Schedule of Fees & Charges & Point Disclosure

Effective July 1, 2016
Share Par Value $5.00

*Upon opening a Share account, the member will be required to deposit $10.00, with $5.00 to be retained by the Credit Union as a Membership fee. $5.00 remains a Share Par Value in the account and belongs to the owner after 90 days.

**Effective February 1, 2014. Statement fee will be charged monthly for account not electing eStatements. Members younger than 18 or older than 55 will not be charged.

**Overdraft Protection Program: To qualify members must not be delinquent on any loans. Members who do not have a Direct Deposit through ACH or Payroll Posting will be assigned a Courtesy Pay amount of $250.00. Members who have a Direct Deposit through ACH or Payroll Posting will be assigned a Courtesy Pay amount of $500.00 if their Direct Deposit is $.01 to $500.00. If a member's Direct Deposit is $500.01 and up, they will be assigned a Courtesy Pay amount of $1,000.00. Full disclosure available upon request.

***The Credit Union gives provisional credit for the check; the minimum amount that the Credit Union can accept for the item is $50.00.

****For Fixed Rate Loans: A late charge of 5% of the payment or $25.00, whichever is greater, will be assessed on the 10th day past due. This fee will be deducted from the payment. For Variable Rate Loans: A late fee charge of 5% of the payment or $25.00, whichever is greater, will be assessed on the 10th day past due. This fee will be added to the payment.