As of:
August 1, 2007

Checking Fees - Lending Fees - Research Fees
Visa Related Fees - Safe Deposit Box Fee - ACH Fees - Wire Fees

Account Fees
Dormant (unused share account, 1 year with no activity) with balance below $100.00	$5.00 Monthly
Bad Address, Return Mail	$5.00 Monthly
New Account Closed Within 6 months Of Opening	$10.00
Legal Processing Fee (garnishments, levies, etc.)	$25.00
Foreign Item Deposit Fee	$2.00
Statement Copy Fee	$2.00
Check Cashing Fee (Low balance under $100)	$5.00
Offical Credit Union Check	$1.00 per check after 2 free
ATM Usage Fee For More Than 12 Transactions Per Month	$1.00 per transaction over 12
Shared Branch Usage Fee For More Then 6 Withdrawls or Deposits	$2.00 per transaction over 6
Shared Branch Mini Statement	$2.00 per Mini Statement
Out of State Fax Fee	$1.00 per page
Non Member Credit Union Check Cashing	$10.00 per check
Return Deposit Item Fee	$25.00
Checking Fees
Overdrawn Account Fee	$28.00
Courtesy Pay Fee	$28.00 Per Item
Re-post Fee	$10.00
Return Check Fee/Non-Sufficient Funds (NSF)	$28.00
Check Paid by Held Funds Fee	$28.00
Check Copy Fees	$2.00
Stop Payment Fee (single check or check series)	$20.00 - In person or over the phone $15.00 - Internet Banking or Informant
Temporary Check Fee	$3.00 for 12 laser checks
Overdraft by shares	$2.00 per Item
Money Orders	$2.00 per money order
Inactive Bill Payment Fee	$9.95 per month
Lending Fees
Loan Late Fee	5% of balance, Minimum $15.00
Research Fees
Research Fee	$20.00 Hour
Visa Related Fees
VISA Card Rush Fee	$45.00
VISA Gift Card Fee	$3.50
VISA Card Re-issue Fee	$10.00
PIN Number Reissue Fee	$2.00
VISA Sales Draft Copy	$15.00
VISA Overlimit Fee	$20.00
VISA Late Fee	$20.00
Safe Deposit Box Fee
3 X 5	$20.00 Per Year
3 X 10	$50.00 Per Year
5 X 10	$60.00 Per Year
10 X 10	$95.00 Per Year
Automated Clearing House (ACH) Fees
ACH Stop Payment Fee	$20.00
ACH Return Fee	$28.00
Wire Fees
Outgoing Wires	$15.00
Credit Union to Credit Union	$5.00
Western Union	$15.00
International Wires	$35.00