| NetTeller (Online Banking) | FREE | 
		
			| MobileTeller (Mobile Banking) | FREE | 
		
			| PhoneTeller (Telephone Banking) | FREE | 
		
			| Online Bill Pay | FREE | 
		
			| Bill Pay Inactivity Fee (inactive for 3 months) | $7.00 per month | 
		
			| Overdraft Fee - may be imposed in connection with checks, in person withdrawals, ATM withdrawals, or by other electronic means. | $28.00 | 
		
			| Insufficient Check Charge | $28.00 | 
		
			| Check Order Charge | $17.00 - $45.00 | 
		
			| Club Early Withdrawal Fee | $10.00 per withdrawal | 
		
			| Account Closure Fee (closed within 90 days) | $25.00 per account | 
		
			| Check Cashing Fee | 5% | 
		
			| Wire Transfer Fee-Incoming or Outgoing | $12.00 each | 
		
			| Foreign Wire Transfer Fee-Incoming or Outgoing | $40.00 each | 
		
			| Research and Balancing | $15.00 per hour | 
		
			| Account Print Out | $1.00 per page | 
		
			| Copy of Statement | $5.00 per statement | 
		
			| Stop Payment Request | $28.00 | 
		
			| Copy of Check Request | $1.50 each | 
		
			| Money Order Service Charge | $5.00 each | 
		
			| Return Mail Fee | $3.00 | 
		
			| Return Deposit Item | $3.00 | 
		
			| Return Check Fee | $28.00 | 
		
			| ATM inquiries | $0.85 | 
		
			| ATM withdrawals at other institutions | 4 free, then $0.85 each | 
		
			| ATM withdrawals with a foreign card | $3.00 | 
		
			| VISA Late Fee | $25.00 | 
		
			| VISA International Fees | 1% of transaction | 
		
			| Business Account Service Charge | $12.00-$20.00 monthly | 
		
			| Loan Late Charge (min.=$5,max.=$100) | 5% of payment | 
		
			| Debit/Credit Card Replacement | $5.00 | 
		
			| Inactivity Fee (defined as no activity for 6 months on any single share) | $5.00 per month | 
		
			| Dormancy Fee (defined as no activity for 24 months with balances <$1,000) | $5.00 per month | 
		
			| Subpoena/Levy/Garnishment | $35.00 each | 
		
			| Second Chance Checking Monthly Service Charge | $10.00 | 
		
			| Copy/Fax Fee | $1.00 per page | 
		
			| Credit Union Check or Official Check | 
		
			| Payable to member | No Charge | 
		
			| Payable to someone else | $5.00 | 
		
			| Check Reissue/Merchant Check Replacement | $5.00 | 
		
			| Gift Cards | 
		
			| VISA Gift Card | $5.00 | 
		
			| Reloadable Debit Card | $5.00 | 
		
			| Safe Deposit Boxes | 
		
			| 5x5 | $25.00 annually | 
		
			| 3x10 | $30.00 annually | 
		
			| 5x10 | $50.00 annually | 
		
			| 10x10 | $100.00 annually | 
		
			| Fee to drill safe deposit box | Actual Cost / approx. $175 | 
		
			| Fee replacement for safe deposit box key | Actual Cost / approx. $20 | 
		
			| Loan Products | 
		
			| Mobile Home Title Application Fee | $20.00 | 
		
			| Title Application Fee | $17.00 | 
		
			| Mortgage Loan Application Fee | $350.00 | 
		
			| UCC form | $20.00 | 
		
			| Gap Insurance | $320.00 | 
		
			| Carfax | $25.00 | 
		
			| Mobile Home Value Assessment | $20.00 | 
		
			| Tractor/Farm Equipment Assessment | $20.00 |