Terms accurate as of August 31, 2023

Fees are subject to change at any time by the Board of Directors.

Checking Accounts
Monthly maintenance fee $1
Minimum balance None
Non-sufficient funds (NSF) $25
E-statements from home Print free
Check imaging from home Print free
Personalized checks Price varies according to style and quantity
Check and statement copies (3 months) Free
Additional check and statement copies $1 per check or statement copy. Free when using Member Connect.
Debit Cards
CashPoints® ATM transaction Free
Reissue card Free
Lost card $8
PLUS ATM authorized transaction $0.75
PLUS ATM denied transaction $0.35
Share Accounts
Minimum balance $25
Service fee $1 only if balance drops below minimum
IRA, SEP, Coverdell ESA
Minimum balance $25
Transaction fee Free
Service fee $1 only if balance drops below minimum
FAT CAT® Accounts
Age requirement 12 and under
Service fees $0
Money Market Share Accounts
Transaction fee $0
Minimum balance $250
Service fee $2 only if balance drops below minimum
Visa® Credit Card
Annual fee None
Late payment Up to $20
Returned payment Up to $20
ATM $0.75 per transaction
Foreign currency transactions 1% of each transaction in U.S. dollars
Cash advance None
Balance transfers None
Safe Deposit Box (Service discontinued Sept. 1, 2023)
Annual rental fee Annual fees range from $18 to $90 according to box size. (Not all box sizes are available at all locations.)
Wire Transfers
Outgoing domestic $10
Outgoing international $25
Incoming domestic or international Free
Cashier's check (under $500) $1; free over $500
Notary service Free for members only

A detailed list of Fees and Terms

At the big banks every time I turn around, I'm getting a fee for something. At the Credit Union, I appreciate the straightforward attitude.
Art S. Emerald Isle