Fees

Share Draft Accounts
Money Management Accounts
ACH/EFT (electronic)
ATM/VISA Check Card
Loans

Loans

Effective 01/01/2009
 
Returned check used for loan/VISA payment $24.00 per item
Conventional loan late payment fee if 15 or more days late 5% of payment
Mortgage loan late payment fee if 15 or more days late 5% of payment
VISA late payment fee if 10 or more days late $20.00
VISA annual fee $0.00
VISA Cash Advance fee $0.00
VISA over the credit limit fee $10.00
VISA card replacement fee $10.00
VISA statement fee $10.00
Grace period for purchases 25 days
Collection Costs for all types of loans pay all costs of collections to include 25% attorney fees, court fees, and any other expenses incurred in the collection of the amount due.