Fee Schedule

Account Fees
Account closure within 30 days of opening $25.00
Dormant account (no activity in 365 days) $5.00 / month
Returned mail / Wrong address $5.00 / month
Garnishment / Levy $50.00 / each
Holiday Club Withdrawal  
     One free per year, each additional withdrawal $5.00 / each
Giddy-Up  
     One free per month, additional withdrawal $5.00 / month
Notary service for members no charge
       for non-members $5.00
Payment Vacation Fee $30.00
Account Renumber Fee $30.00
Loan Fees
Subordination Agreement $150.00
Internal Refinance (Auto Loans only) $150.00
ESSDL Application Fee $15.00
Business Account Fees
SPIRE Business Checking $20.00 / Month
ATM / MasterCard Services
Empty ATM envelope deposit $30.00/each 
Card rush service  
     Debit or MasterCard credit card $35.00
Debit or credit card replacement (non-fraud) $20.00
Cash advance  
     CUR member, non CUR card $5.00
     Non member $15.00
Re-issue PIN (one free per year) $5.00
Late payment MasterCard credit card $15.00 
Foreign Transaction Fee 1% of transaction 
Non-COOP ATM Fee $2.00 / transaction
Research / Copy
Share draft copy $2.00 / item
     Free with E-Banking  
Statement Copies $5.00 / statement
Account research / balancing $75.00 / hr
Paper Statement Fee (Effective 1/1/2015) $3.00/month
Returned Item & Stop Payment(s)
ACH Return Item $30.00 / item
NSF Return Item $30.00 / item
Courtesy Pay Item $30.00 / item
Uncollected Item $30.00 / item
Returned Bill-Pay Item $30.00 / item
Returned Item $30.00 / item
Self to Self Returned Item $30.00 / item 
Check Deposit Return  
     Shared Branch Item $30.00 / item
Stop Payments  
     Lost/Stolen (no charge if police report is provided) $30.00 / item
     Single Check $30.00 / item
     ACH $30.00 / item
Negotiable Instruments & Wire Transfers
CU Official Check $3.00 / each
Temporary Checks $2.00 per sheet of four
Money Orders - up to $1,000 $3.00 / each
Incoming Wire $10.00 / each
Outgoing Wire Domestic $20.00 / each

***Cashing ON-US Check (Golden Branch) = $0.99/each

****Use of Coin Machine = $0.99/each