Questions? Contact us or stop by your closest location.
Rates effective 09/25/23. APY = Annual Percentage Yield. APR = Annual Percentage Rate.
View associated fees for personal accounts and business accounts.
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Personal Checking & Savings
Checking Accounts
Account APY Interest Rate Minimum Opening Balance Opening Fee Cash Back Checking* 0% 0% $0 $0 Double Cash Back Checking** 0% 0% $0 $0 Verity Checking 0% 0% $0 $0 Youth Checking 0.10% 0.10% $0 $0 Please read the Truth-In-Savings Disclosure and Fee Schedule—Savings and Checking Accounts. Checking accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish Prime Share membership account as part of account opening. $5 membership fee is required to join Verity.
Effective dates: 09/01/23 - 09/30/23. Interest compounded and credited monthly.
*Limit one (1) rewards checking account per primary accountholder. Rewards checking accounts include Cartwheel Checking and Cash Back Checking accounts. To earn cash back and ATM fee refunds, the primary accountholder must meet the following three (3) requirements per Monthly Qualification Cycle:
- Have at least 12 debit card purchases post and settle
- Receive eStatements
- Log into Digital Banking
If the primary accountholder meets the monthly qualifications, the account will be refunded up to 2.00% of the first $250 spent via POS purchases during the cycle. Maximum cash back award is $5 per Monthly Qualification Cycle. In addition to cash back, domestic ATM fees incurred during the qualification cycle will be credited to the account if monthly qualifications are met. For full account details, visit veritycu.com/checking
**Double Cash Back Checking accounts are only available for employees of nonprofit organizations. To learn more, visit veritycu.com/nonprofit
Cartwheel Checking
Balance APY Interest Rate Blended APY Minimum Opening Balance Opening Fee $0-$10,000 0.50% 0.50% 0.50% $0 $0 $10,000+ 0.03% 0.03% 0.03% - 0.50% $0 $0 Monthly qualifications not met 0% 0% 0% $0 $0 Please read the Truth-In-Savings Disclosure and Fee Schedule—Savings and Checking Accounts. Checking accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish Prime Share membership account as part of account opening. $5 membership fee is required to join Verity.
Effective dates: 09/01/23 - 09/30/23. Interest compounded and credited monthly.
* Limit one (1) rewards checking account per primary accountholder. Rewards checking accounts include Cartwheel Checking and Cash Back Checking accounts. To earn the reward rate and ATM fee refunds, the primary accountholder must meet the following three (3) requirements per Monthly Qualification Cycle:
- Have at least 12 debit card purchases post and settle
- Receive eStatements
- Log into Digital Banking
If the primary accountholder meets the monthly qualifications, balances up to $10,000 earn an APY of 0.50% , and balances over $10,000 earn 0.03% APY on portion of balance over $10,000, resulting in a range from 0.03% to 0.50% APY, depending on the account balance. In addition to receiving the reward rate, domestic ATM fees incurred during the qualification cycle will be credited to the account if monthly qualifications are met. For full account details, visit veritycu.com/checking
Savings Accounts
Account APY Interest Rate Minimum Opening Balance Opening Fee Prime Share Savings 0.03% 0.03% $5 $5 Youth Savings 0.10% 0.10% $0 $0 Secondary Savings 0.03% 0.03% $0* $0 Please read the Truth-In-Savings Disclosure and Fee Schedule—Savings and Checking Accounts.
Effective dates: 09/01/23 - 10/01/23. Interest compounded and credited monthly.
*See #5 in the Truth in Savings disclosure.
Money Market
Balance APY Interest Rate Minimum Opening Balance Opening Fee $0-$9,999 0.10% 0.10% $1,000 $0 $10,000-$49,999 0.20% 0.20% $1,000 $0 $50,000-$99,999 0.80% 0.80% $1,000 $0 $100,000-$249,999 0.85% 0.85% $1,000 $0 $250,000+ 1.00% 1.00% $1,000 $0 Effective dates: 09/25/23 - 09/30/23. Interest compounded and credited monthly.
Please read the Truth-In-Savings Disclosure and Fee Schedule—Savings and Checking Accounts. Money Market accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish Prime Share membership account as part of account opening. $5 membership fee is required to join Verity.
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Business Checking and Savings
Business Opportunity Checking
APY Interest Rate Minimum Opening Balance Opening Fee 0% 0% $100 $0 Effective dates: 09/01/23 - 09/30/23.
Be sure to read the Business Truth-in-Savings Disclosure. Checking accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
Business Interest Checking
Balance APY Interest Rate Minimum Opening Balance Opening Fee $0-$19,999 0.05% 0.05% $1,000 $0 $20,000-$49,999 0.05% 0.05% $1,000 $0 $50,000+ 0.05% 0.05% $1,000 $0 Monthly fee of $25 if average monthly balance is below $15,000.
Effective dates: 09/01/23 - 09/30/23.
Be sure to read the Business Truth-in-Savings Disclosure. Checking accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
Business Analysis Checking
Minimum Opening Balance Opening Fee Earning Credit Rate $1,000 $0 0.75% Effective dates: 09/01/23 - 09/30/23.
Be sure to read the Business Truth-in-Savings disclosure. Checking accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
IOLTA & IRETA Checking
Balance APY Interest Rate Minimum Opening Balance Opening Fee $0-$19,999 0.05% 0.05% $100 $0 $20,000-$49,999 0.05% 0.05% $100 $0 $50,000+ 0.05% 0.05% $100 $0 Monthly fee of $25 if average monthly balance is below $15,000.
Effective dates: 09/01/23 - 09/30/23.
Be sure to read the Business Truth-in-Savings Disclosure. Checking accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
Business Prime Share Savings and Business Savings
APY Interest Rate Minimum Opening Balance Opening Fee 0.03% 0.03% $5 $5 0.03% 0.03% $5 $0 Interest compounded and credited monthly. Effective dates: 09/01/23 - 09/30/23.
Be sure to read the Business Truth-In-Savings Disclosure.
Business Money Market
Balance APY Interest Rate Minimum Opening Balance Opening Fee $0-$9,999 0.10% 0.10% $1,000 $0 $10,000-$49,999 0.20% 0.20% $1,000 $0 $50,000-$99,999 0.80% 0.80% $1,000 $0 $100,000-$249,999 0.85% 0.85% $1,000 $0 $250,000+ 1.00% 1.00% $1,000 $0 Effective dates: 09/01/23 - 09/30/23.
Be sure to read the Business Truth-In-Savings Disclosure. Money Market accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
Community-Impact Money Market for Nonprofit Organizations
Balance APY Interest Rate Minimum Opening Balance Opening Fee $0-$9,999 0.15% 0.15% $1,000 $0 $10,000-$49,999 0.25% 0.25% $1,000 $0 $50,000-$99,999 0.85% 0.85% $1,000 $0 $100,000-$249,999 0.90% 0.90% $1,000 $0 $250,000+ 1.05% 1.05% $1,000 $0 Effective dates: 09/25/23 - 10/01/23.
Be sure to read the Business Truth-In-Savings Disclosure. Money Market accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
Community-Impact Money Market accounts are only available to nonprofit 501(c)(3) organizations. To earn promotional rate, deposit must be new money to Verity. Interest compounded and credited monthly.
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Certificates of Deposit - personal and business
Personal Certificate Accounts
Term Balance APY Interest Rate 90 day $0-$999 n/a n/a $1,000-$24,999 4.10% 4.03% $25,000-$74,999 4.10% 4.03% $75,000+ 4.10% 4.03% 6 month (savers certificate) $0-$999 4.00% 4.00% 6 month $1,000-$24,999 4.20% 4.12% $25,000-$74,999 4.45% 4.36% $75,000+ 4.55% 4.46% 12 month (savers certificate) $0-$999 1.10% 1.10% 12 month $1,000-$24,999 1.25% 1.24% $25,000-$74,999 1.30% 1.29% $75,000+ 1.35% 1.34%
13 month*
$0-24,999
4.40% 4.31% $25,000-$74,999 4.40% 4.31% $75,000+ 4.40% 4.31% 24 month $0-$999 n/a n/a $1,000-$24,999 2.75% 2.72% $25,000-$74,999 2.80% 2.76% $75,000+ 2.80% 2.76% 36 month $0-$999 n/a n/a $1,000-$24,999 2.55% 2.52% $25,000-$74,999 2.80% 2.76% $75,000+ 2.85% 2.81% 60 month $0-$999 n/a n/a $1,000-$24,999 2.90% 2.86% $25,000-$74,999 2.95% 2.91% $75,000+ 3.10% 3.06% Be sure to read the Certificate Truth-In-Savings Disclosure. Certificate accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish Prime Share savings membership account as part of account opening. $5 membership fee is required to join Verity.
Effective dates: 09/25/23 - 10/01/23. Interest compounded and credited monthly.
Fees may reduce earnings. Early withdrawal penalty of 180 days interest applies. Account approval, qualifications, limits, enrollments and other requirements may apply. Savers certificates require minimum $100 opening deposit; all other certificates require $1,000 minimum opening deposit.
*Promotional rate of 4.40% APY has interest rate of 4.31%. No minimum deposit requirement. At maturity, the 13-month certificate will automatically renew to a 12-month CD, unless otherwise notified. Rates for renewed certificates will be in accordance to current rates at that date. Available for businesses, consumers and nonprofit organizations. No public funds or IRA option. Fees may reduce earnings. Early withdrawal penalty of 180 days interest applies. Account approval, qualifications, limits, enrollments and other requirements may apply. Offer subject to change at any time.
Business Certificate Accounts
Term Balance APY Interest Rate 90 days $0-$999 n/a n/a $1,000-$24,999 4.10% 4.03% $25,000-$74,999 4.10% 4.03% $75,000+ 4.10% 4.03% 6 month $0-$999 n/a n/a $1,000-$24,999 4.20% 4.12% $25,000-$74,999 4.45% 4.36% $75,000+ 4.55% 4.46% 12 month $0-$999 n/a n/a $1,000-$24,999 1.25% 1.24% $25,000-$74,999 1.30% 1.29% $75,000+ 1.35% 1.34% 13 month $0-$999 4.40% 4.31% $1,000-$24,999 4.40% 4.31% $25,000-$74,999 4.40% 4.31% $75,000+ 4.40% 4.31% 24 month $0-$999 n/a n/a $1,000-$24,999 2.75% 2.72% $25,000-$74,999 2.80% 2.76% $75,000+ 2.80% 2.76% 36 month $0-$999 n/a n/a $1,000-$24,999 2.55% 2.52% $25,000-$74,999 2.80% 2.76% $75,000+ 2.85% 2.81% 60 month $0-$999 n/a n/a $1,000-$24,999 2.90% 2.86% $25,000-$74,999 2.95% 2.91% $75,000+ 3.10% 3.06% Be sure to read the Certificate Truth-In-Savings Disclosure. Certificate accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
Effective dates: 09/25/23 - 10/01/23.
Fees may reduce earnings. Early withdrawal penalty of 180 days interest applies. Account approval, qualifications, limits, enrollments and other requirements may apply. Business certificates require $1,000 minimum opening deposit.
*Promotional rate of 4.40% APY has interest rate of 4.31%. No minimum deposit requirement. At maturity, the 13-month certificate will automatically renew to a 12-month CD, unless otherwise notified. Rates for renewed certificates will be in accordance to current rates at that date. Available for businesses, consumers and nonprofit organizations. No public funds or IRA option. Fees may reduce earnings. Early withdrawal penalty of 180 days interest applies. Account approval, qualifications, limits, enrollments and other requirements may apply. Offer subject to change at any time.
Community-Impact Certificate Accounts for Nonprofit Organizations
Term Balance APY Interest Rate 12 month $1,000-$24,999 5.00 % 4.89 % $25,000-$74,999 5.00 % 4.89 % $75,000+ 5.00 % 4.89 % 24 month $1,000-$24,999 4.40% 4.31 % $25,000-$74,999 4.40% 4.31 % $75,000+ 4.40% 4.31 % Be sure to read the Certificate Truth-In-Savings Disclosure. Certificate accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
Effective dates: 09/25/23 - 10/01/23.
Community-Impact Certificates of Deposit are only available to nonprofit 501(c)(3) organizations. To earn promotional rate, deposit must be new money to Verity. To open an account, the business or organization must have been formed in Washington state, hold a valid Washington state business license and have more than half of the businesses’ principals eligible for Verity membership. Community-Impact CD requires $1,000 minimum opening deposit and must maintain balance of at least $1,000. CD will automatically renew at same term and rates will be in accordance to current rates at that date. Early withdrawal penalty of 180 days interest applies. Fees may reduce earnings.
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Individual Retirement Accounts
IRA Certificates
Term Balance APY Interest Rate 12 month $0-$999 n/a n/a $1,000-$24,999 1.25% 1.24% $25,000-$74,999 1.30% 1.29% $75,000+ 1.35% 1.34% 18 month $0-$999 n/a n/a $1,000-$24,999 1.35% 1.34% $25,000-$74,999 1.40% 1.39% $75,000+ 1.45% 1.44% 24 month $0-$999 n/a n/a $1,000-$24,999 2.75% 2.72% $25,000-$74,999 2.80% 2.76% $75,000+ 2.80% 2.76% 36 month $0-$999 n/a n/a $1,000-$24,999 2.55% 2.52% $25,000-$74,999 2.80% 2.76% $75,000+ 2.85% 2.81% 60 month $0-$999 n/a n/a $1,000-$24,999 2.90% 2.86% $25,000-$74,999 2.95% 2.91% $75,000+ 3.10% 3.06% Be sure to read the Certificate Truth-In-Savings Disclosure. Certificate accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish Prime Share savings membership account as part of account opening. $5 membership fee is required to join Verity.
Effective dates: 09/25/23 - 10/01/23. Interest compounded and credited monthly.
Fees may reduce earnings. Early withdrawal penalty of 180 days interest applies. Account approval, qualifications, limits, enrollments and other requirements may apply.
Variable IRA Share Accounts
Balance APY Interest Rate $0-$999 0.15% 0.15% $1,000-$24,999 0.20% 0.20% $25,000-$74,999 0.25% 0.25% Effective dates: 09/25/23 - 10/01/23. IRA accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish Prime Share savings membership account as part of account opening. $5 membership fee is required to join Verity.
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Credit Cards - personal and business
Credit Cards
Card Type APR Platinum Visa® 11.99 % - 21.99 % Signature Rewards Visa® 15.49 % - 22.00 % Business Signature Rewards Visa® 15.49 % - 19.49 % *Rates current as of 5/25/2023 and will vary with market based Prime Rate. Introductory 0% Annual Percentage Rate (APR) is for the first 12 billing cycles. Your APR after introductory period and for purchases outside of promotional rate will be determined in accordance with Verity’s loan policy and your credit profile. For complete details, read our Credit Card Agreement, Business Credit Card Agreement and Credit Card Rates and Related Disclosures document.
Credit cards available to Verity Credit Union members only. If not existing member at time of applying, applicant will be required to establish Prime Share savings or business membership account as part of credit card opening. $5 membership fee is required to join Verity.
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Loans for personal use
Auto, boats, and RVs
Loan Type APR Additional Information New or used auto 8.50 % - 18.00% Maximum vehicle age 15 years; maximum mileage 150,000. Lowest rate includes discounts.* New or used motorcycle 8.25% - 18.99% Maximum motorcycle age 3 years. Lowest rate includes discounts.** New or used RV 19.99 % - 19.99 % Lowest rate includes discounts.** New ATV or Jet Ski 8.25 % - 18.99% Lowest rate includes discounts.** Boat and marine mortgages 10.99 % - 19.99 % Financing not available for wooden hull boats. Lowest rate includes discounts.** Rates current as of 09/29/23 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.
The APR you receive is based on your creditworthiness, repayment schedule, repayment method, age and type of vehicle and loan-to-value ratio. Loans available to Verity Credit Union members only. If not existing member at time applying for loan, applicant will be required to establish Prime Share membership account as part of loan funding. $5 membership fee is required to join Verity.
*Lowest rate includes the following discounts: 0.25% for automatic debit payments from an account at any financial institution, 0.50% for EPA Smartway Certified vehicles, 0.25% for financing less than 80% loan-to-value.
**Lowest rate includes the following discounts: 0.25% for automatic debit payments from an account at any financial institution and 0.25% for financing less than 80% loan-to-value.
Additional rate discount available for employees of nonprofit organizations. See veritycu.com/nonprofit for details.
Eco-friendly loans
Loan Type APR Additional Information Solar 8.75 % - 12.50 % Terms up to 20 years. Maximum loan amount $60,000. A Uniform Commercial Code (UCC-1) will be filed on all solar loans. Lowest rate includes discounts.* Green Auto 6.75 % - 17.50 % Maximum vehicle age 15 years; maximum mileage 150,000. Lowest rate includes discounts.** Bicycle 5.99% - 6.24% Maximum loan amount $10,000. Term of 24 months. Lowest rate includes discounts.* Rates current as of 08/28/23 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.
The APR you receive is based on your creditworthiness, repayment schedule, repayment method, age and type of vehicle and loan-to-value ratio. Loans available to Verity Credit Union members only. If not existing member at time applying for loan, applicant will be required to establish Prime Share membership account as part of loan funding. $5 membership fee is required to join Verity.
*Lowest rate includes the following discount: 0.25% for automatic debit payments from an account at any financial institution.
**Lowest rate includes the following discounts: 0.25% for automatic debit payments from an account at any financial institution, 0.75% for EPA Smartway Certified vehicles, 0.25% for financing less than 80% loan-to-value.
Additional rate discount available for employees of nonprofit organizations. See veritycu.com/nonprofit for details.
Personal Loans
Loan Type APR Additional Information Personal 8.99 % - 19.99% Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu. Lowest rate includes rate discounts.* ReadyMoney 13.49 % - 18.00% Personal line of credit. Pay interest on the money you use, payment amount is based on the amount you owe. Credit Builder 9.99% Work to repair your credit without having the funds up front. Borrow up to $2,500 with terms up to 36 months. Secured 3.00% + Share/Certificate Rate** Great way to establish positive credit history. Loan is secured with funds deposited into a Verity account. Rates current as of 04/01/23 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.
Loans available to Verity Credit Union members only. If not existing member at time applying for loan, applicant will be required to establish Prime Share membership account as part of loan funding. $5 membership fee is required to join Verity. The APR you receive for personal loans and lines of credit is based on your creditworthiness, repayment schedule, and repayment method. Lines of credit rates vary with market based Prime Rate throughout the life of the line of credit.
*Lowest rate includes the following discount: 0.25% for automatic debit payments from an account at any financial institution.
**Share Secured Loan is secured with funds deposited in your Verity Prime Share savings account. Rates are 3.00% + the Share rate. Certificate Secured Loan is secured with funds deposited in a Certificate account. Rates are 3.00% + the Certificate rate. Rates current as of 10/26/22 and subject to change.
Additional rate discount available for employees of nonprofit organizations. See veritycu.com/nonprofit for details.
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Home Loans
Home Mortgage Loans
Please visit our Home Mortgage page!
Masterline Home Equity Line of Credit
Product Amount financed
(LTV of current appraised value)APR Masterline Home Equity Line of Credit* Up to 75% 8.99 % - 10.00% 75.01%-80% 9.09% - 9.75% Masterline Home Equity Line of Credit (investment/rental properties)* Up to 60% 10.00% - 10.75% 5 year rate lock Up to 75% 8.75 % - 9.75% 75.01%-80% 9.00% - 9.50% 5 year rate lock (investment/rental properties) Up to 60% 9.25% - 9.75% 10 year rate lock Up to 75% 9.25% - 10.25% 75.01%-80% 9.50% - 10.00% 10 year rate lock (investment/rental properties) Up to 60% 9.75% - 10.25% 15 year rate lock Up to 75% 9.75% - 10.75% 75.01%-80% 10.00% - 10.50% 15 year rate lock (investment/rental properties) Up to 60% 10.25% - 10.75% Rates current as of 08/28/23 and are subject to change at any time. Mortgages and home equity loans available in Washington state only.
Loans available to Verity Credit Union members only. If not existing member at time applying for loan, applicant will be required to establish Prime Share membership account as part of loan funding. $5 membership fee is required to join Verity.
Fixed Home Equity Loans
Product Amount financed
(LTV of current appraised value)APR 5 year fixed Up to 70% 8.75 % - 9.75%* 70.01%-80% 9.00% - 9.50%* 5 year fixed (investment/rental properties) Up to 60% 9.25% - 9.75%* 10 year fixed Up to 70% 9.00% - 10.25%* 70.01%-80% 9.50% - 10.00%* 10 year fixed (investment/rental properties) Up to 60% 9.75% - 10.25%* 15 year fixed Up to 70% 9.50% - 10.75%* 70.01%-80% 10.00% - 10.50%* 15 year fixed (investment/rental properties) Up to 60% 10.25% - 10.75%* Rates current as of 08/28/23 and are subject to change at any time. Mortgages and home equity loans available in Washington state only.
Loans available to Verity Credit Union members only. If not existing member at time applying for loan, applicant will be required to establish Prime Share membership account as part of loan funding. $5 membership fee is required to join Verity.
Fees - Personal Accounts
Membership
Membership fee (youth accounts exempt) | $5.00 |
Savings account
Single Service/low balance fee (youth accounts exempt) | $10.00 per quarter |
Undeliverable address fee | $4.00 per month |
Money Market account
Money Market checks (30 checks) | Free |
Checking account
Inactive checking account fee (account inactive >365 days) |
$5.00 per month |
Debit card
Transaction fee | Free |
Initial debit card | Free |
Replacement card fee, each | $6.00 |
Priority delivery | $25.00 - $36.00 |
Wire transfers
Wire transfer - incoming (domestic) | Free |
Wire transfer - incoming (international) | $40.00 |
Wire transfer - outgoing (domestic) | $20.00 |
Wire transfer - outgoing (international) | $40.00 |
Account access
Digital Banking access | Free |
Telephone Teller access | Free |
Bill Pay service (standard) | Free |
Bill Pay service (next day delivery) | $19.95 |
Bill Pay service (2nd business day delivery) | $14.95 |
Zelle (requires Digital Banking enrollment) | Free |
Miscellaneous fees
Money order fee | $2.00 per money order |
Cashier's check fee | $2.00 per check |
Share (corporate) check fee | Free |
Notary fee (non-members) | $5.00 |
Coin counting machine usage (Verity members) | Free |
Coin counting machine usage (non-members) | 5% total coin counted |
Foreign item (check) processing
Second party returned foreign check fee | $10.00 |
Checks from other foreign countries, payable through foreign banks (for checks less than $2,500 U.S. Dollar equivalent) | $5.00 per item, plus additional correspondent bank fees (ranging from $1.00 - $22.00 depending on the country) |
Correspondent bank fees for collection and courier (for checks greater than $2,500 U.S. Dollar equivalent plus 3rd party bank fees) | $25.00 per item |
General transaction and account fees
Account research/balance/reconciliation | $20.00 per hour, $20 minimum |
Overdraft Fee | $10.00 per presentment |
Overdraft Fee POS-ATM | $10.00 per presentment |
Non-sufficient funds (NSF) Fee | FREE |
Overdraft transfer from shares | $5.00 |
Check copy retrieval/research | $20.00 per hour |
Cleared check copy (first 2 per account per statement free) | $3.00 per item |
Counter check (12 checks) | Free |
Current month history/statement copy | $5.00 |
Empty envelope deposit in ATM | $25.00 |
Paper statement (age 0-15 and 75+ exempt from fee) | $2.00 per statement |
Pay by phone with debit/credit card or ACH | $15.00 |
Member-initiated online payment by debit/credit card | $10.00 |
Member-initiated online payment by ACH | Free |
Postdated item | $5.00 per item |
Deposited returned check | $20.00 |
Second party returned check | $10.00 |
Stop payment | $20.00 per request |
Disclosure: Truth-in-Savings disclosure for personal deposit accounts
Fees - Business Accounts
Membership
Membership fee | $5.00 |
General transaction and account fees
Account research/balance/reconciliation | $20.00 per hour, $20 minimum |
Check copy retrieval/research | $20.00 per hour |
Check printing | Prices vary depending on style |
Cleared check copy (first 5 per account per statement free) | $3.00 per item |
Counter check (12 checks) | $2.00 |
Current month history/statement copy | $5.00 |
Electronic debit returned NSF | $28.00 |
Empty envelope deposit in ATM | $25.00 |
Non-sufficient funds (NSF) Fee | FREE |
Overdraft fee | $10.00 per presentment |
Overdraft fee POS-ATM | $10.00 per presentment |
Overdraft transfer from shares | $5.00 |
Paper statement (age 0-15 and 75+ exempt from fee) | $2.00 per statement |
Pay by phone with debit/credit card or ACH | $15.00 |
Member-initiated online payment by debit/credit card | $10.00 |
Member-initiated online payment by ACH | Free |
Postdated item | $5.00 per item |
Deposited returned check | $20.00 |
Second party returned check | $10.00 |
Stop payment | $20.00 per request |
Coin and currency
Rolled coin order | $0.25 per roll |
Currency order | $0.25 per strap (strap includes 25 bills) |
Loose mixed coin deposit | $5.00 per bag |
Rolled coin deposit | $0.20 per roll |
Deposit bags
Disposable plastic bags | $0.35 per bag |
Reusable zipper bags | $6.00 per bag |
Reusable locking bags | $27.00 per bag |
Debit card
Transaction fee | Free |
Initial debit card | Free |
Replacement card fee, each | $6.00 |
Priority delivery | $25.00 - $36.00 |
Wire transfers
Wire transfer - incoming (domestic) | Free |
Wire transfer - incoming (international) | $40.00 |
Wire transfer - outgoing (domestic) | $20.00 |
Wire transfer - outgoing (international) | $40.00 |
Foreign item (check) processing
Second party returned foreign check fee | $10.00 |
Checks from other foreign countries, payable through foreign banks (for checks less than $2,500 U.S. Dollar equivalent) | $5.00 per item, plus additional correspondent bank fees (ranging from $1.00 - $22.00 depending on the country) |
Correspondent bank fees for collection and courier (for checks greater than $2,500 U.S. Dollar equivalent plus 3rd party bank fees) | $25.00 per item |
Miscellaneous fees
Money order | $2.00 per money order |
Cashier's check | $2.00 per check |
Corporate check | Free |
Fees for specific accounts
Savings account
Undeliverable address fee | $4.00 per month |
Money Market account
Money Market checks (30 checks) | Free |
Business Opportunity Checking
Monthly service charge (includes 100 transactions) | Free |
Additional transactions (more than 100) | $0.20 each |
Business Interest Checking
Monthly service charge (unlimited transactions) | $25.00 |
Online check imaging | Free |
Inactive checking account fee (account inactive >365 days) | $5.00 per month |
IOLTA & IRETA Checking
Monthly service charge if average monthly balance is below $15,000 | $25.00 |
Analysis Checking
Maintenance fees
Monthly service charge | $15.00 |
Depository services
ACH credits received | $0.15 per item |
ACH debits received | $0.15 per item |
Deposited checks | $0.20 per item |
Checks paid | $0.15 per item |
Purchased currency (strap equals 25 bills) | $0.25 per strap |
Purchased rolled coin | $0.25 per roll |
Loose mixed coin deposit | $5.00 per bag |
Rolled coin deposit | $0.25 per roll |
Cash deposit | $0.05 per $100 |
Foreign check deposit ($2,500 or less) | $5.00 per item |
Foreign check deposit (over $2,500 plus 3rd party bank fees) | $25.00 per item |
Returned check | $20.00 per item |
Stop payment | $20.00 per item |
ATM deposit | $0.35 per deposit |
Wire transfers
Wire transfer - incoming (domestic) | $15.00 |
Wire transfer - incoming (international) | $20.00 |
Wire transfer - outgoing (domestic) | $20.00 |
Wire transfer - outgoing (international) | $40.00 |
Miscellaneous fees
Business Digital Banking | Free |
Initial debit card | Free |
Replacement debit card | $6.00 |
Debit card priority delivery | $30.00 |
Account research | $20.00 per hour, $20.00 minimum |
Cleared check copy (first 5 per account per statement are free) | $3.00 per item |
Current month history/statement copy | $5.00 |
Postdated item | $5.00 per item |
Fees ineligible to be offset by earnings credit
Non-sufficient funds (NSF) paid | $28.00 per item |
Non-sufficient funds (NSF) returned | $28.00 per item |
Overdraft POS-ATM | $28.00 per item |
Overdraft transfer from savings or line of credit | $5.00 per occurrence |
Cashier's check | $2.00 per check |
Money order | $2.00 per money order |
Corporate check | Free |
Counter checks (12 checks) | $2.00 |
Empty envelope deposit in ATM | $25.00 |
Paper statement fee | $2.00 per statement |
Pay by phone debit/credit card or ACH | $15.00 |
Member-initiated online payment by debit/credit card | $10.00 |
Member-initiated online payment by ACH | Free |
Inactive checking account (account inactive >365 days) | $5.00 per month |
Disclosure: Truth-in-Savings disclosure for business accounts
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