Member Fees

Below you will find a complete list of our various fees and their descriptions.

Fee Type Fee Description
New Member Fee $5 upon joining
Account Closure* $20 *if within 30 days of opening
Re-open Membership* $10 *if re-opened within 1 year
Withdrawal Fees:
Regular Savings $5 each over 2 per month
Christmas Club $10 each over 1 per calendar year
Vacation Club $10 each

over 1 per calendar year

Loan Processing Fees:

Loan Advance $30 per loan advance processed and application submitted
Loan Skip-A-Payment $30


Flood Zone $25 certification fee
Temporary Lien Fee $10

for all collateral titled in Tennessee

Real Estate Loan Fees:
1st & 2nd Mortgage Fee $300 Residential fixed dwelling
1st & 2nd Mortgage Fee $350 Investment property, land, and mobile homes
Home Equity $250 Less than $25,000
Home Equity $500 Loans $25,000-$50,000
Loan Late Fees 5% of payment-$5.00 min.

if loan payment is over 10 days late

Blue Ribbon Checking Fees: (Account for those 65 and older)
Monthly Fee $0 *if balance drops below
$50 minimum, $4.00 monthly fee will be charged
Comfort Checking Fees:
Monthly Fee $6 with $50 minimum balance
Monthly Fee $10 if balance drops below
$50 minimum
Carefree Checking Fee:
Monthly Fee $0 no minimum balance
Choice Checking Fee:
Monthly Fee $10 if balance drops below
$100 minimum
Elite High-Yield Checking Fee:
Monthly Fee $10 if balance drops below $25,000.00 minimum
Free Elite checks, stop payments, check copies, cashier's checks, money orders, and travelers checks.
Sharedraft Fees: Non-Sufficient Funds - Each Item
RTN NSF (Returned, non-sufficient funds) $35 Beginning 2-1-14
FP NSF (Force Post, non-sufficient funds) $35
Member Privilege Per Item $35
Sharedraft Fees:
Stop Payment Request $25 Beginning 2-1-14
Returned Deposit Item $20
Third Party Teller Check $2
Money Orders $0.75 Beginning 2-1-14
Copy of Share Draft*, Official Check, Cashier's Check, or Money Order
via fax

*Copy of share draft still free through Home Banking

Automatic Transfers* FREE
Wires - U.S. $15 per wire fee, beginning 2-1-14
Wires - Int’l $50 per wire fee, beginning 2-1-14
Receiving Wire Transfer FREE Beginning 2-1-14
Incorrect Address Fee $5 upon receiving returned mail
Reconcile Account $20 per hour fee
Research Fee $10 per hour fee if mistake is not the Credit Union’s
Monthly Statement FREE additional copies are $1 each
Interim Statement $1 per copy fee if you request info on drafts or deposits between previous and upcoming statement
Counter Checks 1st 4 Free*; $1 each additional *4 Free with new acct, provided check order placed at time of opening, thereafter one free w/check order
Monthly Service Charges:
Dormant Fee $5 12 mo. w/o activity - annual charge until zeroed out
Other Service Fees/Charges:
Check By Phone $5 Beginning 2-1-14
Check by Web $1



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Phone us at 615.382.8255

(Remote Automated Teller Service)

Submit Loan Payment Online

Most Recent Newsletter
  December 2013

Your savings federally insured to at least
$250,000.00 and backed by full faith and
credit of the United States government.
National Credit Union Administration, 
a U.S. Government Agency.

We do business in accordance with
the Federal Fair Housing Law and the
Equal Credit Opportunity Act