Fee Schedule

Effective August 15, 2018


Card payment by phone $15.00 Per Transaction
Non-CO-OP ATM withdrawals $2.50 Per Transaction

Safe Deposit Boxes

3” x 5” Box $35.00 Annually
3” x 10” Box $50.00 Annually
5” x 10” Box $60.00 Annually
10” x 10” $85.00 Annually
SDB Late Fee (<30 days) $20.00 Annually



$45.00 Per hour (min 1 hour)
Carfax $20.00 Per Item
Dormant Account (12 mo. inactivity) $10.00 Monthly
Legal Process Fee (Garnishment/Levy) $125.00 Per Item
Line Of Credit over limit fee $35.00 Per Item
Skip-A-Payment $40.00 Per Skip
Stop Payment $30.00 Per Item
Unclaimed Property Notices $15.00 Per Item
Undeliverable Mail Fee $10.00 Per Item


Intl. Wire Research or Tracking $45.00 Per Item

Business Accounts

Money Services Business Checking  $35.00 Monthly
Cash Handling Fee >$150k $15.00 Per $25,000 Increment 
Line of Credit Renewal $250.00

Summary of Changes to Account Agreement and Disclosures 2018

Funds Availability Policy
Section 1- General Policy
Added to end of section: Interactive Teller Machines (ITMs): When the ITM is staffed, deposits are being made at a staffed facility. When the ITM is not staffed, deposits are being made at an ATM. The funds will be made available according to the General Policy.
Membership & Account Agreement
Section 8a. Endorsements
Added to end of paragraph: For mobile deposits, we may refuse checks lacking a restrictive endorsement, such as “for mobile deposit

Section 26. Inactive Accounts
Deleted from first sentence: “your account falls below any minimum balance”. Minimum balance is not needed along with inactivity for
specified period for account to be classified as inactive or dormant.

4th sentence was deleted: You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To
the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account

Section 29. Termination of membership
Added to end of paragraph: A member who fails to complete payment of one share within 3 months of admission to membership,
or within 3 months from the increase in the par value of shares or a member who reduces the share balance below the par value of
one share, either through voluntary withdrawal of funds or through involuntary assessment of fees and charges, and does not increase the
balance to at least the par value of one share within 3 months of the reduction will be terminated from membership.

Electronic Funds Transfer
Section 1. EFT Services, b. Debit Card
Added to end of section: Card Information Updates and Authorizations. If you have authorized a merchant to bill charges to
your card on a recurring basis, it is your responsibility to notify the merchant in the event your card is replaced, your card information
(such as card number and expiration date) changes, or the account associated with your card is closed. However, if your card is replaced
or card information changes, you authorize us, without obligation on our part, to provide the updated card information to the merchant in
order to permit the merchant to bill recurring charges to the card. You authorize us to apply such recurring charges to the card until you notify
us that you have revoked authorization for the charges to your card.

Your card is automatically enrolled in an information updating service. Through this service, your updated card information (such as card
number and expiration date) may be shared with participating merchants to facilitate continued recurring charges. Updates are not
guaranteed before your next payment to a merchant is due. You are responsible for making direct payment until recurring charges resume.
To revoke your authorization allowing us to provide updated card information to a merchant, please contact us.

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