Fee Schedule

York Educational Federal Credit Union

YEFCU Schedule of Fees
Effective February 10, 2004

Regular Share Accounts Membership Entrance Fee Stork Club Entrance Fee Re-open account < 1 yr after closing Low Balance Fee Inactive Account Account Printout Statement Copies	Fee $ 1.00 No Charge $10.00 $ 5.00 $ 5.00 No Charge $ 2.25
Checking Accounts Monthly Service Charge Check Order (determined by style) Copy of Draft Stop Payment (drafts or ACH debits) Overdraft Transfers 1st or 2nd of the month 3rd through 6th of the month Overdraft Fee Non-Sufficient Funds (NSF) Fee NSF-Fee - Non-Profit Business Account Deposited Checks Returned Unpaid Account Printout Reconciliation of Statements/Research	Fee No Charge At Cost $ 2.25 $10.00 No Charge $10.00 $15.00 $25.00 $ 5.00 $25.00 No Charge $15.00/hour
Certificates Early Withdrawal Fee maturity = or < 1 year maturity > 1 year	Fee 90-days interest 180-days interest
IRA's Withdrawal under age of 59 1/2 Transfer Funds To Another Institution	Fee 10% of withdrawal $10.00
ATM/VISA Check Card ATM Usage Surcharge Card Replacement Fee	Fee No Charge $ 6.00
Loans Automatic Payment NSF Fee Educational Loan Check Copy 1st copy Additional Copies Title Filing with DMV Refinance Charge	Fee $25.00 No Charge $ 2.25 $ 5.00 $50 or costs, whichever is greater
First Mortgages Application Fee Origination Fee	Fee $350.00 0.25 points
Home Equity Loans Advances 1st Advance Minimum Subsequent Advances Appraisal Filing Fee Property Search Satisfaction Fee Flood Certification with "Life of Loan"	Fee limit 3 per quarter $3000 $500 $115.00 $ 48.00 $ 18.00 $ 30.50 $ 18.00
VISA Credit Cards Application Fee Annual Fee Balance Transfer Fee Over-Limit Fee Late Payment Fee Card Replacement Fee	Fee $ 6.00 No Charge No Charge $10.00 $10.00 $ 6.00
Miscellaneous Money Order Wire Transfer Incoming Wire Transfer Outgoing International Wire Transfer Cashiers/Certified Draft Levy/Garnishment TellerLine Transactions 1st 6 per month Additional transactions (each) Returned Mail Fee Member Request For Copies Check Cashing Fee for Non-Member	Fee $ 1.00 No Charge $12.00 $30.00 $1.00 per check $25.00 No Charge $0.25 per transaction at cost $0.05 per copy $1.00
*Western Union QuickCash* Service** Domestic - up to $10,000 International - up to $500 Over $500	Fee $25.00 $35.00 $25.00 + 2% of amount