Account Service Fees


Minimum Account Balance$5.00 (membership stake)
Account Closure$5.00 within the first 6 months
Non-Sufficient Funds$25.00   
Overdraft Protection*$25.00   
Certified Check Stop Payment$25.00 plus tax
Draft/ACH Stop Payment$25.00 plus tax
Bill Pay Stop Payment$25.00 plus tax
Check copy$3.00 plus tax (free through online banking)


Monthly FeeNONE
Transaction Fees10 free/$1.00 each after
Temporary CardFree – new checking
Temporary Card$10.00
Replacement Card$10.00
Point of Sale TransactionsFREE
Privilege Pay Fee*$25.00   
Empty Envelope Deposit (ATM)$25.00

Deposited Check Returns

Written by Member$25.00
Written to Member from Other$25.00
Fraudulent Deposits$25.00

Domestic Wires



ACH Inquiry Fee$2.00
Certified Check$2.00
Member Check To Teller Check$25.00
Statement Copy$1.00 per month
ShredFree – 2 boxes per month
Account Research$35.00 per hour
Incorrect Address $5.00 per month
Inactive/Low Balance** $10.00
Notary ServiceFREE
Signature GuaranteeFREE (Members only)
Check CashingMembers/Non-Members(17 and under exempt)Less than $100.00 – Free
$100 – $500.00 – $5.00
More than $500.00 – 1% of the check amount
Maximum of $20.00
Garnishments/Levies$25.00 or legal limit
Child Support Levies$10.00 or legal limit
Phone Transfers$2.00
Phone Balance Inquiries$2.00
Phone Pending ACH Inquiries$2.00
AffinityLine Voice BankingFREE
Online BankingFREE
 Bill PayFREE
Affinity MobileFREE
Mobile Check DepositFREE

Safe Deposit Boxes

3 x 5$25.00
3 x 10$40.00
5 x 10$60.00
10 x 10$100.00
Key Replacement$25.00
Drill BoxBilling Cost


Onyx/Platinum MasterCard®No Annual Fee
Share SecuredNo Annual Fee
Balance TransfersFREE
Late PaymentsUp to $10.00  
Returned PaymentsUp to $25.00
Cash Advances$1.00 each at ATM
Foreign Transaction1% of transaction in U.S. dollars

Electronic Loan Payments

Credit/Debit Card Payment Convenience Fee

Loan Payment Amount:
Less than $300.00$10.00
$300.01 to $500.00$15.00
$500.01 to $700.00$20.00
More than $700.00$30.00

Certain fees may be adjusted due to pandemic related service and access issues.

*The fee is imposed for overdrafts created by checks, in-person withdrawals, or by other electronic means.

**Fee will not apply to members under the age of 18. A monthly fee will be assessed on memberships with no activity for 90 days and less than a $100 account balance. This fee will not be applied to memberships with an active loan or credit card.

The maximum benefit for privilege pay is $500.00, including the fees. Each item paid by privilege pay will be charged a fee of $25.00.* If the privilege pay limit has been exhausted, any items attempting to clear the account will be returned as insufficient. In addition, if a loan is delinquent, privilege pay will be suspended until the loan is brought current. Whether overdrafts will be paid is discretionary and the credit union reserves the right not to pay. For example, overdrafts with a not in good standing account, as well as accounts with irregular deposits or too many overdrafts, will not be paid. 30 days are available to bring the account to a positive balance, failure to do so, will result in privilege pay being suspended until the account is brought to a positive balance.