Current Rates:

Auto Loans as low as	4.45% APR
VISA® Platinum Card	9.90% APR
Home Equity Loan as low as	5.69% APR
12-Month Share Certificates	1.35% APY

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Fee Schedule

Share Accounts effective 05/01/2009
Automatic Share Transfers to Cover Overdraft (per occurence)	$3.00
Insufficient Funds (NSF) Paid or returned unpaid Checks, Automatic Payments, Deposit Items	$25.00
Stop Payments (per item) Checks, Money Orders, Automatic Payments	$25.00
Check Copies - Counter Checks or Share Draft	$3.00
Statement Copy (Account/VISA®)	$5.00
Account/VISA® History	$5.00
Account Reconciliation (per 1/2 hour - 1/2 hour minimum)	$10.00
Closed Membership Fee (Open < 6 Months)	$5.00
Returned Check Orders (Each box) Returned Deposited Items (Self) Returned Deposited items (Third party)	$5.00 $25.00 $10.00

Safe Deposit Box Annual Fees
2 x 5 Safe Deposit Box	$15.00
3 x 5 Safe Deposit Box	$25.00
5 x 5 Safe Deposit Box	$30.00
3 x 10 Safe Deposit Box	$35.00
5 x 10 Safe Deposit Box	$50.00
7 x 10 Safe Deposit Box	$60.00
10 x 10 Safe Deposit Box	$70.00

VISA® Credit Card
Replacement Card	$5.00
Microfilm Statement Copy	$5.00
Over-the-Limit Fee (VISA®/LOC)	$15.00
Late Payment Fee (VISA®/Loan)	$15.00
Cash Advance Fee (based on full amount advanced)	2.00%
Foreign transaction Surcharge	$1.50

Other Charges Fees
Dormant Account (after 5 years)	$75.00
Legal Process Fee	$50.00
Notary/Signature Guarantee	$5.00
Document Research (per 1/2 hour - 1/2 hour minimum)	$10.00
Staff-Assisted Telephone Transactions	$2.00
Wire Transfer-Incoming Member Non-Members	N/C $10.00
Wire Transfer-Outgoing Domestic Overseas (actual charge plus.................)	$15.00 $10.00
Cashiers/Counter Check	$5.00
Money Orders	$2.00
Western Union (actual charge plus.................. )	$3.50
Returned Statements	$5.00
*Foreign Currency, order/return	$20.00
*Foreign Check/Collection Item	$25.00
Fax or Photocopy Service Charge	$3.00
Loan Refinance Fee	$100.00
Guaranteed Auto Protection (GAP)	$250.00

Debit/ATM Cards
Replacement Card	$5.00
Insufficient Funds	$25.00
ATM Withdrawal/Transfer: Other owned machines (> 8 per month)	$1.00 each

*Special Handling Fees charged in addition to processing fees.

All fees/charges are per each item unless otherwise specified.






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