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Christmas Club Account Fees Early Withdrawal Fee

Fee $10 per withdrawal

Regular Share Account Fees Minimum Balance Fee

Fee $1/Month, if minimum daily balance is not met

Kids Club Account Fees Minimum Balance Fee

Fee $1/month, if minimum daily balance is not met

Checking Account Fees Overdraft Fee NSF Fee Returned Item Fee Stop Payment Fee

Fees $30/an item $30/per item $30/per item $25 per request

Other Service Fees Items Sent for Collection Check Cashing Fee *if balance is less than $50, or no share draft account ...	Fees $20/per item $2/per item
Wire Transfer Fee (incoming) Cashier’s Check Money Order Account Reconciliation Account Research Statement Copy Fee Account Activity Printout Deposited Item Return Fee Legal Process Fee Dormant Account Fee Telephone Transfer Account Closure Fee Automatic Transfer Fee Fax (outgoing)	$10/transfer $2/check $1/money order $20/hr, $20 minimum $20/hr, $20 minimum $2/month or partial month $2/month $8/item $20/item $10/quarter (charged after 2 years and account balance is less than $250) $2/transfer (not audio response or ATM) $5/account (if closed within 6 months of opening) $1/transfer $1/page

EFT Fees ATM Transaction Fee Card replacement fee PIN reissue Fee ACH Overdraft Fee DebitCard Overdraft Fee

Fees $1/transaction at ATMS not owned by the credit union (after 4 uses) $3/per card $2/per Pin $30/per item $30/per item

Share Value Par value of one share

Fees $5

The rates appearing in this schedule are accurate as of July 2009. If you have any questions of require the current rate and fee information on your accounts, please call the Credit Union at 800.334.9175.

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