Fees & Disclosures

Important Disclosures

Fee Schedule

Regular Share Savings Accounts Fees

Effective January 1, 2022
Fee TypeAmount
New Account Set-up Fee$1.00
Stork Club Entrance Fee (6 months & younger)None
Re-open Account less than 1 year after Closing$10.00
Low Balance Fee*$1.00
Dormant Account (After 12 months)$1.00/mo
Statement Copies$3.00 each
*Low Balance Fee is assessed monthly on accounts not maintaining a $5.00 balance.

Share Draft Checking Accounts Fees

Effective January 1, 2022
Fee TypeAmount
Monthly Service ChargeNone
Share Draft Check OrderDetermined by Style
Copy of Draft$3.00
Stop Payment (Drafts or ACH Debits)$30.00
Overdraft Transfers (6 per month)$30.00
Non-Sufficient Funds (NSF) Returned Draft Fee$30.00
NSF Fee - Non-profit Business Account$5.00
Deposit Checks Returned Unpaid$30.00
Courtesy Pay (Per Item)$30.00
Reconciliation/Research $25.00/hr

ATM/MasterCard Debit Card Fees

Effective January 1, 2022
Fee TypeAmount
ATM Usage SurchargeNone
Card Replacement Fee$5.00
Card Expedite Fee $60.00
Card PIN Expedite Fee$60.00

Check Cashing Fees

Effective January 1, 2022
Fee TypeAmount
Fee to non-member$3.00

Miscellaneous Fees

Effective January 1, 2022
Fee TypeAmount
Wire Transfer IncomingNone
Wire Transfer Outgoing$25.00
International Wire Transfer$35.00
Cashiers/Certified Draft (first draft free)$3.00/check
Levy; Garnishment; Writ; Domestic Relations; or Escheat$50.00
Returned Mail Fee$2.50
Paper Statement Fee* (*effective Nov. 1st, 2021)$1.00/month

Western Union QuickCash Service Fees

Effective January 1, 2022
Fee TypeAmount
Domestic - Up to $10,000$25.00
International - Up to $500$35.00
International - Over $500$25.00 plus 2% of amount

IRA Fees

Effective January 1, 2022
Fee TypeAmount
Withdrawal Under the Age of 59 1/210%
Transfer Funds to Another Institution$10.00

Certificates Fees

Effective January 1, 2022
Fee TypeAmount
Early Withdrawal for a maturity of 1 year or less90 Days Interest
Early Withdrawal for a Maturity of Greater than 1 year180 Days Interest

VISA Gift Card Fees

Effective January 1, 2022
Fee TypeAmount
Gift Card Purchasenone
Inactivity Fee - After 6 consecutive months$3.00/mo
Phone Inquiry Fee (1st 4 free)$.50
Currency Exchange Feeup to 2% of transaction
Close lost/stolen Card$10.00
Maximum Daily ATM Cash Withdrawal$310

Travel Money Card Fees

Effective January 1, 2022
Fee TypeAmount
Card Purchase$10.00
Reloads - 3 maximum$2.00
ATM Withdrawal - U.S.$1.50
ATM Withdrawal - International$2.00
Over-The-Counter-Cash Withdrawal (Close Card)$15.00
Inactivity Fee - After 12 consecutive months$5.00/mo

Lending Fees

Effective March 15, 2022
Fee TypeAmount
Automatic Payment Late Fee$30.00
Educational Loan Check Copy (1st Copy)No Charge
Educational Loan Check Copy (Additional Copies)$3.00
Title Filing with DMV$10.00
PennDOT Fee to Record Title Lien$86.00
Processed Loan Cancellation Fee$50.00

Visa Credit Card Fees

Effective January 1, 2022
Fees
Application FeeNone
Annual FeeNone
Balance Transfer FeeNone
Foreign Transaction Fee1.00% of each transaction in U.S. dollars
Late Payment Fee (10+ days)up to $25.00 or minimum payment (whichever is less)
Return Payment Feeup to $30.00 or minimum payment (whichever is less)
Card Replacement Fee$6.00
Card Expedite Fee$30.00

First Mortgage Fees

Effective January 1, 2022
Fee TypeAmount
Application Fee$350.00
Origination FeeNone

Home Equity Loans Disclosure and Fees

Effective March 15, 2022
Minimum AdvancesAmount
1st Advance
Subsequent Advances
$5,000.00
$500.00
Application Fee – Includes:
• Electronic Appraisal ($70.00)
• Filing ($103.25 max.)
• Property Search ($37.25)
• Document Preparation ($139.00)
• Flood Certification ($12.50)
$362.00 max.
Application Fee w/ Full Appraisal of $350$642.00 max.
Satisfaction Fee$95.00
Subordination Fee$95.00