Fee Schedule
Effective October 7, 2025 — The following fees may be assessed against your account. Fees not listed here are disclosed in the applicable account agreement.
| Savings Account Fees | |
|---|---|
| Regular Savings Withdrawal | $5.00 per withdrawal if more than six (6) withdrawals per month |
| Special Savings Withdrawal | $5.00 per withdrawal if more than six (6) withdrawals per month |
| Share Draft Account Fees | |
| Overdraft Line of Credit Transfer | $25.00 per transfer |
| Overdraft Transfer from Share Account | $5.00 per transfer |
| Line of Credit Transfer – Non ODX | $20.00 per transfer |
| ACH Overdraft / NSF (1) | Up to $30.00 per item |
| Stop Payment | $25.00 per item |
| Share Draft Printing | Prices vary depending on style. |
| Copy of Share Draft | $2.00 per item |
| NSF Fee on Deposited Item | $20.00 |
| TWCU & CO-OP ATM Withdrawal | Free |
| Other ATM Withdrawal & Transaction Processing Fees | $3.00 |
| Safe Deposit Boxes (Yearly Fees) | |
| 3 x 5 | $20.00 |
| 3 x 10 | $30.00 |
| 5 x 10 | $40.00 |
| 10 x 10 | $60.00 |
| Other Services Fees (Applicable to All Accounts) | |
| ACH Origination (Incoming, Outgoing & Recurring) |
$3.00 |
| Electronic Statements with Online Banking Enrollment | Free |
| Account Closed | $10.00 before 6 months from opening date |
| Club Account Closed | $10.00 closing or per withdrawal prior to payout date November 1st |
| Account Reconciliation | $15.00 per hour |
| Statement Copy | $1.00 per page |
| Paper Statement Fee |
$2.00/month for Share Draft $2.00/quarter for Accounts with only Shares |
| Dormant Account | $5.00 per month after 12 consecutive months of no activity. Fee begins on the 13th month. |
| Wire Transfer |
$20.00 per outgoing transfer $10.00 per incoming transfer |
| Address Return Collection Fee | $2.00 per item |
| Returned / Unpaid Deposit Item(s) (2) | $30.00 per item |
| Items Sent for Collection | $20.00 |
| 3rd Party Account / Deposit Verification | $1.00 per request |
| Check Cashing Fee | $5.00 per item (Waived with a $100 minimum share balance or other account relationship.) |
| Credit Union Check (3rd Party Payee) |
$3.00 per item |
| Cashier's Check | $5.00 per item |
| Garnishment Processing | $50.00 |
| Levy Processing | $50.00 |
| Share Value | |
| Par Value of One Share | $25.00 |
TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES
Except as specifically described, the following disclosures apply to all the account. All accounts described in this Truth-in-Savings Disclosure are share accounts.
- Rate information: The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual Yield are the rates and yield as of the last dividend declaration date which is set forth in the Rate Schedule.
- Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
- Dividend Compounding and Crediting: The compounding and crediting frequency of dividends and dividend period applicable to each account are stated in the Rate Schedule. The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Accrual of Dividends: For all account, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Balance Information: To open any account you must deposit or already have on deposit at least par value of one full share in any account. The par value amount is stated in the Fee Schedule. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For all accounts using a Daily Balance method, dividends are calculated by applying a daily periodic rate to the principal in the account each day.
- Account Limitations: For Regular Share, Special Savings, Christmas Savings and IRA Regular Savings accounts, no more that six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third part in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account my be subject to a fee or be closed. For Share Draft accounts, no account limitations apply.
- Fees for Overdrawing Accounts. Fees may be imposed on each check, draft, item, ATM card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the fee schedule for current fee information.