Rate & Fee Schedule
Effective June 1, 2025
Share and Draft Charges
| Non-Sufficient Funds (NSF) Item | $30.00 |
| Courtesy Pay (Overdraft) Item Paid | $30.00 |
| Stop Payment | $25.00 |
| Draft/Check Copy | $3.00 |
| Cashier’s Check | $3.00 |
| Merchant Check Exchange | $20.00 |
| Returned Deposit/Payment (if check was written by member) | $30.00 |
| Closed Account (within 90 days) | $5.00 |
| Collection Item (including foreign item deposits) | $50.00 |
| Canadian Check Deposit (non-collection item) | $10.00 |
| Additional Statement Copy (per statement) | $3.00 |
| Check Printing | Varies by Style |
| Inactive Account (1 year no activity) | $5.00 / month |
| Non-Member Check Cashing (per check) | $5.00 |
Debit Card Charges
| Visa Debit Card | No Annual Fee |
| Rush Card | $50.00 |
| Visa Foreign Transaction | 1.00% |
Miscellaneous Charges
| Loan Extention/Skip-A-Payment | $25.00 |
| Returned ACH Origination | $30.00 |
| Telephone Payment | $10.00 |
| Recurring Online Payment/Transfer (SWIVEL Pay) | Free |
| One-Time Online Payment/Transfer (SWIVEL Pay) | $5.00 |
| Returned Online Loan Payment/Transfer (SWIVEL Pay) | $30.00 |
| Outgoing Wire Transfer (Domestic) | $25.00 |
| Outgoing Wire Transfer (International) | $55.00 |
| Loan Payment Late Charge (assessed after 15 days) | $15.00 |
| Home Equity Subordination | $100.00 |
| Money Order | $2.00 |
| Visa Gift Card | $4.00 |
| Levy/Garnishment | $75.00 |
| Account Research/Reconciliation (per hour) | $30.00 |