Share Account Fees

Holiday Club... Early Withdrawl

$10.00 per withdrawal

Vacation Club... Excess Withdrawal

$10.00 per withdrawal if more than one (1) withdrawal per month.

Share Savings... Below Minimum

$1.00 per month after first full month if minimum balance is not maintained

Insured Money Market... Excess Fee

$10.00 per withdrawal if more than three (3) withdrawals per month

Insured Money Market... Balance Below Minimum

$15.00 per month if minimum balance is not maintained.  No dividends earned while below minimum

Insured Money Market... Withdrawal/Checks

$10.00 per withdrawal if less than $500.00 per withdrawal/check

Returned Check

$20.00 per check

Checking Account Fees

Official Check Payable to Third Party fee

$1.00 per check

Stop Payment Fee

$20.00 per request in person

Stop Payment Fee through Member Telephone Service (MTS) or Internet Online Banking

$5.00 per request

Certified Check

$2.00 per check

Uncollected Funds

$13.00 per item

Insufficient Funds

$20.00 per item

Starter Checks

$5.00 for 12 checks, .50 per check

Microfilm Copy

$5.00 per item, $10.00 per faxed item

Overdraft Protection (Share Savings)

$5.00 per transfer

Courtesy Pay

$20 per item

High Yield Checking

$20 per month if minimum balance is not maintained

Deluxe Business Checking

$15.00 Per Month

Deluxe Business Checking

$.20 per item, over the 75 free checks per month

Other Service Fees(applicable to all accounts)

Early Account Closure

$20.00 per account (Accounts opened less than 6 months)

Account Reconciliation/Research Fee

$10.00 per quarter hour, minimum 1/2 hour

Statement Copy Fee

$5.00 per statement

Wire Transfer - Domestic (outgoing fee)

$10.00 per transfer

Wire Transfer - Foreign (outgoing fee)

$30.00 per transfer

Notary Fee

$2.00 to non-members

Money Order

$1.25 each, maximum $1,000

Traveler's Check Fee

$1.00 per $100

Telephone/Fax Transfer Fee (other than MTS)

$5.00 per transfer, minimum of $50.00 transferred

Deposited Check Return

$5.00 per Item

Additional Replacement ATM Card

$5.00 per card

Check Withdrawal to Third Party Fee

$1.00 per check

American Express Gift Cheques Fee

$2.50 per check

American Express Gift Card Fee

$5.00 per card

Teller Check Stop Payment

$10.00 per check

Teller Check Photocopy

$2.00 per check

Levies, Restraining Orders

$25.00 each occurrence

Fax Copy Fee

$10.00 per copy

Electronic Funds Transfer Fees

ATM Withdrawals, Transfers, Inquiries, Rejects
(Other than SFCU Owned)

First seven (7) transactions per month are FREE, $1.00 per transaction in excess of seven (7)

ATM overdraft withdrawals from Checking which invoke Overdraft Protection from Share Savings

$5.00 per transfer/withdrawal

ATM Foreign Cardholders Surcharge

$1.50 per transaction

Bill Pay Non-Sufficient Funds

$20.00 per  item

Bill Pay Stop Payment

$15.00

Bill Pay Check Copy

$4.00

Returned ACH Item

$20.00 per item

Collection Item (From another financial institution)

$25.00 on all over $50.00 (Taken from check amount items - under $50.00 not processed)

Dormant Account (Shares with no other accounts over 12 months no activity)

$5.00 per month (Shares with no other accounts)

Late Loan Fee

$15.00 late fee will be assessed on all loans that are 30 days delinquent or more than one payment cycle delinquent

$5.00 value. Must be maintained at all times.

The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Effective Date indicated on this Rate and Fee Schedule.  If you have any questions or require current rate and fee information on your accouns, please contact the credit union.     CUNA Mutual Group, 1993, 2001, 2005