Member Service Fees as of August 1, 2017 


Member Service Fees
Checking
Dividend (Share Draft) Checking Monthly Fee Debit Only Checking Monthly Fee
$1.00
$2.00
Check Printing (through Clarke American)Prices vary
NSF Fee (non-sufficient funds)*
 Items returned$25.00 each
 Items paid by CCU (at our discretion)$25.00 each
Items presented for Collection$10.00/item
Account History (between statements)$5.00
Stop Payment issued by you
(No charge for stop payment of lost or stolen blank checks)
$15.00/item
Check (draft) Photocopy$1.00/copy
Research Time (reconciling statements, etc.)$20.00/hour
 
Other Member Service Fees
ATM Activity Processing Fee
(Surcharges by ATM owners may apply.)
 Cash withdrawal - first five free, in excess of five$1.00 each
 Cash withdrawal conducted at non-PULSE terminals$1.00 each
Certified Checks$10 each
Corporate Checks$3.00 each
FAX
 Outgoing 1st page$2.00
 Each additional outgoing page$0.50
 Incoming$.50/page
 Foreign 1st page$10.00
 Each additional foreign page$1.00
Foreign Check Processing
 Drawn on U.S.$1.00/each
 Drawn on Foreign institutionVaries by country
Live Telephone Operator Requests
 Funds Transfer (each)$1.00
 Draft (or other debit) Clearing (per item inquiry)$1.00
 Account Balance Information (per balance provided)$1.00
Mailed Receipts for Telephone Transfers$2.00 each
Money Orders
 Personal ($1,000.00 maximum amount each)$1.50 each
Notary ServiceNo charge
Photocopies$.20
Research Time (reconciling statements, etc.)$20.00/hour
Returned Check Fee$5.00/item
Legal Processing (plus charges by others)$20.00
Returned Mail$7.50/item
Statement Reprint$5.00/ month
Zipper Bag$2.00 each
Lock Bag$12.00 each
Teller-Phone Audio ResponseNo charge
Online Account AccessNo charge
VISA Travel Money Card$6.00 each
VISA Gift Card$3.00 each
Two or more re-openings of a membership share$20.00 per re-opening
Auto-Pay Restart$10.00 per re-start
Wire Transfers
 Outgoing$15.00
 Incoming$10.00
 International$100.00
 Western Union (outgoing only)$40.00
Non-recurring ACH Origination$5.00 each
International ACH$10.00
Inactive Account Fee$2.00 per month
Bill PayerFREE
 Bill Pay NSF Fee*$20.00 per item
Card Replacement (between renewals)
 MasterCard$10.00
 Expedited MasterCard$30.00
 VISA$10.00
 Expedited VISA$45.00
ATM/Debit Card PIN
 ReminderNo Charge
 
 
Safe Deposit Boxes
3" x 5"$12.00 per year
3" x 10"$24.00 per year
5" x 10"$30.00 per year
10" x 10"$45.00 per year
Replacement Lock$50.00
Replacement Lock with Drilling$150.00
 
*NSF and transfer fee imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means.



A $5.00 share (deposit) in an account at Co-op Credit Union is necessary to maintain membership. 
General Account Disclosure* Member accounts in this credit union are federally-insured by the National Credit Union Share Insurance Fund. 
 
Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. 
 
Dividend Calculation Method. Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in your account each day. 
 
Rate Information. See the RATES page for current earnings on all accounts listed.  Rates are subject to change at the discretion of Co-op Credit Union on a calendar quarterly basis on Share Savings, Special Savings, and Dividend Share Draft Checking accounts; on a calendar monthly basis on Super Share Savings and Share IRA accounts, and on a daily basis on Money Fund Checking accounts.  Certificate rates are subject to change. 
 
Annual Percentage Yield.  The APY expresses the total annual return on an account, assuming dividends are left in the account and compounded throughout the year.  A withdrawal or transfer will reduce earnings 
 
Accrual of Dividends.  Dividends will begin to accrue on the business day you deposit cash or non-cash items. 
 
Charges/Penalties/Conditions. A $5.00 Return Check (or draft) fee applies to all accounts.  Other fees and charges listed under FEES may affect these accounts.  There may be tax penalties for improper withdrawals from IRA accounts. 
 
*Dividend and minimum balance information does not apply to FREE checking, which is a non-dividend-earning account, and does not require a minimum balance, except for the $5.00 share in an account to maintain membership. 
 
Important Information About Procedures for Opening An Account 
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. 
 
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. 
 
Dividend Checking, Free Checking, Money Market Account Disclosure 
Dividend Compounding and Crediting 
Dividend Checking. Dividends will be compounded and paid to the account quarterly.  The beginning date of the first dividend period of the year is January 1 and the ending date of such dividend period is March 31. The dividends are paid after close of business on the last day of the dividend period. All other dividend periods follow this same pattern of dates. 
 
FREE Checking. This is not a dividend earning account. 
 
Money Market Account.  Dividends will be compounded and paid to the account monthly.  The beginning date of the first dividend period of the year is January 1 and the ending date of such dividend period is January 31.  The dividends are paid after close of business on the last day of the dividend period. All other dividend periods follow this same pattern of dates. 
 
Minimum Balance Requirements 
Dividend Checking - $20.00 daily minimum balance to earn dividends. 
FREE Checking - No minimum balance requirement. 
Money Market Account - $2,500.00 minimum to open, and $2,500.00 minimum balance to earn the disclosed APY and dividend rate.  If the account falls below $2,500.00, the current Share Savings APY and dividend rate will be paid. 
 
Reward Checking Disclosure 
includes ATM Fee Refunds Nationwide*! 
See brochure here 
 
Reward Rate:   
2.00% APY (Annual Percentage Yield) on your balance up to/including $25,000.  
 
.25% APY on your balance over $25,000. 
 
Base Rate:  0.05% APY if requirements are not met. 
 
To qualify for Reward Rates, the following conditions are required: 
  • Make a minimum of 12 debit card purchases per monthly qualification cycle with your CCU Debit Card.  A Monthly qualification cycle is defined as the last day of one month through the day preceding the last day of the next month (for example:  December 31st - January 30th).  Debit card purchases must post and clear your account during each monthly qualification cycle.
  • Receive your monthly statement electronically.  
  • Arrange a (one or more) continuous monthly automatic debit or direct deposit to post and clear your Reward Checking account during each monthly qualification cycle.
  • Access your account online at least once per monthly qualification cycle.
  • *Refunds of ATM fees (charged to this checking account only) up to $20 per cycle if requirements are met.) 
     
    Check Printing Prices 
    Dividend Checking and FREE Checking - Prices vary depending on style.   First 50 checks (drafts) are free for new accounts. 
     
    Money Market Account - Free of charge.  Check style at CCU's discretion. 
     
    Share Savings, Special Savings, Super Share Savings, Share IRA 
    Dividend Compounding and Crediting 
    Share Savings and Special Savings - Dividends will be compounded and paid to the account quarterly.  The beginning date of the first dividend period is January 1 and the ending date of such dividend period is March 31.  The dividends are paid after close of business on the last day of the dividend period. All other dividend periods follow this same pattern of dates. 
     
    Super Share and Share IRA - Dividends will be compounded and paid to the account monthly.  The beginning date of the first dividend period of the year is January 1 and the ending date of such dividend period is January 31.  The dividends are paid after close of business on the last day of the dividend period.  All other dividend periods follow this same pattern of dates. 
     
    Minimum Balance Requirements.  
    The minimum daily balance to earn dividends is $20.00.  The minimum balance to open a Super Share Savings account is $1,000.  The Super Share Savings account pays different annual percentage yields for different balance levels.  If the Super Share balance falls below $1,000, the current Share Savings rate will be paid.  See RATES page. 
     
    Transaction Limitations. 
    Federal Regulation D allows a maximum of six non-in-person transfers from each savings account to another account or third party per month. Savings accounts include any CCU savings, additional savings or Money Market Account. Transfers include those made online, on mobile, through our telephone banking system or call center and ACH transfers. All IRA accounts may be subject to withdrawal penalties according to IRA rules. 
     
    Share Certificates, IRA Certificates, Youth Saver Certificates 
    Dividend Compounding and Crediting 
    For six-month certificates, dividends will be compounded and credited to the account semi-annually.  The beginning date of the first dividend period is on the date the account was opened, and the ending date is on the stated maturity date, unless renewed.   For all other certificate maturities, dividends will be compounded and paid to the account quarterly and at maturity.  The beginning date of the first dividend period of the year is January 1 and the ending date of such dividend period is March 31.  The dividends are paid by crediting to the account on the last day of the dividend period. All other quarterly dividend periods follow this same pattern of dates. 
     
    Minimum Balance Requirements 
    The minimum balance required to open a certificate is $1,000.00.  The Youth Saver Certificate, available only to members under the age of 18, requires a $500.00 minimum balance. 
     
    Renewal Policy 
    A certificate carries a ten-day grace period following its maturity date, in which you may do what you wish with the balance.  If we do not hear from you during this period, your certificate will automatically renew for the same term at the dividend rate on the date of maturity. 
     
    Transaction Limitations 
    After the account is opened, you may not make deposits into the account until the maturity date listed on the certificate. 
     
    Early Withdrawal Penalties 
    The penalty for withdrawing any of the funds in a six or twelve month certificate before the maturity date is loss of 90 days' interest at the certificate rate.  Early withdrawal from all other certificates results in 180 days' interest penalty at the certificate rate.  (Early withdrawal of funds from an IRA certificate may also be subject to tax penalties.) 
     
    Additional Disclosures 
    Account Agreement Brochure 
    Electronic Funds Transfer (EFT) Disclosure 
    Funds Availability Disclosure 
     
     
     
     
     


    NCUA
    DISCLAIMER: This business is not responsible for and has no control over the subject matter, content, information, or graphics when viewing links attached to this website.