Fee Schedule

Effective July 1, 2006

Checking Account Fees

Share Draft Orders                                           Based on Style Ordered

NSF Returned Unpaid                                      $18.00 per item

Courtesy Pay                                                    $18.00 per item

Share Draft Collection                                      $15.00 per item

Stop Payment                                                   $10.00 per item

Stop Payment Range                                        $15.00

Funds Transfer                                                  $ 1.00 per transfer

Copies of Drafts/Statements                          $ 3.00 per item

Account Reconciliation                                     $25.00 per hour

ATM Fees

Replacement Card                                           $ 5.00 each

ATM Use Fee                                                  $ 1.00 each after 4 free each month

Hot Carding                                                     $10.00 each

Overdraft Fee                                                   $18.00 each

Debit Card Fees

ATM Withdrawals                                            $ 1.00 each after 5 free each month

POS Transactions                                              Free

Overdraft Fee                                                   $18.00 each

ACH Fees

NSF Fee                                                           $18.00 per item

Courtesy Pay                                                    $18.00 per item

Stop Payment                                                   $12.00 each

Other Fees

Membership Fee                                              $ 1.00 (one-time fee)

Money Orders                                                  $ 1.00 each

Travelers Checks (1 Signature)                           No charge

Travelers Checks (2 Signature)                         $ 0.50 per $100

Gift Checks                                                       $ 2.50 each

Returned Item                                                   $18.00 per item

Dormant Item                                                    $ 7.00 (one-time fee)

Wire Transfers:

            Domestic                                              $33.00

            International                                          $40.00

Verification of Deposits                                     $ 5.00 each

Stop Payment on CU Check                             $ 8.25 each

Collection Item                                                 $20.00 each plus bank fee

Fax fees                                                           $ 0.25 per page, non-local $1.00 per page

Pay Off Demands                                             $30.00 each

Photocopy of CU Checks                                 $ 3.00 each