Fee Schedule
Fees & Charges Disclosure
| Product/Service | Fee |
|---|---|
| Abandoned Property report processing fee | $25.00 |
| Account Closure (Within 6 Months of Opening Date) | $5.00 |
| Account Forced Closure | $25.00 |
| Account Reconciliation & Research (per Hour) | $30.00 |
| Any Negotiable Item Returned Non-Sufficient Funds/Uncollectable | $25.00/item |
| Coin Counting fee (free with Secure Rewards Checking) | 5% minimum $5.00 |
| Credit Union Corporate Check Payable to a Third Party (free with Secure Rewards Checking) | $5.00 |
| Duplicate IRS Interest Statement | $10.00 |
| Fee to Payday Lender (per Check) | $25.00 |
| Legal Process Fee (e.g. Attachment, Levy, Garnishment) per Occurrence | $150.00 |
| Money Order (free with Secure Rewards Checking or 55 years old+=$1.00) | $2.00 |
| Notary (Members) (free with Secure Rewards Checking) | $5.00/document |
| Notary (Non-Member Only) | $25.00 |
| NSF or Member Privilege Items (Excluding VISA Classic Credit Card) | $25.00/item |
| One Time Electronic Transfer Fee (1 free monthly with Secure Rewards Checking) | $15.00 |
| Returned Statement/Mail Fee 1st/2nd/3rd Occurrences | $10.00/$20.00/$30.00 |
| Statement Copies or History Printout (per Page) | $10.00 |
| Stop Payment | $25.00/item |
| Teller Phone Transfer Fee (Excluding Loan Payments)* | $5.00 |
| Visa Gift Card (per Card) | $3.50 |
| Wire Transfers (1 free monthly with Secure Rewards Checking) | $15.00 |
| Written Verification of Deposit | $10.00 |
Savings Accounts
| Product/Service | Fee |
|---|---|
| Early Christmas Account Withdrawal | $25.00 |
| Excessive Share Withdrawals (6 Free per Month on Share and Vacation Club) | $5.00/withdrawal |
| Super Savers (2 Free per Month) | $2.00/withdrawal |
| Inactive Account Fee* (per Month) | $12.00 |
| IRA Transfer Fee (to another institution) | $25.00 |
| IRA Withdrawal Fee (1 Free/Month) | $5.00 |
| New Member Share Account Fee | $1.00 |
| Single Service Fee-Drop Below $100 Or Less in Regular Shares During a Month/No Other Services | $5.00 |
Checking Accounts
| Product/Service | Fee |
|---|---|
| ATM Dispute Records | Actual Cost of Charge if Incorrect |
| Check Printing Fee | Actual Cost |
| Foreign ATM Usage Fee*** | $3.00 |
| Inactive Checking Account Fee*** (per Month) | $12.00 |
| Photocopy (Share Draft/Checking Item) | $5.00 |
| Pin Reorder | $10.00 |
| Relationship Checking** | $2.95 |
| Replacement Check Card (Debit Card) (1 free annually with Secure Rewards Checking) | $15.00 |
| Secure Rewards Checking | $4.95 |
Fees and Charges associated with a Share Draft/Checking Account include transactions performed by using a Share Draft/Check or Visa Debit Card to include:
*Transfers may be made using HomeCU (Online Credit Union) or the mobile website with no fee.
**An Inactive Account is a regular share account with NO deposits or withdrawals for twelve (12) months; no other credit union services; a balance of less than $100.00. Members under 18 years of age are excluded.
***An Inactive Checking Account is a regular share draft account or a second chance share draft account with NO deposits, withdrawals, or other activity for one hundred eighty (180) calendar days.
**** Co-Op and Money Tower networks will not incur a fee.
*****Relationship Checking fee will be waived if the member receives eStatements.
Loan Information
| Product/Service | Fee |
|---|---|
| Auto Gap Insurance/ADR/$1000.00 Replacement | $500.00 |
| Late Payment Fee (10 or More Days Late) Excluding VISA Classic Credit Card and First Mortgage | $30.00 |
| Loan Extension Agreement | $25.00 |
| Missing Title Contact Fee (per Occurrence) | $15.00 |
| Mortgage Loan Late Fee | 5% of payment |
| Mortgage Loan Payoff Letter | $50.00 |
| Motorcycle Gap Insurance | $300.00 |
| Noting of Lien | $27.00 |
| Refinance Application Fee (In-House refinance only) | $30.00 |
| Set 4 Class loan application fee | $30.00 |
| Skip-A-Pay Fee | $60.00 |
| Subordination Agreement | $150.00 |
| Temporary Lien Fee | $15.00 |
| UCC Filing Fee | Cost + $5.00 |