Bylaw requirements:

You must complete payment of one share in your Share Savings account as a condition of admission to membership.

Transaction limitation - We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. (This disclosure further explains the dividend feature of your non-term share account(s).)

National Credit Union Share Insurance Fund - Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Stop payment requests $25

The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: share draft, in- person withdrawal, ATM withdrawal, or other electronic means.

Insufficient funds/overdraft charge $25

Deposited checks (and other items) returned unpaid $5

Automatic Clearing House returned or paid item $25

Share savings                                                  excessive transactions charge

(over six withdrawals per quarter) $1 each

Money Market                                                  excessive transactions charge

(over three withdrawals per month) $5 each

Copy of check $2

Telephone transfers $1

Business by mail                                                                                No Charge

Direct deposits                                                                                   No Charge

Combined statements                                                                       No Charge

Automatic transfers $1


Balance inquire                                                                                  No Charge

Labor                                                                       $25 per hour; minimum $25

Additional statements $2 each

Address research $25

Return mail fee                                                                               $5 per month

Dormant Account $25


VISA Card (if applicable)                                                         $10 one-time fee

VISA Card replacement fee $10

VISA Check Card replacement fee $5

Treasurer checks $2 each

Incoming wire transfers $5

Outgoing wire transfers $10

Incoming collection items $5

Outgoing collection items $5

Notary Public                                                                                       No Charge

Automatic drafts                                                                                  No Charge

‘Money Orders $2 each

Photo copies                                              First five free/add’l copies 25c each

Faxes Instate $3

Out of State $5

Additional Pages 50 each      

Safe deposit boxes

Key deposit $15 fee

Boxes                                                                         Rent based on box size

Temporary checks

Starter kit of 10                                                                               No Charge

Additional checks 25 each

Day-N-Night Teller                                                                              No Charge

Youth Account Available