Fee Schedule 6/27/2008

New Membership Fee - Prime Share Only

$1.00

Christmas Club Account Early Withdrawl Fee

$5.00 each transaction before maturity

NSF Overdraft Fee

$25.00 each occurance

ACH Overdraft Fee

$25.00 each occurance

DEBIT Overdraft Fee

$25.00 each occurance

REG D Transaction Fee

$25.00 each occurance

Returned Mail Fee

$2.00

Statement Copy

$5.00 per month

Account History

$2.00 each month copied

Returned Check Deposit

$20.00

Stop Payment (ACH)

$25.00

Stop Payment Request (Share Draft)

$25 each item

Outgoing Wire Transfer Fee (Domestic)

$15.00

International Wire Transfer Fee

$25.00

Money Order Fee

$1.50 per item

Certified Check

$5.00

Cashier's Check

$8.00

Travelers Checks

1% of total purchase

Copy of Check

$2.00 each after second copy per month

Xerox Copies and Fax Requests

$.25 per item

Check Printing

varies with order

Account Research Fee

$55.00 per hour

Check Encoding Errors (made by other institutions)

$20.00 per check

Credit Union Checks

$2.00 per check

Telephone Balance Request (ARU not used)

$1.00 per call

Close membership (within 6 months of opening) (cannot reopen for 12 months)

$25.00

Garnishment, Levy, Hold Shares Fee

$25.00

Subsequent Letter (Collection)

$25.00

Reposessession Charges

varies

Payday Loan Redemption Fee (payday lender pays)

$10.00 per check

Account Access Fee For Viewing Drafts

$.10 per check

EMT Loan Advance Fee

$25.00

Express Mail Fee

$25.00

ATM Transaction Fees	$1.00 per transaction after two free transactions per month
Our ATM location at N.F.R. Training Center is free to our member accounts (cash withdrawals only). Other ATM locations $1.00 per transaction after 2nd free each month.

3 x 5 Annual Rental

$20.00

5 x 5 Annual Rental

$25.00

3 x 10 Annual Rental

$30.00

5 x 10 Annual Rental

$40.00

10 x 10 Annual Rental

$60.00

Change of Locks

$150.00

Lost Key

Locksmith Service call $55.00

Replace Lost/Stolen Card

$10.00

VISA Late Charge

$25.00

VISA Over Limit Fee

$25.00

VISA Foreign Cash Advance

2% of the amount requested

VISA Foreign Transaction Fee

1% of the amount requested

Copy of Statment or Sales Draft

$10.00

Express Mail Fee

$25.00