Share Accounts
Minimum Opening Deposit . . . $25.00
Minimum Balance to Earn the Stated APY . . . $100.00

Vacation Club Accounts
Minimum Opening Deposit . . . $10.00

Christmas Club Accounts
Minimum Opening Deposit . . . $10.00

Fee Schedule
Share Draft Account Fees
Overdraft Fee . . . $20.00/Item - If more than six (6) per month
NSF Fee . . . $20.00/Item
Returned Item Fee . . . $10.00/Item
Stop Payment Fee . . . $10.00/Request

Other Service Fees
Certified Checks . . . $10.00/Check
Money Order . . . $0.75/$1,000.00
Account Reconciliation . . . $15.00/Hour - $15.00 minimum charge
Account Research . . . $15.00/Hour - $15.00 minimum charge
Statement Copy Fee . . . $4.00/Copy
Account Activity Printout . . . $4.00/Printout
Deposited Item Return Fee . . . $10.00/Item
Legal Process Fee . . . $75.00/Item
Closed Account/Payroll Processing Fee . . . $10.00/Occurrence

EFT Fees
Card Replacement Fee . . . $10.00/Card
PIN Reissue Fee . . . $3.00/PIN
ACH Overdraft Fee . . . $20.00/Item - If more than six (6) per month
Debit Card Overdraft Fee . . . $20.00/Item - If more than six (6) per month

Share Value/Membership Fee
Par value of one share . . . $25.00
Membership Fee . . . $1.00