Fee Schedule

Member Savings Accounts:
Membership fee $5.00
Additional Primary Account No Charge
Check by Phone FREE
Credit Union Checks Payable to Member FREE
Credit Union Checks Payable to Third Party $3.00
Minimum Balance Fee (per month)
Charged on Savings Accounts with a balance less than $25.00 and no other services.
 Does not include Junior Saver Accounts unless dormant effective 1/1/95
$3.00
Savings transfer 1 free each additional $2.00 Overdraft transfer 1 free each additional $2.00*
Dormant Fee Per Month  (no activity for 2 years) $5.00
Escheat Fee on account with balance over $25.00  (no activity for 3 years) $25.00
 Copy of Prior Statement $5.00
Returned/Dishonored Deposits (NSF) $26.00
Photocopy of Credit Union Share Check $5.00
IRA – New Account Fee  (One time service charge) $20.00
IRA – Yearly Maintenance Fee $20.00
IRA – Administration Fee $10.00
Closure Fee – New Member Account – Closed in less than one year. $10.00

*Service Charges and Fees may be waived or discounted where indicated by this symbol.
Review Account Disclosures for details on free services and discounted service charges.

Special Services:
Share/Share Draft/Loan Research – Hourly Service Charge (Minimum $20.00) $20.00
Interim Statement – Account Status (printout per page) $2.00
Incorrect Social Security Number
Regulated by Internal Revenue Service - Set by law.
$50.00
Processing Subpoenas or Levy $25.00
Address Correction from USPS $5.00
Credit Life and Disability Claims Service No Charge
Photocopies – Per Page $0.50*
Fax Fee (first page) 
  Subsequent Pages
$3.00*
$1.00
Stop Payment (Lost or stolen credit union check) $26.00
Returned Deposit $26.00
Wire Transfer Fee – Domestic $35.00
Wire Transfer Fee – International $45.00
Draft Collections (plus processing fees) $26.00
Verification of Deposits/Credit Inquiry $15.00
Non Member Transactions – Cashing member’s check
Minimum charge or 2% of check rounded to the nearest dollar, whichever is greater.
$10.00

*Service Charges and Fees may be waived or discounted where indicated by this symbol.
Review Account Disclosures for details on free services and discounted service charges.

Share Draft Account Services:
Monthly Service Fee
  (No charge when Account Balance of $500.00 or more is maintained.)
6.00
Emergency/Rush Check Orders
(Plus check order fee, shipping and handling.)
$10.00
Rejected Items
(Special handling for checks printed by unauthorized check printers.)
$2.00
Check Photocopy (2 free copies monthly) $5.00
Stop Payments
Establish
Presented Check
$26.00
$26.00
Overdraft Protection – Monthly
Savings Transfer (First three free – each additional $2.00)
Overdraft Loan Transfer  (First three free – each additional $2.00)
Overdraft, Drawing Account Negative
$2.00
$2.00
$26.00
NSF checks (Non-sufficient funds check) $26.00
Special handling of NSF Checks Deposited $26.00

*Service Charges and Fees may be waived or discounted where indicated by this symbol.
Review Account Disclosures for details on free services and discounted service charges.

ACH & ATM Electronic Services:
ACH Stop Payment
Establish
Presented Check
$26.00
$26.00
ACH NSF Fee $26.00
Special Handling of NSF ACH
Automatic Payroll Deduction/Direct Deposits
Automatic Transfers from RAFE Accounts
$26.00
No Charge
No Charge
NSF on Automatic Transfer of Loan Payment $26.00
ATM Cash Advance – RAFE ATM Machine No Charge
ATM Cash Advance – Foreign Machines $2.00
ATM Card – Primary and One Joint Holder No Charge
Additional ATM Card Holders  (Each additional card.) $5.00
Rush Orders of ATM Card  (Plus shipping and handling.) $20.00
ATM Card Replacement
Damaged Card returned to Credit Union
Stolen Card – Reported to Police
All other replacements – each
$5.00
No Charge
$5.00
ATM Balance Inquiry $1.00
Debit card replacement $25.00
Debit Pin Reminders $5.00
ATM Pin Reminders $1.00

*Service Charges and Fees may be waived or discounted where indicated by this symbol.
Review Account Disclosures for details on free services and discounted service charges.

Consumer Loan Service:
Loan Processing Fee (Initial Application) $25.00
Loan Extension Fee $25.00
DMV Document Processing – Non-dealership transactions $25.00
Demand for Real Estate Payoff $55.00
Real Estate Loan Reconveyance $45.00
Late Payment Charge is 20% of the interest due – 10 day grace period – MINIMUM $5.00

*Service Charges and Fees may be waived or discounted where indicated by this symbol.
Review Account Disclosures for details on free services and discounted service charges.