Fee Schedule



Effective as of 6/1/2015
Share Savings and Checking Account Fees
Replacement VISA Check Card $10.00
VISA Check Card PIN Reminder $5.00
VISA Check Card Savings Use Fee $1.50 / item
VISA Check Card Dispute Items $15.00 ea.
Copy of Credit Union Check $5.00
Copy of Member Check (free if pulled online) $3.00
Copy of Statement (ANY month, free if pulled online) $5.00 for ANY month
Paper Statement Fee (waived if under age 18 or over age 62) $1.50 per statement
Stop Payment Request (Credit Union Checks) $20.00
Stop Payment Order (Member Check or ACH) $20.00
Stop Payment on Reoccurring POS Withdrawals $35.00
Online Bill Payment - if inactive for 3 months or more $5.00 each month
Return Deposit Item $25.00 per Item
Overdraft Item Fee
(Above for paid or returned items from non-sufficient/uncollected funds)
$32.00
Overdraft Transfer Fee
(Above fee applies per item covered via internal account transfer)
$10.00 per Item
Courtesy Pay (overdraft item paid) $30.00 per Item
Courtesy Pay Mini (for items causing overdraft less than $25.00) $16.00 per Item
NOTE: Courtesy Pay Fees only apply to eligible Premium Checking account holders. All overdrafts outside the Courtesy Program limits and overdrafts on non-eligible Premium Checking and Basic Checking accounts subject to standard Overdraft Item Fee. Ask for more details and how to become eligible for Courtesy Pay.
Third Party Checks (Credit Union check) $3.00 ea.
Member Checks (in excess of one per day) $3.00 per Check
Close Savings Account (within 90 days of opening) $10.00
Close Checking Account (within 90 days of opening) $25.00
"Basic Savings" Reg. D Fee - Excessive third party transfers of electronic withdrawals according to Federal Regulations - Reg. D $15.00 ea.

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Premium Account Fees
For Premium Savings and Premium Checking accounts a Service fee will be imposed each month if the average daily balance of all deposit accounts falls below $1,000. This does not apply to members under the age of 21 or over 62.
$8.00
Basic Account Fee
If balance falls below $300.00 at any point during the month then a service fee is charged once a month.
$3.00

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Checks and Checkbook Charges
All checks and checkbook charges will be paid by the member. Since styles and prices may change without notice, please contact a member service representative for current selections and prices. Mini books available at branch free of charge, ask for details.

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Money Market Accounts
Minimum Balance Fee (If balance falls below $2000.) $10.00
Money Market Reg. D Fee
Excessive third party transfers or electronic withdrawals according to the federal Regulations-Reg. D.
$15.00

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Business Accounts
Service Fee covers up to 30 deposited items and 50 withdrawal transactions per month. The service fee may be increased if the activity exceeds these limits. $12.00 per month

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Individual Retirement Accounts
Third Party Transfer/Rollover $30.00
Health Savings Transfer/Close Out Fee
No other service fees or annual fees apply for IRAs.
$30.00

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Club Accounts
Holiday Club Early Withdrawal Fee (waived Nov/Dec) $15.00 ea.
Vacation Club (2 withdrawals free per calendar year) $15.00 ea.

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Save to Win! Savings Program
There is a one year term associated with the Save to Win Qualifying Certificate Account. Any withdrawals made prior to maturity and outside of the 10 day grace window are subject to an Early Withdrawal Penalty. Subsequent withdrawals will affect your ability to participate in the program.

*Click here for the Official Account and Prize Entry Rules.

$25.00 each withdrawal

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Miscellaneous Fees
Research Work/Account Reconciliation (1-hour Minimum) $25.00 per hour
Levies $50.00
Inactivity Fee (after 18 months of inactivity) $5.00 per month
Return mail due to bad address $3.00 each
Foreign Deposit Item Collection Fee $10.00 ea. check
Non-Branch Currency Deposit $10.00 ea. Deposit
Non-Member Transaction Fee for check cashing $10.00 ea. Check
Wire Transfer Outgoing Domestic $25.00
Wire Transfer Outgoing Foreign $35.00
Wire Transfer Incoming $8.00
Next Day Electronic Transfer $5.00
Coin Processing/Handling Fee for Large Coin Deposit, over $100.00. No charge for coin deposits to WesKids or WesTeen Accounts or Minor Accounts. 3%

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Internet Banking/Bill Pay
Report Lost/Stolen Card
ATM Locations
Rates
Type APR*
Anything Goes Loan5.99%
10 Year Fixed Home Equity3.99%
New Auto up to 60 months2.49%
Type APY**
Save to Win! 0.35%
36 month Certificate0.753%
48 month certificate1.005%
* APR may vary month to month based on the Prime Rate. All rates disclosed are dependent on your credit rating. Other rates and terms may apply, please contact the credit union for details.
** APY as high as amount shown. APY=Annual Percentage Yield. Rates subject to change.