Account Fees & Charges

Below you will find a list and description of fees and charges that may be incurred on accounts.

  • New Member Fee:   $5.00 – upon joining
  • Account Closure:  $20.00 – if within 30 days of opening
  • IRA, Coverdell or HSA Account Closure:  $10.00 – if within 30 days of opening
  • Re-Open Membership:  $10.00 – if reopened within 1 year of closure

WITHDRAWAL FEES:

  • Regular Savings:  $5.00 each withdrawal over 2 per month
  • Christmas Club:  $10.00 each withdrawal over 1 per calendar year
  • Vacation Club:  $10.00 each over 1 per calendar year

LOAN PROCESSING FEES:

  • Loan Application Fee:  $30.00
  • Loan Skip-A-Payment:  $30.00
  • Temporary Lien Fee:  $10.00  for all collateral titled in Tennessee

REAL ESTATE LOAN FEES:

  • Mortgage Loan Application Fee:  $400.00 (residential fixed dwelling)
  • Appraisal Fee:  Credit Union Cost
  • Attorney Fees:  Credit Union Cost
  • State Recording Fee:  Applied using state calculation
  • Flood Zone:  Credit Union cost

LOAN LATE FEES:

  • Consumer Loan Late Fee:  5% of payment amount if payment is over 10 days late; minimum $5.00 – maximum $30.00
  • Real Estate Loan Late Fee:  5% of payment amount if payment is over 10 days late; minimum $5.00 – maximum $75.00

BLUE RIBBON CHECKING FEE:

  • Monthly Fee:  $0.00 – If balance drops below minimum $50.00 balance requirement, monthly fee is $4.00

CAREFREE CHECKING FEE:

  • Monthly Fee:  $0.00 – No minimum balance, e-statement enrollment required.  Minimum opening deposit required is $50.00

CHOICE CHECKING FEE:

  • Monthly Fee:   $0.00 – If balance drops below minimum $100.00 balance requirement, monthly fee is $10.00

ELITE HIGH-YIELD CHECKING FEE:

  • Monthly Fee:  $15.00 – If balance drops below minimum $25,000.00 balance requirement
  • Excess Withdrawal Fee:  $15.00 – per withdrawal over 6 per month
  • Free Elite checks, stop payments, check copies, cashier’s checks and money orders

COMFORT CHECKING:
Existing accounts are still serviced; however, this account is no longer offered.

  • Monthly Fee:  $6.00 – If balance drops below $50.00 minimum balance requirement, monthly fee is $10.00.

SHAREDRAFT (CHECKING) FEES:  NON-SUFFICIENT FUNDS – PER ITEM:

  • RTN NSF (returned, non-sufficient funds):  $35.00
  • FP NSF (force-posted, non-sufficient funds):  $35.00
  • Courtesy Pay – Per Item:  $35.00

SHAREDRAFT (CHECKING) FEES:

  • Stop Payment Request:  $25.00
  • Returned Deposit Item:  $20.00
  • Third Party Teller Check or Cashier’s Check:  $2.00
  • Money Orders:  $0.75
  • Copy of Sharedraft (check)*, Official Check, Cashier’s Check or Money Order:  $5.00  via fax; (*copies of share draft free through FLEXTeller Online Banking)
  • Automatic Transfers:  FREE
  • Wire Transfer – Outgoing – U.S.:  $15.00
  • Wire Transfer – Outgoing – International:  $50.00
  • Wire Transfer – Receiving – FREE
  • Incorrect Address /Returned Mail Fee:  $5.00 upon receiving returned mail
  • Reconcile Account:  $20.00 per hour
  • Research Fee:  $10.00 per hour; charged if mistake is found not to be Credit Union’s
  • Monthly Statement:  Free; additional copies $1.00 each
  • Interim Statement:  $1.00 per copy if you request information on drafts/checks or deposits between statement dates
  • Additional or Replacement ATM/Debit Card:  $8.00
  • Replacement PIN:  $2.00
  • Foreign ATM Fee:  $1.00 per transaction
  • Counter Checks:  First 4 free; $1.00 each additional sheet of 4 (4 free with new account provided deposit is made and check order placed at time of account opening; thereafter, one sheet of 4 free with check order)
  • Dormant Account Fee:  $5.00 – charged after 12 consecutive months with no activity; charged annually until no funds remain.

OTHER SERVICE FEES /CHARGES:

  • Check By Phone:  $5.00
  • Check by Web (online check submission):  $1.00
  • VISA Gift Card:  $3.00 – non-reloadable
  • VISA TravelMoney Card:  $6.00 –  reloadable; additional fees apply
  • VISA EMV TravelMoney Card:  $8.00 – reloadable; additional fees apply