Effective date: January 1, 2024.

If you have any questions concerning our fees, feel free to call the credit union and one of our friendly representatives will be happy to help you.

Accounts or ServicesFee
Share Draft
Share Draft Account Monthly MaintenanceNo Charge
NSF (Non‐Sufficient funds)$25.00
Insufficient Funds Transfer Fee$5.00
Check Orders and DeliveryFee varies for quantity, style, design, and delivery options
Debit Card
Visa Debit Card Rush Order Fee$25.00
Visa Debit Card Replacement/Reissue Fee$10.00
Returned Check Deposit Fee$25.00
Returned Payment Fee$25.00
Copy of Cancelled Check$5.00
Check Cashing (Non‐Members)$5.00
Stop Payment Request
Stop Payment Check Request (Signature required)$25.00 per stop payment
Stop Payment ACH Request (Signature required)$25.00 per stop payment
Additional Statement of Account per Page for Current Month$1.00
Additional Statement per Month on Previous Months$3.00
Miscellaneous Fees
Excessive Share Savings Withdrawal Fee
Per withdrawal after 6 withdrawals per quarter
Dormant Account
Monthly fee for up to 12 months
Local or Long Distance Fax$3 for 1st page, $1 per page after
Account Research (Per hour / One hour minimum)$20.00
Legal Processing (includes levy, writ, garnishment, subpoena, and requests for information from law)$100.00 each
Official Check to Third Party (After three (3) free per month)$3.00
Incoming Wire$10.00
Domestic Wire Transfer (Outgoing)$20.00
Garnishment and Levy Processing$50.00
Return Statement Mail (After second notification to member)$5.00
Closed Savings (Within first year opened)$5.00
Verification of Deposit$10.00
Club Account Early Withdrawal (Per withdrawal prior to November 1st)$5.00
Travel Money Card Reload$2.00 per reload
New/Replacement Travel Money Card $5.00 per item
Loan Fees
Flood Certification$25.00
Consumer Loan Late Fee (Loan and CU LOC)$30.00
Loan Modification$50.00
Loan Audit/Research$40.00
Skip-A-Month (Per loan)$30.00
Title Fee (GA & FL)Fee subject to change per county in GA
Duplicate Lien Release$25.00
UCC Form Filing (GA & FL)$100.00
GA or FL Mortgage Processing Fee (ARM Residential and/or Raw Land Only)$495.00
GA or FL Mortgage Origination Fee (ARM Residential and/or Raw Land Only).30% of the total loan amount
Mortgage Late Payment Fee (ARM Residential and Raw Land Only)$30.00
Mortgage Force Placed Insurance Processing$50.00
Pay by Phone Fee (ACH debit, Debit card non SPCU account)$10.00 per payment
Individual Retirement Accounts
IRA Transfer Fee$25.00