300 Virginia Street E Room 4203
Charleston, WV 25301

Tel: +(304) 347-3393

ACCOUNTS

 

This note is to give you some information of the type of accounts we offer. Our savings account is the primary account and is paying .35% APY. The initial deposit required to open the account is $27 ($25 minimum balance and a one time $2 opening fee). Our vacation club is paying .45% APY and can be opened at any time. There is a 3 withdrawal per calendar year limit, after the third withdrawal there is a $5 fee. The Christmas club begins in October and pays out at the beginning of the following October. The current APY is .50% and a maximum monthly deposit of $500. There is a $10 withdrawal fee for early withdrawals. For members wanting a higher return, we also have 3, 6, 12, 18 and 24 month Share Certificates. See our rate sheet for the current investment rates.We also offer a checking account that is interest bearing with a yield of .05% APY. This account has no minimum balance requirements, no monthly fees and no transaction charges. As you will note in the disclosure there are some fees that could apply but are only assessed for extraordinary services. You will receive a monthly statement on your checking account but canceled checks are not returned to you.  You can also access your account via the internet.  Simply give the credit union a call and we will set you up for this free service.Once you have been a member for 90 days you will be eligible for an unsecured loan. Secured loans (i.e. shares pledged, car) are available immediately. Please give us a call for the current rates and terms.To receive a membership card, please call the number listed above and we will verify eligibility and send the card to you in the mail.

Please do not hesitate to call or e-mail us if you have any questions!! Our business hours are 9:00 a.m. to 4:00 p.m. Monday thru Friday.


Fee Schedule

Share Account Fees

  • Christmas Club Early Withdrawal fee: $10.00 per withdrawal.
  • Vacation Club Excess Withdrawal fee: $ 5.00 per withdrawal after three (3) withdrawals in a year.

Share Draft Account Fees

  • Overdraft fee: $ 2.00 per item after two(2)overdrafts per calendar month.
  • NSF fee: $15.00 per item.
  • Returned Item fee: $15.00 per item.
  • Stop Payment fee: $ 5.00 per request.
  • Share Draft Printing fee: Prices may vary depending upon style.

Other Services Fees (applicable to all accounts)

  • Account Reconciliation fee: $10.00 per hour.
  • Account Research fee: $10.00 per hour.
  • Statement Copy fee: $ 3.00 per copy.
  • Deposited Item Return fee: $15.00 per item.
  • Wire Transfer (incoming) fee: $ 5.00 per transfer.
  • Wire Transfer (outgoing) fee: $10.00 per transfer.
  • Money Order fee: $ 1.00 per order.
  • Travelers Check fee: $ 1.00 per $100.00,
  • Photocopy fee: $ 3.00 per item.

Credit Union Membership

  • Membership Share: $25.00 par value, upon joining the credit union.
  • Membership fee: $ 2.00 upon joining the credit union.

The rates and fees appearing in this Schedule are accurate and effective for 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.