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EFFECTIVE AUGUST 2020

All fees quoted are per item or per occurrence unless otherwise noted.
Fees could reduce over all earnings. 

ATM NSF Fee $30.00
ACH NSF Fee $30.00
Share Draft NSF Fee $30.00
VISA NSF Payment Fee $30.00
NSF Deposit Item $30.00
ATM NSF Deposit Item $30.00
Stop Payment Fee $10.00
Reg D Fee (after six (6) allowable monthly transfers from share/savings accts) $10.00 per transfer
ATM Card Replacement Fee (Initial card & first replacement-Free) $5.00
ATM Fee - per withdrawal transaction $0.25
Bad Address Fee $15.00/month
Dormant Account Fee - Share account balances under $100.00 and inactive for more than 12 mos (Dormant share accounts under $5.00 will be closed) $25.00
Escheat Account Fee - No activity for three (3) years/Account balance will be sent to the State $30.00
Closed Account Fee – Open less than 90 days $5.00
Statement Copy or Printout $1.00 per page
Certified Check $1.00 each
Check/Draft Copy $3 each
Garnishment Fee - per notification $50.00
Mortgage Loan Origination Fee $300.00
Loan Cancellation Fee $30.00
Title Fee/Refinance $90.00
Title Fee/Purchase $10.00
Medallion Stamp Member: $5.00 / Non Member: $10.00
VISA Card Replacement Fee $5.00
VISA Gift Card $2.00
VISA Late Payment Fee $10.00
ACH Fee – Revoke Authorization $10.00
ACH Fee – Dispute Unauthorized Transaction $10.00
ATM Dispute Fee – Three FREE per year (unless a data base breach) $10.00
ATM Card Rush Fee $35.00
Wire OUT Fee/INTERNATIONAL $15.00/$35.00
Wire IN Fee $5.00
Western Union-Domestic up to $10,000 $20.00
Western Union-International up to $500 $30.00
Western Union-International over $500 $30.00 plus 2% of amount sent

VISA CREDIT CARD 

Annual Percentage Yield 12.00%
Grace period for repayment of the balances for purchases 25 days
Method of computing the balance for purchases and cash advances Average Daily Balance (including New Purchases)
Minimum Finance Charge None
Balance Transfer Fee None
Annual Fee None
Transaction Fee for purchases None
Late Payment Fee $10.00
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THE RICHLAND OFFICE HOURS ARE CHANGING STARTING 3/1/2021

PLEASE VIEW OUR LOCATIONS PAGE FOR THE UPDATED HOURS OF OPERATION