Fee Schedule

                                                                                 680 Union Street, Hobart, Indiana 46342    

           Officially Chartered in 1960                                      Contact Us at: 800-543-5785      Fax: 219-942-3447                

Share Draft Account & Overdraft Advance Fees

Overdraft Fee: $4.00 per item
NSF & Overdraft Advance Fee: $20.00 per item
Stop Payment Fee: $7.50 per request
Share Draft Printing Fee: Prices may vary depending on design
Draft Copy Fee: $2.00 per copy
Draft Statement Copy Fee: $2.00 per copy
Reconciliation Fee: $20.00 per hour

Mortgage and Home Equity Fees

Mortgage Fee: Varies
Home Equity Fee: $225.00
HELOC Annual Fee: $20.00
Existing Mortgage Restructure Fee*: $350.00
Existing Home Equity Restructure Fee*: $125.00

*Some restrictions apply. Please contact Mortgage Lending Officer


Other Service Fees (applicable to all accounts)

Statement Copy Fee: $2.00 per copy
Wire Transfer (incoming) Fee: $2.50 per transfer
Wire Transfer (outgoing) Fee: $15.00 per transfer
Money Order Fee: $1.00 per money order under $1,000.00
Cashier's Check: $1.00 each

Electronic Funds Transfer Fees

ATM Withdrawal Fee: $1.00 per withdrawal - Five (5) ATM withdrawals per month without a charge
ATM Inquiry Fee: $0.50 per withdrawal - Five (5) ATM withdrawals per month without a charge
ATM Annual Fee: $24.00 per year (for Savings accounts only).
ACH NSF Fee: $20.00 per item
ACH Overdraft: $4.00 per item
ACH Stop Payment Fee: $7.50 per item

Home Financing Service

Home Financial Service Fee: $5.00 per month (January 1, 2007)

Bill Payer Fees

Written Correspondence to Payee: $10.00 per item
Per Proof of Payment not necessitated by a dispute: $10.00 per item
Payments returned due to member error: $5.00 per item
Overdraft Fee: $4.00 per item

The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Effective Date indicated on the Rate and Fee Schedule.  If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

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