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Home > Business Services > Business Rates & Fees

Business Rates & Fees

Savings
Effective Date: Friday, January 18th, 2019, 12:00am ET.
Primary Share - Minimum Opening Balance: $5; Minimum Balance to Earn Dividends: $5; Compounded Quarterly
Other Savings - Minimum Opening Balance: $0; Minimum Balance to Earn Dividends: $1; Compounded Quarterly
Account InformationInterest RateAPY
Primary Membership Share Account 0.250% 0.250%
Other Savings 0.250% 0.250%

Truth in Savings Disclosure

High-Yield Deposit Account
Effective Date: Friday, January 18th, 2019, 12:00am ET.
Requires a minimum opening balance of $1000 and compounded monthly
NameInterest RateAPY
$1,000.00 to $24,999.99 0.349% 0.350%
$25,000.00 to $49,999.99 0.399% 0.400%
$50,000.00 to $99,999.99 0.449% 0.450%
$100,000.00 or higher 0.499% 0.500%

Truth in Savings Disclosure

Special Certificate Rates for Business
Effective Date: Friday, January 18th, 2019, 12:00am ET.

All certificates require a $500 minimum balance to open the account and earn the stated APY, compounded monthly. For certificates of $100,000.00 or more, contact the credit union for current rates. Substantial penalty for early withdrawal; call the credit union for complete disclosures.

Withdrawals only at maturity.

Certificate TermInterest RateAPY
14 Month Special 2.472% 2.500%
49 Month Special
* NEW MONEY TO CU ONLY
3.203% 3.250%
68 Month Special 3.203% 3.250%

Truth in Savings Disclosure

Certificates of Deposit Account
Effective Date: Friday, January 18th, 2019, 12:00am ET.
Certificate TermInterest RateAPY
6-11 months 1.144% 1.150%
12-17 months 1.638% 1.650%
18-23 months 1.736% 1.750%
24-35 months 2.129% 2.150%
36-47 months 2.423% 2.450%
48-59 months 2.570% 2.600%
60 months 2.813% 2.850%

Truth in Savings Disclosure

Business Checking Beyond
Effective Date: Friday, January 18th, 2019, 12:00am ET.
Compounded Monthly
Account InformationInterest RateAPY
Balances from $0.00 to $9,999.99 0.25% 0.25%
Balances from $10,000.00 to $24,999.99 0.25% 0.25%
Balances from $25,000.00 to $49,999.99 0.25% 0.25%
Balances from $50,000 to $999,999.99 0.25% 0.25%
Balances from $1,000,000 or higher 0.25% 0.25%

Truth in Savings Disclosure

Standard Fees

Internet Account Access FREE
Internet Bill Payer Service FREE
Copy of Statement $2.00 minimum, $.50 per page
Counter Checks (Standard Package) 4 for $1.00
Money Orders $2.00 each
Printed Checking Account Histories $1.00 per page
Photocopies of documents 2 free copies, $.25 additional page
Personal FAX $.50 per page
Replace lost/damaged ATM or Visa debit/credit card $5.00
Replace lost/forgotten P.I.N. (Mail Only) $5.00
Stop Payment on personal checks,
pre-authorized drafts and electronic payments
$30.00
ACH Rejected Item $5.00
Third Party Corporate Check Withdrawal 2 free/month; $5.00 each for bill paying
Personal Checking Account No monthly account fee
NSF returned item, Check or EFT $30.00
Overdraft Charge per item, Check or EFT $30.00
Deposited Checks Returned (your account - personal or business) $30.00
Deposited Checks Returned (third-party check) $10.00
Copies of checks cleared 4 FREE per year; $2.00 per additional
Outgoing Wires $20.00 Domestic
Incoming Wires $10.00
Copies of Visa Check Card purchase receipt $6.00
Check printing Prices vary
Research Requests $25.00 per hour + $1.00 per copy; $25.00 minimum
Account Reconciliation $25.00 per hour
Early Membership Closure (closed within 90 days of opening) $10.00
Monthly Dormant Account Fee (Dormant 12 months or greater)** $10.00
Returned Mail Fee $5.00
Verification of Deposit/Loan $10.00
Escheat/Garnishment/Levy Fee $50.00
ATM Balance Inquiry (non Wildfire/Co-Op) $2.00
High Yield Deposit Account Withdrawal Fee 3 free per month, $25 for each exceeding three, maximum of 6 withdrawals per month
IRA Transfer $25.00
Visa Gift Card minimum amount of $25.00 maximum of $1000.00 with $2 member fee and $5 non-member fee
Statement Check Imaging Fee (per share ID) Business Accounts Only $3.00 per month
Business Checking transaction fee (if over monthly minimum)***
Small Business Checking = 200 per month
Business Checking Beyond = 500 per month
Business Checking Optimize = 1,000 per month
$0.35 per item
Small Business Checking No monthly maintenance fee
Business Checking Beyond
(if $5,000 min mo. avg. bal. not met)
$15.00 monthly maintenance fee
Business Checking Optimize
(if $10,000 min mo. avg. bal. not met)
$20.00 monthly maintenance fee

**Applies to accounts that do not maintain an aggregate of $200 on deposit or loan of any amount.

***Transactions include checks paid, withdrawals, deposits, items deposited, ACH credits and debits.

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