Rates
Share Rates Effective 6/04/2012
| Share Certificates - Minimum $1,000 |
APY |
| 3 Months** |
0.15% |
| 6 Months |
0.30% |
| 12 Months |
0.55% |
| 24 Months |
0.80% |
**3 month share certificate rate for roll-overs only. No new money.
| Money Market |
APY |
| $2,500 - $4,999 |
0.10% |
| $5,000 - $9,999 |
0.15% |
| $10,000 + |
0.25% |
| IRA |
APY |
| Minimum $100 |
1.25% |
| Regular Shares |
APY |
| Minimum $100 |
0.10% |
| Christmas Club |
APY |
| Minimum $100 |
0.10% |
2012 Fee Schedule
| Share Draft/Checking Account Fees |
|
| Courtesy Pay |
$29.00 per item |
| NSF (non-sufficient funds) |
$29.00 per item |
| OD (overdraft) |
$29.00 per item |
| Stop Payment |
$29.00 per item |
| Lost or Damaged Star Replacement Card |
$15.00 per card |
| Lost or Damaged Debit Card Replacement |
$15.00 per card |
| Checkbook Reconciliation |
$18.00 per hour |
| Statement Reprint |
$5.00 per stmnt |
| Account Printout |
$3.00 per account |
| Photocopy of Check |
$5.00 per check |
| Printed Checks |
Varies (see catalogue) |
| Other Fees |
|
| Wire Transfer Fee |
$25.00 Outgoing
No fee for incoming |
| Research Fee |
$20.00 per hour |
| Excess Withdrawal Fee |
$3 per trans over limit |
| Loan Late Payment Fee |
$15 after grace period |
| Money Orders - Members |
$2.00 each |
| Money Orders - Non-Members |
$3.00 each |
| Cashier's Checks - Members |
$5.00 each |
| Casher's Checks - Non-Members |
$10.00 each |
| *Credit Union Check |
$3.00 each |
| Account Closure Fee (if closed within 180 days of opening) |
$15.00 per account |
| Non-Member Check Cashing Fee - Checks under $400 |
$5.00 per check |
| Non-Member Check Cashing Fee - Checks over $400 |
1.5% of check amount |
| **Savings Account Non-Activity Fee |
$12.00 per year |
*Members - 2 free credit union checks per visit per day. Non-Members 1 free credit union check per visit per day.
**Non-Activity = no account activity for 12 consecutive months. Accounts with active loans and/or checking accounts are exempt. Accounts linked with another or other active accounts are exempt.