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 | $3.00 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 |