| Fees for Services Effective July 1, 2009 |
|
| SERVICE |
FEE |
| New Member Fee |
$8.00 |
| |
| Share/Savings Account |
| Withdrawal/Transfer by phone/mail* |
$3.00 |
| Close Christmas Club Early |
$5.00 |
| Close Account within first 90 days |
$5.00 |
| Copy of statement (per copy) |
$3.00 |
| Return mail |
$3.00 |
| Returned deposited item |
$25.00 |
| Research account over 1 year (per hour) |
$15.00 |
| Excessive share withdrawals (per qtr.) |
$5.00 |
| |
| Share Draft Account |
| Withdrawal/Transfer by phone/mail* |
$3.00 |
| Return Mail |
$3.00 |
| Copy of statement or check (per copy) |
$3.00 |
| Overdraft from share/savings/loan |
$5.00 |
| NSFs |
$25.00 |
| Stop Payments |
$25.00 |
| Returned deposited item |
$25.00 |
| Research account over 1 year (per hour) |
$15.00 |
| |
| Automated Teller Machine |
| Withdrawals/POS |
None |
| Card/PIN Replacement |
$5.00 |
| Research (per hour) |
$15.00 |
| NSFs |
$25.00 |
| Returned deposited item |
$25.00 |
| |
| Visa |
| Annual Fee |
None |
| Over Limit Fee |
$25.00 |
| Late Fee |
$25.00 |
| Card Replacement |
$5.00 |
| Copy of Charge |
$5.00 |
| Return Check Fee |
$25.00
|
| |
| Audio Response |
| Transfers |
None |
| Withdrawals |
None |
| Inquiries |
None |
| |
| Money Wires |
| Domestic |
$20.00 |
| |
|
|
Other
|
| Accumulation IRA setup fee |
$10.00
|
| Dormant fee (If no activity on ALL accounts for more than one year and cumulative shares < $300) |
$3.00 month |
