Product / Services & Fee Schedule

SAVINGS ACCOUNTS

Regular

        • $25.00 minimum balance
        • Free ATM Card
        • Unlimited counter transactions
        • 6 electronic transactions per month
        • Free Mobile Check Deposit

Christmas Club Savings

        • No minimum balance to open
        • Check mailed November 1st

CHECKING ACCOUNTS

Regular Checking

        • No Minimum Balance to open
        • Unlimited Transactions
        • Free Starter Checks Available immediately
        • Free Online Banking
        • Free Bill Pay w/E-Statements
        • Free E-Statements
        • Free Debit Card
        • Unlimited Free ATM Withdrawals at our locations
        • Free Mobile Money/Touch Banking
        • Savings Account Requirement:  $25.00
        • Service Charge $5/mo if the balance falls below $100.00 during current month
        • Free Mobile Check Deposit
          **55 years or older: NO Monthly Service Charge

Money Market Checking

        • $2500.00 minimum balance
        • 6 Withdrawals per month
        • Savings account requirement:  $25.00
        • $8.50 per month if balance falls below $2500.00

Business Checking

        • No Minimum balance required to open
        • Unlimited Transactions
        • Free Online Banking
        • Free Bill Pay w/ E-Statements
        • Free E-Statements
        • Free Debit Card
        • Free ATM Withdrawals at our locations
        • Free Mobile Money/Touch Banking
        • Free Mobile Check Deposit
        • No Monthly Service Fee
        • Savings Account Requirement: $25.00

YOUTH ACCOUNTS

Kirby Kangaroo Club Savings (Ages 0-12)

    • $5.00 minimum balance to open
    • Kirby Kangaroo website w/ fun and games

CU Succeed Savings & Checking (Ages 13 -22)

        • $25.00 minimum balance Savings
        • No minimum balance Checking
        • No monthly fee
        • Free Online Banking
        • Free Bill Pay w/E-Statements
        • Free ATM/Debit Card
        • Free ATM Withdrawals at our locations
        • Free Mobile Money/Touch Banking

LOANS

Offering some of the best interest rates around!

          • New & Used Vehicles
          • RV’s, Boats, Motorcycles
          • Signature/Debt Consolidation
          • Overdraft Protection
          • Share Secured/CD Secured
          • 1st and 2nd Mortgages
          • Payday Advances
          • 2% REFI Sale:  We’ll lower your current rate on vehicles financed elsewhere by 2%
            (Base rate 3%)

**Credit Disability and Credit Life Insurance available on most loans.

Individual Retirement Account (IRA)

  • Traditional
  • Roth
  • Educational
    Your credit union offers three types of IRA’s: Traditional, Roth, and Education. An IRA share account is a type of retirement plan that qualifies for special tax treatment. Under regular contribution limits, a member may contribute 100% of compensation up to an alloted amount in a traditional IRA. There is an annual feeof $25.00 and a $50.00 per withdrawal fee. Deposits are insured by one of the most stable deposit insurance agencies in the United States (NCUA).


Certificates of Deposit

    • 3 month to 36 month terms
    • $2000.00 minimum to open


Credit Cards

    • As low as 10.9% fixed
    • VISA
    • No Annual Fee


Other Services:

    • Cashier’s Checks, Money Orders, Wires
    • Mobile Capture, Touch Banking
    • Coin Counter

Services Offered:Applicable Fee:
Savings Account Fees
Below Par Fee$ 3.00
Dormant Account Fee$ 5.00 per month (only on balances less than $100.00 and inactive for one year)
Account Closure Fee$10.00 if closed within the first 30 days
Account Reopen Fee$15.00 if reopened within 1 month
IRA Maintenance Fee$25.00 per year
IRA Withdrawal Fee$50.00 each
Transfer FeeFirst six free – then $3.00 each
Return Item Fee$10.00
Value Checking Account Fees
Service Charge$5.00 per month (only if $99.00 minimum balance is not met)
24 Pre-printed Starter ChecksFree
Bill-PayWith e-statements FREE/$6.00 per month without
Stop Payment Fee$30.00 per item
NSF Fee (ACH included)$25.00 per item
Transfer Fee$ 3.00 per item (to pay NSF check or ACH)
Copy of Check Fee$ 5.00 per copy
Check Presented on Closed Acct$ 5.00 per item
Add’l Counter Checks (12 cks)$ 7.50 per packet
Courtesy Pay Fee$35.00 per item
Electronic e-statementsFree
Paper Statement Fee$5.00 per month
Business Checking Fees
Same services & fees as Value Checking
Money Market Checking Fees$2500.00 minimum to open
Service Charge$ 8.50 per month (if balance falls below $2500)
6 Free Withdrawals per month$ 3.00 for each after
Includes same services/fees as Value Checking
Debit/ATM Card Fees
ATM Withdrawal (at our machine)FREE
Monthly Service Feenone
Card Replacement Fee$ 7.50 per card
PIN Replacement Fee$ 3.00 per new PIN
Overdraft Fee$35.00 per item
Other Service Fees
International Wire Fee$50.00 each
Late Fee for Loan Payments$10.00 for 10-30 days delinquent
$20.00 for 31-60 days delinquent
$30.00 for 61-90+ days delinquent
Loan Documentation Fee$25.00 per loan request
Cashier’s Checks$ 5.00 each
Fax Fee$ 1.00 per page sent
Bank Wire FeeOutgoing: $20.00 each - Incoming: $5.00 each
Western Union Wire Fee$25.00 each
Account Reconciliation Fee$10.00 per hour (one hour minimum)
Account Research Fee$10.00 per hour
Money Order Fee$ 1.00 each
Fed Ex Overnight Delivery$60.00 each
Copies$ 0.10 per page
Loan Refinance Fee$25.00 (One-time $20.00 for PAL loans)
Return Mail Fee$ 5.00
Notary FeeFREE to members/$5.00 for non-members