Schedule of Fees

Checks - First FiftyFree
Checks - Ask for current prices
Stop Payment$28
Overdraft - when no line of credit is available - including ACH$28
Overdraft Protection13.44% APR*
Copy of Cancelled Check$5
Account Reconcillation/Research (per hour)$30
Deposited Check Returned$28
Certified Check$6
Return Check Chargeup to $35
Replacement Card$6
Late Charge - first violation$25
Late Charge - second violation in 6 month cycle$35
MC Statement Copies - 12 months (per statement)$3
MC Statement Copies - 13 + months (per statement)$7
Cash Advance Fee - Non Emery MasterCard$25
Original CardNo Fee
Withdrawals - First 6 are free$1.25
Withdrawal - Insufficient funds$28
ATM Cash Back Limit (per day - higher limits available)$200
Re-issue of Lost, Stolen or Captured Card$6
Printed Acct Balance or History - per page$3
Money Orders$2
Cashier's Checks to 3rd party$5
Account Transfer Fee (when initiated by CU)$2
Wire Transfers - Domestic- incoming (each)$10
- outgoing (each)$20
Wire Transfers - International - incoming (each)$10
- outgoing (each)$40
Foreign Deposit (Canadian with U.S. ABA)$5
All other Foreign Deposits $19
First Mortgage Loans - Check with Loan Department for current fees
Second Mortgage Loans - Check with Loan Department for current fees
Auto Title and E-title Fee$25
Statement Copy$3
Tax Levy or Garnishment Against Account$30
CUBE (Home Banking)No Fee
Bill Pay (per month)No Fee
Checks cashed for non-members (per check)$8
Early Holiday Fund Withdrawal$10
Check by phone fee$5
Below $5 minimum balance fee in Regular Share$5
Account Closing (within six months of opening)$5
Member Notary ServiceNo Fee
Notary Service - Non-Member$2
Photocopy / per page$1
Re-mailing of Statements when not notified of address change$5
Late Loan Payment charge$25
Closing of IRA - not transfer$15
Account Verification$10
Loan Rate Amendment fee$25
Account Dormant 2 years - fee per month$5
Loan Extension per month extended$5
Negative Account Balance Fee$5
Home Equity apllication fee$125
General loan application feeup to $50
Mortgage Rate Amendment Fee$150
Mortgage Subordination$150
Visa Gift Cards$3.95
Debit Pass Cards$5
Paper Statement Fee$2
New account inactivity fee - 6 months from opening$5
Returned mail fee$2