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Our Service Charges
Each account holder agrees to the terms set forth in this Service Charge Disclosure and acknowledges that it is a part of their Member and Business Service Agreements.
Effective date: 4/28/2020 and are subject to change.
Debit and Credit Cards
Rush Orders$30.00 per cardFor newly approved, lost or stolen cards
Plastic Card Replacement$10.00 per cardOne free replacement card each year
International Transaction Feeup to 2% of transaction amountFor any card transaction made in a foreign country or currency

Credit Union Checks and Money Orders
Cashier's Checks and Money Orders$3.00 each
  • FREE if you have Super Saver, Premium, Business Basics or Business Money Market Spending
  • FREE if payable to self

Electronic Services
Bill Pay
Consumer Accounts
Business Accounts
$4.95 monthly
$9.95 monthly
  • Fee waived up to 2 months
  • FREE for members with Super Saver or Premium Spending Accounts
Wires - Domestic
Bank to bank
Recurring bank to bank
$20.00 each
$10.00 each
  • One-time set-up fee for each recurring preauthorized agreement

Safe Deposit Boxes - Midtown Branch Only
3x10 inch box$55.00 annually
4x10 inch box$65.00 annually
5x10 inch box$75.00 annually
10x10 inch box$115.00 annually
Key Deposit$5.00
Lost key/box drilling$125.00 each

Savings, Spending and Certificate Accounts
Savings Account Fees
Premium Savings (S19)
$3.00 monthlyFEE WAIVED with a $50.00 minimum daily balance
IRA (all types combined)
$5.00 monthlyFEE WAIVED with $100 balance(s) at the end of each month
Spending Account Fees
Free Spending (S76)
Super Saver Spending (S78)
$5.00 monthlyFEE WAIVED with $200 minimum daily balance
Premium Spending (S77)
$5.00 monthlyFEE WAIVED with $1000 minimum daily balance
Business Premium Spending (S81)
$10.00 monthlyFEE WAIVED with $5000 minimum daily balance
Business Basics Spending (S87)
$10.00 monthlyFEE WAIVED with $2,500 minimum daily balance
Business Super Saver Spending (S88)
$5.00 monthlyFEE WAIVED with $200 minimum daily balance
Check OrdersVariable
  • Charge varies according to style and quantity
  • Can be reordered in Online Access
Early Withdrawals on Certificate Accounts
On terms of 1 year or less
On terms of more than 1 year
60 days of dividends
180 days of dividends
Inactive Account Fees$5.00 per month per account
  • FEE WAIVED if you have an active loan
Overdraft Transfer$5.00 per transfer
  • FEE WAIVED if transfer source is a Credit Union 1 credit card, line of credit or Quick Cash loan
Courtesy Pay
Fee is based on the transaction amount
$5.00 or less
$20.01 or more
$5.00 each
$10.00 each
$20.00 each
$22.00 each
Overdraft/Overdrawn Fee$22.00 each-
Non Sufficient Funds (NSF)$22.00A NSF charge is imposed each time an item is presented against insufficient funds. The payee (or the payee’s institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate charge.
Returned Item
Fee on item deposited into account and returned unpaid
$15.00 each-
Fee on self to self item returned unpaid
$22.00 each-
Returned Statement$5.00 eachFor mailing to a non-deliverable address
Returned Check Order$5.00 per orderFor mailing to a non-deliverable address
Stop Payment$22.00 eachPersonal checks, preauthorized payments/deductions Bill Pay items, ACH, cashier’s checks or money orders
$10.00 eachPersonal checks only when requested via ART or Online Access
Temporary Checks$5.00
  • Packet of 12
  • FREE when opening a new spending account

Other Fees
Check Collections$15.00Foreign or other items sent out for collection
Deposit Bag$5.00 each
Deposit/Loan Verification$10.00 per requestFor processing a deposit/loan verification request from another financial institution
Garnishments & Levies$75.00
General Document Copies$2.00 per page
Loan Convenience Fee$5.00Payments done with a credit card (cash advance) or electronic check by phone
Loan Skip-a-Pay Fee$35.00Interest continues to accrue on your loan during the skipped month
Membership Renewal$10.00Applies to S1 accounts reopened within 180 days of closure
Paper Statement$2.00FREE if you have Super Saver, Premium, Business Basics or Business Premium Spending, a loan balance, or an aggregate balance of $1000
Research Fee$25.00 per hour
  • For extensive research to locate member-requested item(s)
  • No charge if research originates from a Credit Union 1 error

Download Our Services Charges Disclosure