Bylaw requirements:

You must complete payment of one share in your Share account as a condition of admission to membership.

Transaction limitation – We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

Nature of dividends – Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

National Credit Union Share Insurance Fund – Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

The following fees may be assessed against your account and the following transaction limitation, if any, apply to your account.

Draft Printing	(fee depends on style of draft ordered)
Nonsufficient funds item (each)	$25.00
Nonsufficient funds (NSF) ACH (preauthorized withdrawal)	$25.00
Stop payments – draft	$15.00 per draft, $20.00 per block
Wire Transfer
In house	$2.00
Incoming	$3.00
Outgoing	$10.00
Copy of draft	$1.00
Share draft account closed for misuse	$30.00
FAX	$1.00
Money orders	$1.00
Stop payments on money orders	$15.00
Traveler’s checks for two and gift checks	(there is a small fee, whatever we are charged)
Check cashing: If less than $100 in any Share account	$1.00 per $100 of check
ATM/Debit Card Mastermoney Card Fees $10.00 per card per year
Replace a card	$10.00
Change personal identification number	$10.00