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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 $20.00(effective 7/1/14)

A savings account must be opened with a minimum of $20.00 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
CD Early Closure Fee $25 plus interest earned

Share Draft Account Fees
Overdraft Transfer Fee $5.00 per item
NSF Fee $29.00 per item
Returned Item Fee $15.00 per item(effective 7/1/14)
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 $5.00 per month after 1 year
Replacement Debit Card $5.00
Skip a Payment $20.00 / loan
Loan Late Fee $15.00 / month after
10-day grace period(effective 7/1/14)
Wire Transfer Fee $15 per transfer
Cashiers Check $2.00
Express Mail - Next Day $30.00
Returned Mail/Statement $5.00 / month
Garnishment/tax levy $20.00

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If your VISA debit or credit card has been lost or stolen, please report it immediately to: 800-500-1044

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency.