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
IRA, Coverdell or HSA Account Closure* $10 *if within 1 year 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 Application Fee $30
Loan Skip-A-Payment $30

Temporary Lien Fee $10

for all collateral titled in Tennessee

Real Estate Loan Fees:
Mortgage Loan Application Fee $375 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 min $5-max $30

if payment is over 10 days late

Real Estate Loan Late Fee 5% of payment min $5-max $75 if 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

Paper Statement Fee Effective 11/1/16



no minimum balance, e-statements required.   

Fee applies if online e-statement election not completed

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
FP NSF (Force Post, non-sufficient funds) $35
Courtesy Pay Per Item $35
Sharedraft Fees:
Stop Payment Request $25
Returned Deposit Item $20
Third Party Teller Check or Cashier Check $2
Money Orders $0.75
Copy of Share Draft*, Official Check, Cashier's Check, or Money Order
$5 per item
via fax
*copy of share draft still free through Home Banking
Automatic Transfers* FREE
Wires - U.S. - outgoing $15
Wires - Int’l - outgoing $50
Receiving Wire Transfer FREE
Incorrect Address Fee $5 upon receiving returned mail
Reconcile Account $20 per hour fee
Research Fee $10 per hour fee if mistake is not Credit Union's
Monthly Statement FREE additional copes are $1 each
Interim Statement $1

per copy fee if you request info on drafts or deposits between previous & upcoming statement

Additional or Replacement ATM/Debit Card $8 Effective August 1, 2016
Replacement PIN $2
Foreign ATM Usage Fee $1 Per transaction
Counter Checks 1st 4 Free*; $1 each additional *4 free with new acct provided deposit is made and check order placed at time of opening; thereafter, one free w/check order
Dormant Fee $5 after 12 mos with no activity; charged annually until no funds remain
Other Service Fees/Charges:
Check By Phone $5
Check by Web $1
VISA Gift Card $3 Non-reloadable
VISA TravelMoney Card $6 Reloadable (add'l fees apply)
VISA EMV TravelMoney Card $8 Reloadable (add'l fees apply)



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Most Recent Newsletter
June 2016

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