|
Annual
Fee Disclosure
March 1, 2007 |
|
Loan
Related Fees |
| Consumer
Loan Application Fee |
none |
| Non-Member
Consumer Loan
Application Fee |
$25.00 |
| Re-Application
Fee (90 Days Same
Loan Type) |
$50.00 |
| Car Title
Processing |
$40.00 |
| Boat Title
Processing Fee |
$25.00 |
| Non-Perfected
Car Title Fee |
$25.00 |
| Loan
Extension |
$25.00 |
| Late
Fee-Loan |
5% of
Payment Due |
| Blue Book
Quote (One Free Per
Year) |
$5.00 |
| VISA
Classic Annual Fee |
Waived |
| VISA Gold
Annual Fee |
Waived |
| VISA Platinum Annual Fee |
Waived |
| VISA Late
Fee |
5% of
Payment Due |
| VISA Over
Limit Fee (Per
Month) |
$25.00 |
| VISA
Receipt Copies |
$20.00 |
| VISA Travel
& Entertainment
Receipts Copies |
$32.00 |
| Real Estate
Loan Application Fee |
None |
| Non-Member
Real Estate Loan
Application Fee |
$25.00 |
| Real Estate
Credit Report |
$15.00 |
| Real Estate
Reconveyance |
$50.00 |
| Real Estate
Substitution of
Trustee |
$50.00 |
| Appraisal |
Varies |
| Flood Certification Fee |
$14.00 |
| Escrow |
Varies |
| Title Policy |
Varies |
| Recording Fees |
Varies |
| Conforming
(External) Real
Estate Origination
Fee |
1% of Loan
Amount |
| Impound
Account Maintenance
Fee |
$75.00 |
| Document Fee |
$65.00 |
| Course of
Construction Voucher
Fee |
1%-2% of
Loan Amount |
| Construction
Loan Extension 1st |
$500.00 |
| Construction
Loan Extension 2nd |
$750.00 |
| Construction
Loan Extension 3rd |
$1000.00 |
| Short
Term Loan Processing
(<60 Days) |
1%
$100 Min |
| GAP Insurance |
$201.00 - $231.00 |
| Skip a payment |
$30.00 |
|
Teller
Related Fees |
| *Cashiers
Checks |
$3.00 |
| Coin
Deposit/Exchange
(Loose) |
Unaccepted |
| Coin
Deposit/Exchange
(Rolled) |
Free |
| Collection
Item Fee - Incoming |
$15.00 |
| Collection
Item Fee - Outgoing |
$15.00 |
| *Money
Orders (Each) |
$1.00 |
| Night
Depository Key
(Refundable) |
$10.00 |
| Receipt
Processing - Mail
Out (Non-Merchant) |
$1.00 |
| Returned
Deposit Item |
$15.00 |
| Returned
Deposit Item -
Merchant Account |
$10.00 |
| Returned
Deposit Item (Loan
Payment/Same Maker) |
$25.00 |
| Returned
Deposit Item -
Redeposit |
$5.00 |
| Safe
Deposit Box Forcible
Entry Fee |
Current
Rate |
| Safe
Deposit Box Key
(Refundable) |
$10.00 |
| Safe
Deposit Box Rental
(Annually) |
$15-$100 |
| Teller
Reconciliation Fee |
$2.00 |
| Teller
Transaction Fee |
None |
| *Travelers
Checks (per $100) |
$1.00 |
| VISA Cash
Advance Fees
(Foreign) |
2% of
Amount |
| Wire
Transfers - Incoming |
$10.00 |
| Wire
Transfers - Outgoing
Domestic |
$20.00 |
Wire
Transfers - Outgoing
International
(Plus Any
Third-Party Wire
Fees) |
$50.00 |
| Wire Transfers-Incoming International |
$10.00 |
|
Member
Service Related Fees |
| ATM
Transaction Fee
(Cumorah/Co-Op) |
Free |
| ATM
Transaction Fee -
Foreign (First 5
Free/Mo) |
$1.00 |
| ATM Deposit
Adjustment |
$5.00 |
| Attachment/Levy
Fee |
$25.00 |
| Check Copy
(Research Extra) |
$2.00 |
Checking
Account Service
Charge
(Savings Balance
Above $250) |
None |
*Checking
Account Service
Charge
(Savings Balance
Below $250) |
$10.00 |
*Checking
Account Monthly Fee
(for accounts less than $500 AVG balance) |
$10.00 |
Closed
Account Fee
(Opened Less Than 6
Months) |
$25.00 |
| Counter
Checks (First 10
Free) |
$5.00 |
| Check Order |
Varies With
Style |
| Check Order
- Emergency/Rush |
Express
Delivery Charge |
| IRA Closure |
$25.00 |
| IRA Early
Withdrawal |
$20.00 |
| Manually
Posted Item From
Exception Report
(Per Item) |
$5.00 |
| Membership
Fee |
None |
| Merchant
Checking Accounts
(12 Cents Per Check)
Minimum |
$10.00 |
| Non-Sufficient
Fund Fee (Drafts,
ACH, ATM, VISA
Debit) |
$25.00 |
| Plastic
Card PIN Replacement |
$2.00 |
| Plastic
Card Replacement
(Lost or Damaged) |
$5.00 |
| Return Mail
Fee (Non-Dormant) |
$5.00 |
| Stop
Payment or ACH
Revoke |
$25.00 |
| Stop
Payment
(Teller/Cashier
Checks After 90
Days) |
$30.00 |
| Courtesy Pay Fee |
$25.00 |
| Courtesy Pay Fee/After 5 Days |
$2.00 Per Day |
|
Other
Fees |
| Current
Month Account
History Print Out
(Per Month) |
$5.00 |
| Dormant
Account (Per Month) |
$5.00 |
| Mailing Fee
(Certified Mail) |
$5.00 |
| Notary
Public (Members) |
$5.00/Waived |
| Notary
Public (Non-Members) |
$5.00 |
| Photo
Copies (Per Page) |
$1.00 |
| Research
(Per Hour/Min One
Hour) |
$25.00 |
| SMART Web
BillPay |
Free |
| SMART
Online Transaction |
Free |
| SMART
System Transaction |
Free |
| SMART Web
Transaction |
Free |
| Statement
Copy |
$5.00 |
| Ticket
Service Charge for
Event Tickets |
$1.00 |
| Fax |
$2.00 |
| Mail Title to Member |
$2.00 |
Savings
Products
