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Schedule of Fees & Charges

Effective April 9, 2019
Share Par Value $5.00

Service Fees SmartPoints
Membership Fee* $5.00  
Statement Fee** $1.99  
Share Draft Minimum to Open $25.00  
Return Item Fee $30.00 600 only 2/year
Overdraft Fee per item*** $30.00 600 only 2/year
Mbr Fee Return Dep Item If Acct at Another FI $30.00  
Return Deposit Item (Any Item) $15.00  
Stop Payment per Item Online $15.00  
Stop Payment per Item in Person $30.00  
Pay by Phone/Credit Card $15.00  
ACH Stop Payment Fee $30.00  
ACH Return Origination $30.00 600 only 2/year
Account Research Per Hour $25.00  
VISA Debit Card Transaction Fee - No Activity for the past 90 days
$10.00

 
ATM Card Fee - One Time Upon Opening $10.00  
ATM Card Fee - No Activity for the past 90 days $10.00  
Replacement/Lost Debit/ATM Card (1x Free) $10.00  
Photocopies Per Paid Card Transaction $20.00  
ATM Transaction Fee (proprietary) Free  
ATM Transaction Fee (Non CO-OP Member) $1.50  
Rush Check/Debit Card Order $35.00  
Rush ATM Card Order $35.00  
Gift Card Fee $5.00  
Online Customized Gift Card Varies  
Coin Counting (Member) Free  
Coin Counting (Non-Member) 10% of amount counted  
Notary Public Free  
Garnishments, Execution or Levies Interrogatories $75.00  
Outgoing Collection Fee $15.00  
History Printout $5.00 per page  
Statement Copies $5.00 per statement  
Non-Active Member Check Cashing Fee $15.00 each  
Non-Member Check Cashing Fee Fee will be equivalent to the change amount of the check (e.g. Check = $18.35, Non-Member Check Cashing Fee = $0.35)  
Loan Change in Terms Fee $50.00  
Loan Processing $50.00  
Existing Loan Refinance $100.00  
Streamline Mortgage Loan $499.00  
Skip-a-Payment Fee by Member Service Advisor $50.00  
Skip-a-Payment Fee by Member $25.00  
Return Mail $25.00  
Dormant Account Monthly $25.00  
Inactive Account Monthly $25.00  
Account Closed within 90 days $25.00  
Service Fees SmartPoints
Incoming Wire Transfer $5.00  
Outgoing Wire Transfer $30.00  
Outgoing Wire Transfer - International $55.00  
Western Union Outgoing $25.00  
Member Request to Fax Copy $5.00  
Overnight Mail Fee $40.00  
Member Share Draft Copy $5.00 each  
Photocopy of CU Official Check $5.00  
CU Check to 3rd Party $5.00 each 100
CU Check to Govt. Agencies $5.00  
Stop Payment of CU Official Check $25.00  
International Drafts Varies  
International Cash Letter ***** $25.00  
International Collection Items Varies  
Interest Share Draft - If balance falls below $500 $5.00/month  
DBA Organizational - If balance falls below $500 $10.00/month  
Share/Money Market Transaction Limitations - During any calendar month, you may not make more than six (6) withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, or by telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If you exceed these limitations, your account may be subject to closure by the Credit Union.
Money Market - If balance falls below $2,500.00 $10.00/month  
Stale Dated CU Check Fee Lesser of $25.00 or Balance of Check  
Loan Late Fee Varies  
Second Chance Share Draft Fees SmartPoints
With Direct Deposit $10.00/month  
Without Direct Deposit $15.00/month  
Bill Payment Fees SmartPoints
No B/P Transactions $5.95/month  
1 or more B/P Transactions Free  
Temporary Check Fee Fees SmartPoints
Per Page $2.00  
Safe Deposit Boxes (Cheyenne Only) Fees SmartPoints
3x10x21 Per Year $35.00 500
5x10x21 Per Year $45.00 800
10x10x21 Per Year $65.00 1200
One Lost Key $10.00 200
Key Lost - Drill Box Varies  

*Upon opening a Share account, the member will be required to deposit $10.00, with $5.00 to be retained by the Credit Union as a Membership fee. $5.00 remains a Share Par Value in the account and belongs to the owner after 90 days.

**Effective February 1, 2014. Statement fee will be charged monthly for account not electing eStatements. Members younger than 18 or older than 55 will not be charged.

***Overdraft Protection Program/Courtesy Pay: To qualify members must not be delinquent on any loans. Members who do not have a Direct Deposit through ACH or Payroll Posting/Deduction will be assigned a Courtesy Pay amount of $250.00. Members who have a Direct Deposit through ACH or Payroll Posting/Deduction will be assigned a Courtesy Pay amount of $500.00 if their Direct Deposit is $.01 to $500.00. If a member's Direct Deposit is $500.01 and up, they will be assigned a Courtesy Pay amount of $1,000.00. Full disclosure available upon request.

***The Credit Union gives provisional credit for the check; the minimum amount that the Credit Union can accept for the item is $50.00.

****For Fixed Rate Loans: A late charge of 5% of the payment or $25.00, whichever is greater, will be assessed on the 10th day past due. This fee will be deducted from the payment. For Variable Rate Loans: A late fee charge of 5% of the payment or $25.00, whichever is greater, will be assessed on the 10th day past due. This fee will be added to the payment.