Rates & Fees


Fee Schedule

Fee Schedule Effective November 1, 2020

Share Accounts

Type Fee
Bill Payer $5.00 per month - FREE with debit card
Dormant Account Fee $5.00 per month
Vacation Club - withdrawal before end of club year $10.00
Stocking Stuffer - withdrawal before end of club year $10.00
Early withdrawal from a Certificate of Deposit $25.00 or 90 days dividends whichever is greater
Money Market withdrawal $10.00 (2 free withdrawal each month)

Share Draft / Checking Accounts

Type Fee
Regular Checking - No Fees - Goldenaire No Fees/Interest Deluxe - $2.00 per month $500.00 minimum - Interest
Copy of Draft $3.00
Member Privilege Per Item Fee $30.00
NSF Fee $30.00
Return Check Fee/Return Check Fee of From Members Own Account $15.00/$30.00
Stop Payment Fee $15.00
Replace Debit Card $10.00
Reset Debit Card - PIN # (Allow 2 free resets per year) $5.00

Other Service Fees

Type Fee
Incoming Wire with Phone Notification $25.00
Outgoing Wire $25.00
International Wire $85.00
Certified Checks (Members may receive 2 free each month if they have Deluxe or Goldenaire Checking $7.00
VISA® Prepaid Gift Cards $5.00 each
Any FedEx/Other Actual cost
Share or Share Drafty History $1.00 per page
Faxed Copy of Share Draft or Other Account $3.00 per copy
Copy of Account Statement or Other Info $5.00 per copy
Returned Mail Because of Bad Address $5.00
Share Value: Par Value of One Share $25.00
Close and Reopen Account on Same Day $25.00
Account Closure - If Closed Within 6 Months of Opening $10.00

Loan Fees

Type Fee
Carfax Report $15.00 per vehicle request
Loan Late Fee $10.00 or 5% of payment whichever is greater
Consumer Loan Origination Fee $50.00
Skip Loan Payment $25.00
Mortgage Loan Payoff Statement $25.00 after 2nd request in 12 month period

VISA® Credit Card Fees

Type Fee
Non-Sufficient Funds/ Returned Check Payments $25.00
Late Payment $25.00
Foreign Transaction 1.00%
Cash Advance $1.50
Replacement Cards $15.00

IRA Fees

Type Fee
Transferring IRA before maturity date $50.00
Excessive IRA withdrawals $25.00