Savings & Shares

 Club Accounts

 Health Savings
Accounts


 Youth Accounts

     Banking Days

     Smart Kids

     Smart Teens

     Student Saver

     College Students

 Certificates

 IRAs

 Telephone Banking

 Deposit Rates

 Fee Schedule

 Money Markets

 Investments

Fee Schedule


Effective Date: 3/11/10

Services Fees

Banking Fees


24-Hour Teller Telephone Banking

no charge

American Express Gift Checks

$2.50

Bad Address Fee
(charge after first statement returned)

$4.00

Check Charge Fee

varies by style

Check Collection

$20.00

Check Copy Fee
if older than 12 months

$2.00
$5.00

Christmas Club withdrawal

$5.00

Coin Counting
(Minors & Non-Profits (Restrictions apply)

3% of total
no charge

Early Account Closure (w/in 30 days of opening)

$15.00

Emergency Checks

4 for $3.00

Escheat Fee

$50.00

Foreign Check Collection Plus Correspondent Fee

$20.00

Inactive Account Fee
(Account must be inactive for 6 months; members under 18 years exempt)

$5.00/mo

IRAs (opening/closing)

$25.00

Levies or Attachments Placed on Accounts

$25.00

Low Balance Fee for Draft Accounts
($100.00 min. balance)

$7.50

Low Balance Fee for Free Checking Accounts
(no min. balance)

no charge

Money Orders

$2.00

Official Check
*checks payable to account owner, IRS, real state taxes

$5.00
no charge

Online Banking - AlternaNet

no charge

Online Bill-Paying - AlternaPay

no charge

Overdraft Fee (per item)

$23.00

Reconciliation & Research (per hour)

$20.00

Returned Deposited Items

$20.00

Safe Deposit Forced Drilling

based on cost

Safe Deposit Key Replacement

$15.00

Safe Deposit Rental Fee
(varies by size)

$25 to $100

Share Transfer Fee

$5.00

Statement Copy

$2.00

Stop Payment

$20.00

Travelers Checks
1 signature per $100.00- first $500.00 free

$1.00

Travelers Checks
2 signature per $100.00- first $500.00 free

$1.50

Wire Transfer Outgoing - US

$20.00

Wire Transfer Outgoing - International

$30.00

Western Union

min $20.00

ATM, AlternaCheck & HSA Debit Card Fees


ATMs & PIN-Based Transactions*
HRCU & Co-Op ATMs
All other ATMs
(*Surcharge may be imposed by other financial institutions)

Point of Sale (POS)


no charge
$1.50 ea.



no charge

Card Replacement Charge
Emergency Overnight Fee

$5.00
$30.00

Chargeback

$12.00-$30.00

Copy of Sales Draft

$5.00

Pass Through Fee from VISA - VISA charges a fee for transactions conducted outside the US. Please be aware that this fee will be passed on to the member.


Stop Payment Fee

$30.00

Health Savings Account Fees


Debit Card Fees

(See Debit Card section)

Low Balance Fee ($500 min balance)

$3.00

Opening / Closing Account

$25.00

Premier Business Account Fees


ACH Origination/Payroll Svcs. (per payroll period)
1-9 Employees
10-15 Employees
16+ Employees


$10.00
$15.00
$20.00

Coin Orders (per roll)

$0.05

Currency Orders (per strap)

$1.00

Disposable, Tamper-Resistant Plastic Deposit Bags - Small
2” x 12” - box of 500
2” x 12” - single bags (minimum: 25 bags)



$100.00
$0.20

Disposable Tamper-Resistant Plastic Deposit Bags - Medium
12” x 16” - box of 500
12” x 16” - single bags (minimum: 25 bags)



$155.00
$0.30

Disposable Tamper-Resistant Plastic Deposit Bags - Large
15” x 20” - box of 250
15” x 20” - single bags (minimum: 25 bags)



$100.00
$0.40

Low Balance Fee for Draft Accounts
Premier Business Checking (no min. balance)
unlimited transactions

Additional Checking Accounts ($500 min. balance)
unlimited transactions


no charge


$10.00

Overdraft Fee (per item)

$23.00

Reconciliation & Research (per hour)

$20.00

Returned Deposited Items

$20.00



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