Fee Schedule
(effective 11/15/11)

Savings (Share) Fees
Share Savings
Minimum balance		$25.00
Monthly maintenance fee		$0.00
Early close of Share Account (within 90 days of account openings)		$20.00
Excessive Reg. D withdrawals		$30.00
EFTs paid against insufficient funds		$25.00
Returned EFTs		$30.00
Returned deposits (deposited checks and EFTs originated by CCUNM)		$15.00
Stop payment request on EFTs		$15.00
Returned mail (account statement)		$2.50
Returned mail (other correspondence)		$1.00
Inactive account (per month on all accounts without activity for 6 or more months; does not include Share Certificates)		$5.00
Special Purpose Savings
Minimum balance		$0.00
4 withdrawals/year		FREE
Additional withdrawals		$10.00
Club Savings
Minimum balance		$0.00
Early withdrawal		$10.00
IRA Savings
Minimum balance		$0.00
Setup fee		$5.00
Annual maintenance fee		$10.00
Share Certificates
Minimum balance		$500.00
Early withdrawal (penalty charged whether or not dividends are earned)		90 day div. penalty

Checking (Share Draft) Fees
Minimum balance	$0.00
Monthly maintenance fee (Personal Account) (you can avoid this fee by signing up for eStatements)	$3.00
Monthly maintenance fee (Business Account)	$10.00
Overdraft transfer	$3.00
Stop payment (single request)	$15.00
Stop payment (series)	$25.00
Items paid against non-sufficient funds	$25.00
Returned drafts/EFTs	$30.00
Check printing (fee depends on style and quantity of check ordered)	fee varies
Billpayer Checking The following fees apply only to our optional Billpayer service and transactions authorized through the service.
Minimum balance	$300.00
Monthly maintenance fee (charged if minimum balance is not met)	$4.95
Transactions per month	unlimited
Transaction fee	$0.00
Stop payment on payment request	$15.00
Stop payment on series of payment requests	$25.00

ATM/VISA Debit Fees
Signature purchases	FREE
PIN-based purchases	FREE
ATM balance inquiry	FREE
ATM withdrawals*	$1.00
Courtesy Overdraft Fee (restrictions apply; please contact us to participate)	$25.00
Replacement card/PIN	$5.00
Rush order for card/PIN	$50.00
*this fee is in addition to any surcharge imposed by the ATM owner/operator for using their machine.

Service Fees
Official Check	$4.00
Money Order	$2.00
Notary Services ($5.00 fee for non-member notary services)	FREE (for members)
Domestic wire transfer (incoming)	FREE
Domestic wire transfer (outgoing)	$10.00
International wire transfer (incoming)	$40.00
International wire transfer (outgoing)	$40.00
Duplicate statement	$3.00
Copy/Printout	$1.00
Tracing/Research fee (charged in one hour increments)	$10.00
Counter services for non-members (includes cashing of members drafts)	$3.00
Estate/Trust Account Setup	$50.00
Tax Levy, Garnishment Processing	$50.00

Loan Fees
The fees listed below are for our consumer loan products. Home Equity loan fees will depend on the application and will be provided to applicants in a Good Faith Esitmate.
Application fee	$0.00
Setup of automatic EFT payments	$0.00
Loan coupon book	$10.00
Loan payoff request	$15.00
Loan Late Fees
Vehicle (dealer sale)	5% of monthly payment (maximum $10.00)
Vehicle (private sale)	$25.00
Unsecured	$25.00
Sharesecured	$25.00
Home Equity	5% of monthly payment
Credit Insurance Products Program restrictions apply. For more information on our credit insurance offerings, please contact our loan office.
Single Credit Life	76¢/$1,000 financed
Joint Credit Life	$1.14/$1,000 financed
Single Credit Disability	$2.30/$1,000 financed
GAP (Guaranteed Asset Protection)	$199
Mechanical Repair Coverage	cost based on vehicle