
Courtesy Payment Fee - $27.00 per transaction
Point of Sale (POS) Fee - Free

Consumer Loans
Late Charges (>8 days) includes CUDL loans - 5.00% of payment ($15.00 minimum)
CPI (insurance add-on) - $35.00
Overlimit (Cashline) - $30.00
Loan Modification Fee (non workout) - $100.00
Re-application Fee (within 3 months of denial) - $20.00 per application
DMV Processing Fee - $15.00
Skip a Payment Fee - $25.00 per scheduled skip

Visa Credit Cards
Late Charge (> 5 days) - $30.00
Overlimit Fee - $30.00
Cash Advance - 2.00% of advance amount
Balance Transfer - 2.00% of transfer amount
NSF Payment - $27.00

Please see the Deposit Rate Disclosure for current projected dividend rates and Annual Percentage Yields (APY).

Please see Schedule A – New Loan Rates for the current Daily Periodic and Annual Percentage Rate for Consumer Loans, as well as loan limits and restrictions.