Fee Schedule

Deposit Accounts

• Money Market Accounts
  • Service Charge - $5 during statement cycle if the balance falls below $500
  • Excessive Transaction Fee - $25 per each debit transaction in excess of 6 per statement cycle
  • Insufficient Funds Fee - $25 per item
  • Stop Payment Fee - $25 per item
  • Return Item Fee - $5 per item
• Certificates of Deposit
  • If you withdraw monies from your Certificate prior to the maturity date, an early withdrawal penalty will be assessed based on the term of the CD.

Loan Accounts

• Vehicle Loans
  • Loan Fee - $99
  • Minimum Finance Charge of $250- This will only apply if over the life of the loan you do not pay $250 of interest.
• Home Equity Loans
  • Loan Fee - $199
  • Closing Costs will vary from state to state. Please contact us for an estimate.
• Home Equity Lines of Credit
  • No closing costs on most loans of $100,000 or less
  • Customers in Tennessee, Kansas, and Kentucky must pay mortgage/revenue stamps - fees vary from state to state
  • The bank reserves the right to require an appraisal or title insurance when underwriting warrants.
  • Minimum Finance Charge of $400 - This will only apply if over the 15-year life of the loan you do not pay $400 of interest.
• Real Estate First Mortgages
  • Loan Fee - $299
  • Closing Costs - Please contact the bank for an estimate
  • Escrow for taxes and insurance required on loans in excess of 80% loan-to-value
• Investment Property Loans
  • Loan Fee - $299
  • Closing Costs - Please contact the bank for an estimate
• Commercial Real Estate Loans
  • Loan Fee - $399
  • Closing Costs - Please contact the bank for an estimate

Other Items

• Wire Transfer Fees (outgoing) - $25
• Account research fee - $15 per hour
• Garnishment Fee - $25 per occurrence
• Overnight Mail Fee - $25