Account Service Fees

Savings/Checking

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   
Teller Check Stop Payment$25.00 plus tax
Draft/ACH Stop Payment$25.00 plus tax
Bill Pay Stop Payment$25.00 plus tax
Copy of Check$3.00 plus tax (free through online banking)
Share Draft AccountsSee disclosures

ATM/Debit

Monthly FeeNONE
Balance Inquiries$1.00
Transaction Fees10 free/$1.00 each after
Temporary CardFree
Replacement Card$5.00
Point of Sale TransactionsFREE
Overdraft Protection*$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

Incoming$6.00
Outgoing$20.00
International$45.00

Miscellaneous

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 Accounts** $10.00
Notary ServiceFREE
Signature GuaranteeFREE (Members only)
Check CashingMembers/Non-Members(17 and under exempt)$0 – $99.99 – Free
$100 – $500.00 – $5.00
Over $500.00 – 1% of the check amount
Maximum of $20.00
Garnishments/Levies$25.00
Child Support Levies$10.00
Phone Transfers $1.00
AffinityLine Voice ResponseFREE
Online BankingFREE
 Bill PayFREE
Affinity MobileFREE
Mobile DepositFREE

Account To Account Transfers

IncomingFREE
Outgoing$2.00

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

MasterCard®

Onyx/Platinum MasterCard®No Annual Fee
Share SecuredNo Annual Fee
Balance TransfersFREE
Late PaymentsUp to $10.00  
Returned PaymentsUp to $20.00
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:
$0-$99.99$3.60
$100 – $199.99$6.20
$200 – $299.99$8.80
$300 – $399.99$11.40
$400 – $499.99$14.00
$500 – $599.99$16.60
$600 – $699.99$19.20
$700 – $799.99 $21.80
$800 – $899.99$24.40
$900 – $999.99 $27.00
$1000 – $1000.99 $29.60

*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, credit card or safe deposit box. Effective June 1, 2019.

The maximum benefit for privilege pay is $500, 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.