Fee Schedule

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Savings Accounts
NSF Returned Check	$25.00 per item
Redeposit Second Party Returned Item	$10.00 per item
Below minimum balance after 36 months	$.50 per month
Abandoned Account Research Fee	$5.00 per 3 months
Dormant Account Fee	$10.00 per 3 months

Checking Accounts
NSF Returned Check	$25.00 per item
Redeposit Returned Item	$10.00 per item
Overdraft Transfer	$3.00 per item
Stop Payment	$10.00 per item
Multiple Stop Pays	up to $50.00 per day
Copy of Check	$2.00 per item
Check Printing Fee	Varies according to style

Miscellaneous Fees
Extra copy of Statement	$1.00 per month
Outgoing domestic wire	$20.00 per item
Outgoing Foreign wire	$52.00 per item
Account Reconciliation	$10.00 per hour
Money Order Fee	$1.00 per item
Certified Check in Member's name	1 Free Daily
Certified Check - Other	$2.00 each
Club Account Early Withdrawal/Closure	$15.00
Telephone Teller/Account Access/Direct Deposit	Free
Visa Credit Card and Debit Card Reissue	1st time free - thereafter $10.00 each
Foreign Item Processing Fee	varies per item

Bill Payment Fees
Unlimited transactions monthly	Free if used at least once every 90 days
Stop Payment Fee	$20.00

Debit Card Fees
Deposit to a Share System© ATM	Free
Balance Inquiry	$1.00 each
NSF Fee	$25.00 per item
Foreign Transaction Fee	1% of transaction

A Rate & Fee Schedule is available upon request.

**Please note that all rates and dividends are subject to change without notice.