Incol Credit Union | Fee Schedule

Incol Credit Union

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*Unavailable funds fee ….. $10.00 per item

* NSF fee: ……..………..… $ 20.00 per item.

* Return item fee: …….……. $20.00 per item.

* Items drawn on Closed Acct $15.00 per item.

* Stop Payment fee: ……….... $ 15.00 per item.

* Photocopy fee for last 6 months $ 5.00 per item.

* Overdraft protection up to $500.00 ….$30.00 per item for those that are qualified

* Monthly Cardholder fee: ... $1.00 per month (includes 8 POS / 8 ATM transactions)

* Insufficient funds fee: $20.00 per transaction.

* Replace damaged card: ……. $ 5.00 per card.

* Replace lost card: ………. $ 5.00 per card.

* After 3 replacements in 1 year… $10.00 per card

* PIN requests: …………. $ 5.00 per request.

* Immediate balance update: $5.00 per request.

*ATM discrepancy / empty envelope $10.00

*Late Loan Payment fee…. $20.00 per month

* Cashier’s Checks… $ .75 if they do not have checking with us (unless loan proceeds)

* Account Research: $ 25.00 per hour (1 Hour Minimum)

* Statement Copy: …… $ 5.00 per month printed

* Deposited Item Return fee: $10.00 per item.

* Re-deposit Item fee: $ 3.00 per item

* International Wire Fee…… $30.00 per transfer

* Outgoing Wire Transfer:…. $15.00 per transfer

* Incoming Wire Transfer:…. $5.00 per transfer

* Certified Check fee: …….. .$ 5.00 per check.

* Money Order fee: ………… $ 0.75 per item.

* Stop Payment on Money Order or Cashiers Check……:$ 5.00 per item.

*Bad Address……… $5.00 / month

*Subpoena/ Levy/ Escheat…. $25.00

*Returned Money Order….. $10.00

* Inactive Accounts Fee: …$ 1.00 per month (over $100.00 balance and inactive only gets 1 statement a year)

(After three (3) months on an account balance under $100.00.) Charged quarterly

Home Banking /Full Service - $5.00 monthly

Account numbers < 5000 require a $50.00 minimum balance. Account numbers >5000 require $100.00 minimum balance if no other services. If only a share account, 2% fee to cash checks.

INCOL CREDIT UNION Membership

* Membership Share: ……..$ 25.00 par value

(Initial deposits)

The rates and fees appearing in this Schedule are accurate and effective for deposit accounts as of the Last Dividend Declaration Date indicated on this Rate and Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

6/08/2010

	The rates, fees, and terms applicable to your account at INCOL CREDIT UNION are provided in this Rate and Fee Schedule
	INCOL CREDIT UNION may adjust these rates for these accounts from time to time
	Last Dividend Declaration Date: 06/08/2010
			RATE SCHEDULE
		Share Account	IRA Share Account	Share Certificates$10,000.00 >	Club accounts	Share Draft
	DIVIDENDS DIVIDEND RATE / ANNUAL PERCENTAGE YIELD	$25-$10,000.00 .25% APY .25 > $10000.00 .75% APY .75	1.75% APY 1.76	1 year-1.00%	0.25% APY .25	none
	Dividends Compounded	quarterly	quarterly	quarterly	quarterly	quarterly
	Dividends credited	quarterly	quarterly	quarterly	quarterly	quarterly
	Dividend Period	Calendar Quarter	Calendar Quarter	Calendar Quarter	Calendar Quarter	Calendar Quarter
	Minimum Opening Deposit	$25.00
	Minimum Balance to Avoid a Service Fee	$100.00		Average Daily Bal.	Average Daily Bal.
	Minimum Balance to Earn the Stated APY	$25.00			$25.00
	Balance Method	Average Daily Bal.	Average Daily Bal.	Average Daily Bal.	Average Daily Bal.	Average Daily Bal.

	Truth-In- Savings Account Disclosures


	Except as specifically described, the following		2. Nature of Dividends. Dividends are paid from current		5. Balance Information. The minimum balance require-
	disclosures apply to all of the accounts		income and available earnings after required transfers to		ments applicable to each account are set forth in the Rate
	1. Rate Information. The Annual Percentage Yield is		reserve at the end of the dividend period.		Schedule. For all accounts using an Average Daily Balance
	a percentage rate that reflects the total amount of divid-				method, dividends are calculated by applying a periodic rate
	ends to be paid on account based on the dividend rate		3. Dividend Compounding and Crediting. The com-		to the average daily balance is determined by adding the
	and frequency of compounding for an annual period.		pounding and crediting of dividends and dividend periods		full amount of principle in the account for each day of the
	For all accounts, the Dividend Rate and Annual Percent-		applicable to each account are set forth in the Rate Schedule.		period and dividing that figure by the number of days in
	age Yield may change quarterly as determined by the		The Dividend Period is the period of time at the end of		the period.
	Credit Union's Board of Directors. The share account is		which an account earns dividend credit. The Dividend rates
	a Tiered Rate account. If your account balance is		and Annual Percentage Yields are the rates and yields as		6. Account Limitations. For all acounts, no account
	$1,000.00 or below, the first Dividend Rate and Annual		the last		limitations apply.
	Percentage Yield listed for this account in the Rate
	Schedule will apply. If your account is greater than		4. Accrual of Dividends. For all accounts, dividends will		7. Credit Checks. A credit check may be run prior to
	$1,000.00, the second Dividend Rate and Annual Per-		begin to accrue on noncash deposits (e.g. checks) on the		acceptance as a member.
	centage Yield listed for this account will apply. Once a		business day you make the deposit to your account. For
	particular balance range is met, the Dividend and Annual		Share, IRA, Christmas Savings, Special Savings and Share
	Percentage Yield for that balance range will apply to the		accounts, if you close your account before accrued
	full balance of your account.		dividends are credited, accrued dividends will not be paid


Kingston Office The New Bridge Center 480 Pierce Street Suite 120-121 Kingston, PA 18704 Tel: 570-288-2326 / 570-288-2327 Hours: 9 to 5 Mon.-Thurs. 9 to 6 Friday	Old Forge Office 510 Bridge Street Old Forge, PA 18518 Toll Free 1-800-698-0101 Tel: 570-457-8899 • Fax: 570-457-8986 Hours: 8:30 to 5 Mon.-Thurs. 8:30 to 6 Friday
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