Rates & Fees Directory
Last update March 15, 2012
Investment Rates
$2,500 minimum opening deposit; withdrawals subject to EFT regulations.
APY = Annual Percentage Yield.
*$500 minimum balance; withdrawals may be subject to penalty of up to 90 days of dividend for a 12month or less term and 180 days for all other terms.
**Early withdrawals may be subject to a penalty of 180 days of dividends.
Loan Rates
*Click here for Loan Disclosures: Credit Agreement/Truth in Lending or Home Equity Line of Credit Disclosures
APR = Annual Percentage Rate. Loans are subject to credit approval. Loan rates and terms are based on credit worthiness and collateral. All rates and terms subject to change without notice. Please call for current rates, terms and details.
Fee Schedule
Fee Schedule Effective February 15, 2011
| Share Draft Account Fees | |
| NSF/Courtesy Pay Fee (Draft, ACH) | $35.00/item |
| NSF (Debit Card) | $35.00/item |
| Stop Payment on One Draft | $35.00/request |
| Stop Payment on ACH Debit | $35.00/request |
| Share Draft Printing | Prices vary depending on style |
| Share Draft Copy | $3.00 each draft, Free Online |
| Other Service Fees (applicable to all accounts) | |
| Account Reconciliation | $30.00/hour, 1 hour minimum |
| Account Research | $30.00/hour, 1 hour minimum |
| Mailed Statement | $2.00/ea, Free e-statements |
| Statement Copy | $1.00/page, Free Online |
| Deposited Item Return | $10.00/item |
| Wire Transfer (Incoming) | $5.00/transfer |
| Domestic Wire (Outgoing) | $20.00/transfer |
| International Wire | $40.00/wire |
| Western Union Wire | $20.00/wire |
| Garnishments/Levies | $65.00 |
| Credit Union Check | $3.00 unless payee is member |
| Deposit of Self-to-Self Item Return | $35.00 self-to-self/another financial institution |
| Money Order | $2.00 each |
| PIN Number Reissue | $5.00 |
| Replacement/Extra Card | $15.00 |
| Debit Card Sales Draft Copy | $12.00/copy |
| International Card Transaction | 1% |
| Update NSF Account/Certegy Card File | $2.00/change |
| Collection Item | $15.00 |
| Signature Guarantee | $15.00 by appointment only |
| Notary Member | Free |
| Notary Non-Member | $5.00 |
| Early Account Closure | $20.00, first 60 days |
| IRA Account Closure | $25.00 |
| Account Closed by Credit Union | $25.00 |
| ATM Card Annual Fee | $15.00 |
| Gift Card Issuance | $5.00/card |
| ATM Adjustment | $7.00/adjustment |
| Empty ATM/Deposit Envelope | $35.00 |
| Bad Address | $5.00/month |
| Stop Payment on Official Check | $35.00 for filing claim on BME official check |
| Check Cashing | $5.00 for non-active members and "On-Us" checks |
| Coin Counting | 5% of amount if total over $200.00 |
| Foreign Drafts | $10.00 |
| Verification of Deposit | $10.00 |
| Inactive Account | $10.00/month after 12 months |
| IRA Account Opening | $25.00 |
| Health Savings Account Opening | $25.00 |
| Health Savings Account Closure | $25.00 |
| Re-Opening of an Account | $20.00 |
| Excessive Transfers from Money Market Account | $5.00/each over 6 |
| Administration Fee on Escheat Accounts | $25.00 |
| Non-Real Estate Loan Modification | $30.00 |
| Cash Advances for Non-Members | $15.00 |
| Internet | |
| Internet Account Access | FREE |
| Internet Bill Payment | FREE and unlimited |
| Electronic Funds Transfer Fees | |
| ATM Withdrawal at BME ATMs | First 8 free, then $3.00/ withdrawal |
| ATM Withdrawal at Co-Op ATMs | First 8 free, then $3.00/ withdrawal |
| ATM Withdrawal at Other ATMs | First 4 free, then $4.00/ withdrawal |
| Debit Card Annual Fee | Free |
| Rush Order on a Card | $30.00 |
| Share Value/Membership Fee | |
| Par Value of One Share | $5.00 |
| Membership Fee | $1.00 - one time only charge |
| Loans | |
| Late Fee on Delinquent Auto Loans with a Ten Day Grace Period | $15.00 |
| Late Fee on all other Delinquent Loans with a Ten Day Grace Period | $25.00 or 3%, whichever is greater |
| First Mortgage Loan Modification | $500.00 |
| Loan Coupon Payment Books | $10.00 |
The rates and fees appearing with this schedule are accurate and effective for accounts as of the effective date indicated on this Truth-in-Savings Disclosure. If you have questions or require current rate and fee information on your accounts, please call the Credit Union.
