Rates & Fees

Savings Rates:

Effective: March 01, 2011

Account Type	Minimum To Open	Minimum Balance To Earn A.P.Y.	Dividends Compounding & Crediting Frequency	Dividend Rate	Annual Percentage Yield
Shares	$5	$100.00	Monthly	0.00%	0.00%
	$5	$100.01 - $2,500.00	Monthly	0.04%	0.05%
	$5	$2,500.01 - $10,000.	Monthly	0.09%	0.10%
	$5	$10,000.01 - +Over	Monthly	0.09%	0.10%
Share-IRA	$0.00	$0.00	Quarterly	0.24%	0.25%
5 Year CD-IRA	$1,000.00	$1,000.00	Quarterly	0.99%	1.00%
3 Year CD-IRA	$1,000.00	$1,000.00	Quarterly	0.49%	0.50%
2 Year CD-IRA	$1,000.00	$1,000.00	Quarterly	0.39%	0.40%
1 1/2 Year CD-IRA	$1,000.00	$1,000.00	Quarterly	0.29%	0.30%
1 Year CD-IRA	$1,000.00	$1,000.00	Quarterly	0.24%	0.25%
5 Year CD	$1,000.00	$1,000.00	Quarterly	0.89%	0.90%
3 Year CD	$1,000.00	$1,000.00	Quarterly	0.39%	0.40%
2 Year CD	$1,000.00	$1,000.00	Quarterly	0.29%	0.30%
1 1/2 Year CD	$1,000.00	$1,000.00	Quarterly	0.19%	0.20%
1 Year CD	$1,000.00	$1,000.00	Quarterly	0.14%	0.15%
6 Month CD	$1,000.00	$1,000.00	Monthly	0.09%	0.10%
3 Month CD	$1,000.00	$1,000.00	Monthly	0.04%	0.05%
Money Market	$2,500.00 $10,000.00	$9,999.99 And over	Monthly Monthly	0.09% 0.09%	0.10% 0.10%
Club Account	$0.00	$0.00	Monthly	0.09%	0.10%

Rates are subject to change without notice. There is a substantial penalty for early withdrawal from Certificates. The daily balance method is used to calculate interest (the amount of principal in the account each day). Federally insured by N.C.U.A.

Fees:

Fee Schedule Effective 08/15/2011

Fees Common to All Accounts:

Copy of Statement (per page) ___________________________________________ $1.00
Copy of history of account since last statement (per page) _____________________$1.00
Wire funds out ______________________________________________________ $12.00
Wire funds out (outside of the U.S.) _____________________________________ $50.00
Wire funds in ________________________________________________________ $3.00
Photocopy (per page, 2 per day no charge) _________________________________$0.25
Fax charge (each page) ________________________________________________ $1.00
Loan Application/Reapplication fee _______________________________________ $10.00
Cashier's Check (per check) _____________________________________________ $2.00
Dormant Account
(no member-generated activity, e.g. deposits or withdrawals, within 18 months
(18 yrs and under exempt) per month) _____________________________________ $5.00
Return of deposit items _______________________________________________ $10.00
Stop Payment (per cashier's check) ______________________________________ $50.00
Nonsufficient Funds fee (per item)
including Automated Withdrawals, ACH, etc. _______________________________ $29.00
Non-Automated Telephone Transfer Fee __________________________________ $2.00
Account Research (per hour, 1 hour minimum) ______________________________$25.00
Return Mail __________________________________________________________ $4.00
Legal Processing Fee (garnishment, tax levy, etc.) __________________________ $50.00
Account closing within 90 days of opening _________________________________ $5.00
Non-Member cashing of Member's check __________________________________ $2.00
Cashing of Payroll Checks (if account balance < $100) ________________________ $2.00
Paper Statement (per original mailing) _____________________________________ $1.00

Checking

Stop payment fee (per draft) ___________________________________________ $20.00
Returned Insufficient Funds (per draft) ____________________________________ $29.00
Copy of Check (per draft) _______________________________________________ $5.00
Check Printing _____________________________________ varies with style and quantity
Below Average Monthly Balance
of $250.00 - checking (per month) ________________________________________ $2.00
Charge per check - checking _________________________________________ no charge
Overdraft Protection (per item) ___________________________________________ $5.00
Temporary Checks (4 per sheet) _________________________________________ $2.00

Money Market Accounts

Balances below $2,500 (per month) ______________________________________ $10.00
Regulatory Fee - over 6 trans./month ______________________________________ $5.00

ATM Card/VISA Check Card

ATM/VISA Check Card Fee _________________________________________ no charge
ATM trans. - IRFCU Proprietary ATMs & Presto ATMs ____________________ no charge
ATM trans. - STAR, PLUS, & CU 24 locations -
inquiry, transfer, or withdrawal ___________________________________________ $1.50
Point of Sale (POS) merchant locations ____________________________________ $0.25
Reissue card lost/stolen _______________________________________________ $10.00

VISA Credit Card

Application Fee ______________________________________________________ $10.00
Reissue card lost/stolen _______________________________________________ $10.00
PIN Replacement Fee ________________________________________________ $10.00
Over the credit card limit ______________________________________________ $15.00
Late Payment Fee ___________________________________________________ $20.00
Return Payment Fee _________________________________________________ $20.00
Priority card issuance plus postage ______________________________________ $25.00
Copy of Sales Draft ___________________________________________________ $2.00
Statement Copy Fee __________________________________________________ $1.00
Foreign Transaction Fee ________________________________________ 1.00% of each
                                                                                                   transaction in U.S. dollars

Safe Deposit Box

Yearly Rental Fees:

    3 X 5 = $15.00               3 X 10 = $30.00
    5 X 10 = $50.00            10 X 10 = $85.00

Drilling Fee ________________________________________________________ $150.00
Key Replacement ___________________________________________________ $20.00

 

Federally insured to $250,000. NCUA National Credit Union Administration, a U.S. Government Agency.