Current Fees (April 2024)
Membership and Savings Accounts
| Membership Fee (one-time) |
$25 |
| Minimum balance | $5 |
| Monthly fee | none |
| Inactive account fee (after 2 years of inactivity) | $15/month |
General Services
| ATM or ATM/debit card (replacement of lost card) | $10 |
| ATM card urgent delivery via FedEx (domestic US only) | $50 |
| PIN retrieval urgent delivery via FedEx (domestic US only) | $50 |
| ATM Card Usage fee (Withdrawals) | $2 |
| Box of checks (fees vary based on design features) | starts at $17 |
| Monthly cash transactions > $25,000 | 0.1% |
| Cashiers check | $7.50 |
| Image/Reprint of paid or deposited check | $5 |
| ITIN application | $70 |
| Money order | $1.50 |
| Notary services | $2 |
| Online and text banking | free |
| Printout of account history | $2 |
| Reprint of official statements (account or loan) | $7 |
| Return of ACH item or check | $25 |
| Returned mail / Bad address (monthly fee posted until updated) | $2/month |
| Stop payment on a check or money order | $25 |
| Wire transfer, incoming | free |
| Wire transfer, outgoing, domestic | $30 |
| Wire transfer, outgoing, international | $50 |
| Wire transfer, amendment / recall | $20 |
Checking Accounts
| Personal Regular Checking Account | |
| Monthly fee if balance falls below fixed min of $800 | $6 |
| Each ATM withdrawal over monthly limit of 4 | $2 |
| Youth Checking Account | |
| No monthly fee | |
| Each ATM withdrawal over monthly limit of 4 | $2 |
| Business Simple Checking Account | |
| Monthly Fee if balance falls below fixed min of $2,500 | $10 |
| No ATM or Debit card | |
| Business Regular Checking Account | |
| Monthly fee if balance falls below fixed min of $5,000 | $20 |
| Each ATM withdrawal over monthly limit of 4 | $2 |
Loan Fees
| Secured and Unsecured Loan & Credit Card Application fee per applicant or co-signer |
$25 |
| Small Business Loan | |
| Application fee: loan less than $15,000 | $50 |
| Application fee: loan above $15,000 | $100 |
| Origination fee | 1.00% |
| Real Estate Loan | |
| Credit check fee per applicant or co-signer | $50 |
| Application fee (due at commitment) | $300 |
| Underwriting fee (due at commitment), commercial only | $500 |
| Origination fee, housing (due at closing) | 0.50% |
| Origination fee, commercial (due at closing) | 0.75% |
| Flood certification fee | $25 |
| Subordination of mortgage | $250 |
| Post-closing modification to match competitor rate | $250 |
| Assignment of Mortgage (CEMA), housing | $1,000 |
| Assignment of Mortgage (CEMA), commercial | $2,000 |
