Please note: This is a brief summary of all of our fees and to be used as reference only. For more detailed fee information, please see our Truth in Savings disclosures that pertain to each account you may be interested in.

Main Share Account
Minimum Deposit	$25.00 ($5.00 if age 17 or less) per member on account
Minimum Balance to Earn Dividend	$50.00 ($5.00 if age 17 or less)
Returned Third Party Deposit	$10.00 per check returned
Share Stop Payment	$20.00 per stopped payment
Share Check Copy	$15.00 per check copy
Share Withdrawal	None (excluding third party checks)
Holiday and Vacation Club Account
Minimum Deposit	None
Minimum Balance to Earn Dividend	None
Closeout/Early Withdrawal	$15.00 per transaction
Share Certificate Regular
Minimum Deposit	$1,000.00
Renewability of Account	Automatic
Early Withdrawal Penalties	Equal to three months dividends on accounts with maturities of up to one year and equal to six months dividends on accounts with maturities of one year or greater
Money Market
Minimum Deposit	$2,500.00
Returned Check Fee	$25.00
Excess Transfers and/or Withdrawals	$25.00 each
Share Certificate Premium
Minimum Deposit	$50,000.00
Renewability of Account	Automatic
Early Withdrawal Penalties	Equal to three months dividends on accounts with maturities of up to one year and equal to six months dividends on accounts with maturities of one year or greater
Individual Retirement Account
Minimum Deposit	None
Minimum Balance to Earn Dividend	None
Individual Retirement Share Certificate Account Regular
Minimum Deposit	$1,000.00
Renewability of Account	Automatic
Early Withdrawal Penalties	Equal to three months dividends on accounts with maturities of up to one year and equal to six months dividends on accounts with maturities of one year or greater
Individual Retirement Share Certificate Account Premium
Minimum Deposit	$50,000.00
Renewability of Account	Automatic
Early Withdrawal Penalties	Equal to three months dividends on accounts with maturities of up to one year and equal to six months dividends on accounts with maturities of one year or greater
Checking Accounts
Minimum Deposit	None
Monthly Fee -- Basic Checking	None
Monthly Fee -- Dividend Checking	$5.00 per month
Checking Transfer Fee	$12.00 per transaction
Returned Check	$25.00 per check returned
Returned Third Party Deposited Check	$10.00 per check returned
Check Exception	$15.00 per check exception
Stop Payment (incl. Bill Payer)	$20.00 per stopped payment
Check Orders	Prices will vary
Check Copies	Free self service (if available) with eStatements enrollment. For checks having cleared within prior three calendar months of request (not obtained via eStatements):    If member has direct deposit of net pay or retirement benefits: three free per month, $3.00 each additional copy thereafter    All other members: $3.00 per copy For checks having cleared more than three calendar months to request:    $10.00 per copy plus $25 per hour research fee
Automatic Teller Machines
Free transactions per month	Credit Union-owned ATMs: Unlimited Non-RTN FCU ATMs: 5 free, per month, from checking if enrolled in the Performance Package All transactions free if enrolled in the Infinity Club
Additional transactions	Non-RTN FCU ATMs: » Members enrolled in the Infinity Club, Student Package and Liberty 24 programs do not pay ATM fees. All other members: » $1.25 each from the Main Share account and/or » transactions over the 5 free allowed per month from checking if enrolled in the Performance Package
Deposit Fee	None -- Unlimited
Maximum Withdrawal	$500.00 per day
Replacement Card	$15.00 after first replacement card
ATM/Debit card/point of sale (POS) Overdraft	$15.00 per overdraft
Point of Sale Item Fee	Free (max. purchase limit amount per day $1,000)
Miscellaneous
Bill Payer	Free if enrolled in the Performance Package or the Infinity Club. Otherwise, free for first 90 days, $3.00 per month thereafter
3rd Party Checks	$2.00 per check
Foreign Check Collection (See Exchange Rate footnote)	$50.00 per non-Canadian check. Canadian Checks: 1% of US Dollar value, minimum $10.00, maximum $100.00
Traveler's Checks	Free / $.50 per $100 "Checks for Two"
American Express Gift Checks	$2.50 per check
Wire Transfers (See Exchange Rate footnote)	Incoming None Outgoing Domestic (US) — $30.00 per transfer International — US Dollar exchange: $40.00    Exchange rate quoted in advance: $75.00
Research (incl. Bill Payer)	$25.00 per hour
Statement Copies	$5.00 per statement
Online Printout	$4.00 per printout
Abandoned Property Account Levy Fee	$50.00 per account $25.00 per account
The fees and charges are accurate as of the date published above, subject to change and replace all previously quoted fees and charges. Please call a Member Services Representative at 1-800-338-0221 to obtain current fee information.
Exchange Rate footnotes Foreign Check Deposits The Credit Union uses a third party to convert foreign checks into U.S. dollars for deposit into members’ accounts and/or for members’ loan payments. Due to the limited quantity of these items we receive, we are subject to current market forces and exchange rates for low-dollar amount transactions. The exchange rate quoted in major publications and online financial sites are usually for multi-million dollar transactions and can vary significantly from the exchange rate that we are able to obtain on behalf of our members. The Credit Union passes through to members dollar-for-dollar what it receives when converting foreign checks into U.S. currency. The only Credit Union charges imposed are those clearly stated on our fee schedule.   What can members do to have better control over the exchange rate on non-U.S.-based checks and wire transfers? If possible, we recommend members consider exchanging non-U.S. currency checks and/or wire transfers into U.S. dollars at the point of origin prior to making a deposit or loan payment. In so doing, members know up front exactly what the exchange rate — and fees, if applicable — will be prior to conducting a transaction. The Credit Union will then be receiving U.S. funds and will process the deposit/loan payment to the members’ account.   Outgoing foreign wire transfers If a member is interested in sending funds to a foreign country, we recommend members convert U.S. dollars into the receiving country’s currency PRIOR to sending the wire. By so doing, the member knows — and agrees — at the point of origin what the exchange rate will be and also knows the proper amount in the foreign currency that will be transferred to the receiving party. The Credit Union provides this service to members.     A note regarding exchange rate risk   Regardless of how a member structures these types of transactions, it is the member who ultimately assumes any inherent risk associated with fluctuating exchange rates. The Credit Union passes through to members dollar-for-dollar what it receives when converting foreign items into U.S. currency.