Schedule of Fees & Charges

Effective as of December 1, 2021

Credit Union Membership Fee
Closure Fee (Account closed less than 1 year from open date) $15.00
Dormant Account Fee (After 12 months of inactivity) $5.00 per quarter
Lifetime Membership Fee $15.00 one-time fee
Non-Sufficient Funds Fees (NSF) Fee
NSF Item (ACH/Share Draft/Point of Sale/Bill Payment) $25.00 per item
Overdraft Fees Fee
Overdraft Transfer Protection from Shares $2.00 per transfer
Return Item Fees Fee
Returned Deposit or Loan Payment Per Item $25.00 per item
Stop Payment Fees Fee
CU Corporate Checks (requires signed and notarized affidavit of lost/stolen instrument) $25.00 per item
Share Draft Check/ACH $25.00 per item
Electronic Services Fees Fee
ATM Deposit Empty Envelope $25.00 per item
ATM Deposited Item Adjustment $10.00 per item
ATM Returned Deposited Item $25.00 per item
ATM Withdrawals after 4 per month $1.00 each
Domestic Wire Transfer Outgoing (Incoming FREE) $25.00 per transfer
Mastercard Debit Card/PIN Replacement $15.00 per card/PIN
Mastercard Debit Card/PIN Rush Order $50.00 per card request
Online Bill Payment  FREE
Other Fees Fee
Account Research/Reconcilement (1 hour minimum) $25.00 per hour
Copy of Paid Share Draft Check (FREE on Virtual Branch) $2.00 per item
Corporate Credit Union Check Request more than 1 per day $2.00 per item
Paper Statement Fees None
Gift Cards $3.50 per item
Levy/Garnishment Processing Fee $15.00
Share Draft Check Printing Fee Printer's charge
Statement Copy (FREE on Virtual Branch) $2.00 per page
Loan Fees Fee
Approved Skip-A-Pay/Extension Agreements $25.00 per loan
Guaranteed Auto Protection (GAP) $350.00
Home Equity Line of Credit Refinance Fee $250.00
Loan Payment Late 10 days or more the greater of $15. or 3% of the payment
Mechanical Repair Coverage (MRC) Quoted contingent on vehicle year, make & model
Levy/Garnishment Processing Fee $15.00
Share Draft Check Printing Fee Printer's charge
Real Estate Demand Request $50.00 per request
Real Estate Full Reconveyance Fee $350.00 per Request
VISA Credit Card Cash Advance – non HBCU card $15.00
VISA Credit Card/PIN Replacement $15.00 per card/PIN
VISA Late Payment Charge $10.00 per late pmt

The Board of Directors reserves the right to change fees from time to time. Notification of any such changes will be mailed to member’s address of record no less than thirty (30) days prior to implementation.