Effective September 1, 2007

Savings Account Fees

Regular Shares

Withdrawals, more than five (5) per month

$5.00 each

Account closure, if closed within 90 days of last closing

$20.00

Automated Transfers, if more than five (5) per month

$5.00 each

All Season, Investor’s Choice, Investor’s Choice Plus

Withdrawals, more than five (5) per month

$5.00 each

Automated transfers, more than five (5) per month

$5.00 each

Checking Account Fees

Non-sufficient Funds

$25.00 per item

Deposited Item Return
1 free, each calendar year for aggregate sub accounts

$25.00 per item

Stop Payment

$25.00 per item

Check Printing

Varies by style

Certified Check

$5.00 per check

Check Copy

$3.00 per copy

Account History
By mail, phone, in lobby

$5.00 per history

Bill Payer Fees

Stop Payment

$25.00 per item

Online Banking and bill payment through Quicken ® Software*

$5.00 per month

Bill Payments, if more than twelve (12) per month

$0.75 per bill

Other Fees (applicable to all accounts)

Account Reconciliation

$20.00 per ½ hour

Account Research

$20.00 per ½ hour

Legal Process

$20.00 per ½ hour

Statement Copy

$5.00 per copy

Deposited Item Return
1 free, each calendar year for aggregate sub accounts

$25.00 per item

VISA Payment Return

$25.00 per item

Check Copy

$3.00 per copy

Wire Transfer (domestic outgoing)

$20.00 per transfer

Wire Transfer (outside USA outgoing)

$35.00 per transfer

Address Correction form (USPS)

$2.00 per form

Dormant Account (as of the 19th month)

$1.00 per month

Escheat Charge

$25.00

Official Check payable to third party

$7.50 per check

Term Account Fees & Penalties

The early withdrawal penalty for all certificates is the greater of $25.00 or 1) 30 days dividends, earned or not, for certificates with terms of up to 180 days;  2) 90 days dividends, earned or not, for certificates with terms of 181 days or more.

Direct Transfer or Rollover of IRA out of CU

$10.00

Debit Card Fee Schedule

ATM withdrawals after eight (8) per month

$1.50 per withdrawal

Replacement Card

$7.50 per card

Non-sufficient funds

$25.00 per item

Lost/Forgotten PIN

$5.00 per instance

Return Check

$25.00 per item

Cardholder Deposit (wrong amount ) error

$5.00 per instance

Other Deposit Discrepancy

$25.00 per instance

Improper Endorsement

$5.00 per item

Transfer or Balance Inquiry at ATM

$1.50 per inquiry

Point of Sale Transactions from Regular Shares

If more than three (3) per month
(Does not apply to checking accounts)

$5.00 per transaction

Pre-authorized Electronic Funds Transfer Fees

Non-sufficient Funds

$25.00 per item

Stop Payment

$25.00 per item

* Quicken Financial Software is a registered trademark and service of Intuit, Inc.