Credit Card Agreement & Disclosure

Click here for important account information for our members including Regulation E and NCUA's Truth In Savings Regulation.

Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Fee Schedule
Effective Date: Thursday, January 19th, 2017
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
Replace Lost/Stolen/Damaged ATM Card $10.00
Transaction Fee (withdrawal, transfer or inquiry) at STAR ATMs $1.00
Transaction Fee (withdrawal, transfer or inquiry) at CIRRUS ATMs $2.00
Money Order ($1,000 limit) $2.00
Certified check $10.00
Cashier's Checks $5.00
Deposited Checks (and other items) returned unpaid $10.00 if collected
Deposited Checks (and other items) returned unpaid $20.00 if uncollected
Garnishments $25.00
Executions & Levies $2.00 or max allowed by state law
Privilege Pay* $29.00
*Privilege Pay fee may be imposed for transactions conducted via check, in-person draft presentment, ACH or recurring debit card transactions.
Overdraft - Each overdraft paid* $29.00
*Overdraft fee may be imposed for ATM or debit card transactions. You must opt in to this service.
Stop Payments (each) $29.00
Check Printing Depends on style ordered
Rejected Check $3.00
Non-Sufficient Funds Check $29.00
Overdraft Line of Credit $3.00 per advance
Share Transfer Fee $3.00 per overdraft transfer
Inactive Account $5.00
Participation Fee* $3.00
*Monthly fee applied to share accounts with less than a $100 avg. monthly balance, no personal or mortgage loan and no credit card. Applies to members age 21 and older whose account open date is at least 30 days ago.
Account Research $20.00 per hour (1 hour minimum)
Computer History printout (per page) $2.00
Account Balancing assistance $20.00 per hour (1 hour minimum)
Statement Copy (each) $5.00
Copy of Check (per copy) $5.00
Collection Item (incoming) $5.00
Collection Item (includes foreign currency items) $20.00
Wire Transfers (outgoing, domestic) $20.00
Wire Transfers (outgoing, foreign) $50.00
Wire Transfers (incoming, domestic) $15.00
Wire Transfers (incoming, foreign) $20.00
Close Acct. w/i 6 Months of Open $5.00
Reopen Acct. w/i 6 Months of Closing $25.00
Credit Card - Temporary Increase $25.00
Credit Card - Late Payment up to $25.00
Return Mail $5.00
Convenience Fee (over the phone loan payments) $10.00
Immediate Payment Fee (credit cards) $10.00

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