Rates & Fees
Loans Savings Certificates Fee Schedule
Effective as of: January 1, 2025
| *Note: Fees also apply to Shared Service Center transactions. | ||
| Auto Check History | with loan | FREE |
| without loan | $ 10.00 | |
| Bill Pay Check Copy | $ 20.00 | |
| Change of Account Fee (First Change Free) | $ 5.00 | |
| Check Cashing with less than $100.00 daily balance in the Share Account or another credit union service | $ 5.00 | |
| Close Account within 90 days of opening | $ 15.00 | |
| *Coin Machine | Above $500.00 or Non-Members | 8.9% of Total Amount |
| *Collection Costs | Varies per item | |
| Credit Life or Disability Insurance (Loan) | Actual Cost | |
| Debit or Credit Card Replacement or Pin Number Replacement Fee | $ 10.00 | |
| Deposited Items Returned (Any Account) | $ 20.00 | |
| Deposited Items or Loan Payment check returned on another account under member control | $ 25.00 | |
| Dormant Account Fee | monthly | $ 5.00 |
| Excessive share withdrawals (4 allowed per month/other than share draft) | $ 1.50 | |
| History of Account Print Out (any account) (over 55 free) | $ 2.00 | |
| Home Banking Fee | No Charge | |
| IRA Service Fee | No Charge | |
| Levy and Garnishment | $ 25.00 | |
| Loan Late Charges | 20% of Interest Due | |
| Loyal American Insurance Program | Actual Cost | |
| *Money Orders | $ 2.00 | |
| Non-Sufficient Funds Share Drafts (returned unpaid) | $ 25.00 | |
| Non-Sufficient Funds ACH Items (returned unpaid) | $ 25.00 | |
| Non-Sufficient Funds Share Drafts (transfer from Share Account) | $ 15.00 | |
| Non-Sufficient Funds ACH Items (transfer from Share Account) | $ 15.00 | |
| Non-Sufficient Funds Share Drafts (paid by Courtesy Pay) | $ 25.00 | |
| Non-Sufficient Funds ACH Items (paid by Courtesy Pay) | $ 25.00 | |
| Notary Public Service (member service) | No Charge | |
| Notary Public Service (non-member service) | cash only | $ 10.00 |
| *Official Checks (2 allowed per day) | per item | $ 2.00 |
| Official Checks for non-members (guaranteed funds of nsf) | $ 5.00 | |
| Research/Balancing Account per Hour | $ 15.00 | |
| Returned Statement Charge (bad address) | $ 5.00 | |
| Returned Mail (miscellaneous) | $ 5.00 | |
| Safe Deposit Box Rental (annual) | 3 x 5 | $ 25.00 |
| 5 x 5 | $ 35.00 | |
| 3 x 10 | $ 40.00 | |
| 5 x 10 | $ 45.00 | |
| 10 x 10 | $ 95.00 | |
| Safe Deposit Box Lost Key | $ 75.00 | |
| Safe Deposit Box Drilled (no key) | $ 175.00 | |
| Share Draft Photocopy | $ 2.00 | |
| ~ 1st time share draft order, VIP/over age of 55 or full time student | Free for Basic Drafts | |
| Share Draft Reinstatement | $ 25.00 | |
| Statement Copies | per page | $ 2.00 |
| Stop Payment of Share Draft | $ 25.00 | |
| Stop Payment of ACH Draft | $ 25.00 | |
| Stop Payment of Official Checks | After 90 days from date of issue | $ 35.00 |
| Verification of Deposit | $ 10.00 | |
| VISA Credit Card Late Charge | $ 20.00 | |
| VISA Credit Card Return Check Fee (payments) | $ 18.00 | |
| *VISA Gift Cards | $ 3.00 | |
| Wire Transfers (sending or receiving) | domestic | $ 15.00 |
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