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RATES AND FEES SCHEDULE
Please call the Credit Union to get up to date Dividend Rates and Certificate Rates at 704-868-0890.
Savings, IRA's, Christmas Club, Checking:
| Dividend Rate |
Please call for current rate |
| Dividends Compounded |
Quarterly |
| Dividends Credited |
Quarterly |
| Dividend Period |
Quarterly |
| Minimum Opening Deposit |
$15.00 |
A savings account must be opened with a minimum of $15.00 to be eligible for any other services.
Certificate Accounts:
| Dividend Rate |
Please call for current rate |
| Minimum Opening Deposit |
$1,000 |
| Dividends Compounded |
Quarterly |
| Dividend Credited |
Quarterly |
| Dividend Period |
Quarterly |
| Dividend Rate/Dividend APY |
Rate/APY |
Credit To Accounts For Members Deposits:
All deposits or transactions received before 4:00PM on any given business day will be credited as that day’s transaction.
Our business days are Monday through Friday 9:00am to 5:00pm, excluding holidays. Our Audio Response (LARS) is available 24 hours a day.
Fee Schedule:
| Savings Account |
Fees |
Primary and Dependent Savings
Accounts Excessive Withdrawl Fee |
$5.00 per withdrawal after Five (5) withdrawals per month |
| Christmas Club Early Withdrawl Fee |
Loss of all interest earned
$10 fee for withdrawal |
| IRA Early Closure Fee |
$25.00 to close account without a 30 day notice unless covered by normal restrictions |
| Share Draft Account |
Fees |
| Overdraft Fee |
$5.00 per item |
| NSF Fee |
$29.00 per item |
| Returned Item Fee |
$10.00 per item |
| Stop Payment Fee |
$25.00 per item |
| Checking Printing Fee |
Prices depend on style |
| Acct Reconciliation Fee |
$10.00 per hour |
| Researching Account Fee |
$2.00 per request |
| Telephone Balance Request Fee |
$2.00 per call |
| Computer Printout Before Statement Fee |
$5.00 per account |
| Copy of Check Fee |
$2.00 per copy |
| Other Service (Applicable to all accounts) |
Fees |
| Inactive Account |
$2.00 per month after 1 year |
| Replacement Debit Card |
$5.00 |
| Skip a Payment |
$20.00 / loan |
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