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Rate and Fee
Schedule
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account. (See specific account information in this disclosure for fees unique to those accounts.)

All rates and fees are subject to change at the sole discretion of the Credit Union Board of Directors. Fees could reduce earnings.
Account Reopen .................................................... $10.00 per occurrence
Account Research/Reconciliation .......................... $20 per hour
ATM Card Transactions:
Withdrawals (up to six per month):................ Free
Withdrawals (after six per month) ................ $1.00 ea.
Deposits at CO-OP ATMs (unlimited) ............ Free
Transfers and Balance Inquiries .................. $1.00 ea.
Cash Withdrawal Transfer ................................... $3.00
Check Card Transactions
Withdrawals (up to twelve per month) ......... Free
Withdrawals (after twelve per month) ......... $1.00
Point of Sale (POS) Transactions ................. Free
Deposits at CO-OP ATMs (unlimited) ............ Free
Balance Inquiries .......................................... $.50 ea.
Transfers ..................................................... $1.00 ea.
Check Cashing .....................................................
(may include cash back transactions, based on account relationship)
$3.00
Check Copies ....................................................... $2.00
Check printing costs ............................................ Determined by check design
Collection Items
In person presentment ................................. $5.00
Collection Item .............................................. $15.00
Courtesy Pay .......................................................
* Fee applies when overdraft is created by check, in-person withdrawal, ATM withdrawal, or other electronic means.
$20.00*
Credit Union Shared Branch Transactions .........
Springfield, Missouri location only
(applies to all transactions such as
withdrawals, deposits, cashed checks,
loan payments, transfers, etc.)
$3.00 ea.
Document/Statement Copies ................................ $5.00
Excessive Withdrawals .......................................
(after 2/month–excluding Checking Accounts)
$3.00 ea.
Main Share Closure .............................................. $5.00
Money Order ........................................................ $1.00
Non-member Transaction ..................................... $5 per transaction
Nonsufficient funds item (each) .......................... $20.00
Overdraft Transfer Fee ....................................... $0.50 per occurrence
Replacement Plastic Cards .................................. $5.00
Stop Payments ..................................................... $25.00
Teller's ("Cashier's") Checks ............................... $1.00 per check
Temporary Checks ............................................... 12 for $5.00
Transfer of Account/Checking ............................ $25.00
Travelers Cheques
Regular ........................................................ 1% of purchase price
Cheques for Two ........................................ 1.5% of purchase price
Visa Gift Cards .................................................... $2.50 per card
Visa TravelMoney Card (Available Soon) ........... $5.00
Wire Transfers/Western Union Wires ................. $25 domestic
$50 international
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