*NOTE: All fees quoted are per item or per occurrence unless otherwise noted.

ATM NSF Fee
ACH NSF Fee
Share Draft NSF Fee
VISA NSF Payment Fee

$30.00
$30.00
$30.00
$30.00

NSF Deposit Item
ATM NSF Deposit Item

$25.00
$25.00

Stop Payment Fee

$5.00

ATM Card Replacement Fee(Initial card & first replacement-Free)

$5.00

ATM Fee - per withdrawal transaction

$.25

Bad Address Fee

$5.00/month

Dormant  Account Fee - Share account balances under $35.00 and inactive for more than 12 mos (Dormant share accounts under $10.00 will be closed)

$10.00

Closed Account Fee – Open less than 90 days

$5.00

Statement Copy or Printout

$1.00 per page

Check/Draft Copy - each

$3.00

Mortgage Loan Origination Fee

$100.00

Loan Cancellation Fee

$25.00

Title Fee

$10.00

CAR FAX

$20.00

VISA Card Replacement Fee

$5.00

VISA Gift Card

$2.00

VISA Late Payment Fee

$10.00

ACH Fee – Revoke Authorization

$10.00

ACH Fee – Dispute Unauthorized Transaction

$10.00

ATM Dispute Fee – Three FREE per year (unless a data base breach)

$10.00

Wire OUT Fee/INTERNATIONAL

$15.00/$35.00

Wire IN Fee

$5.00

Western Union-Domestic up to $10,000
                         -International up to $500
                                               over $500

$20.00
$30.00
$30.00 plus 2% of amount sent

Annual Percentage Yield

12.00%

Grace period for repayment of the
balance for purchases

25 days

Method of computing the balance for
purchases and cash advances

Average Daily Balance
(including New Purchases)

Minimum Finance Charge

None

Balance Transfer Fee

None

Annual Fee

None

Transaction Fee for purchases

None