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Service Fees

Checking Fees

FREE Checking – Free

Premium Checking monthly fee (if balance falls below $250 at any time) – $5.00 (+tax), no fee if age 62+

Fresh Start Debit Account monthly fee – $8.00 (+tax)

Business Checking monthly fee – $8.00 (+tax)

Account activity printout (one free per week) – $1.00

Deposited Items Returned – $10.00

Draft printing – (fee depends on style of draft ordered)
Club Duplicates, 120 checks – contact us for current price.

Overdraft Fee/Nonsufficient funds (per item) – $30.00 ($150 per day maximum)

Stop payments (all items) – $18.00 (plus tax)


Debit Card Fees

Replacement of lost/stolen card– $10.00

Unlimited ATM withdrawals at Priviledged Status ATM’s – FREE

Unlimited Debit Card Usage– FREE

Deposit – free (Not allowed on Fresh Start Debit Accounts)

Pin replacement (first time free) – $5.00 each time.

Other Account Fees

Account balancing assistance – $20.00 per hour (Minimum – $20.00)

Early Account Closure Fee (within 90 days) – $10.00

Account research – $20.00 per hour (Minimum – $20.00)

Coin counting – Members – FREE

Copy of draft/check – $2.00

Cashier’s Check – $3.00

EE/E/I Bond redemption – FREE

Levies & Garnishments – $25.00

Money order – $1.00

Notary Service – FREE

Medallion Signature Guarantee – $20.00 (Established Members Only)

Return Mail Fee – $5.00/month

Dormant Account Fee – $5.00* monthly

Membership Savings Accounts falling below a $5.00 balance will be closed.

Safe Deposit Boxes:
Small $15.00/yr
Medium $30.00/yr
Large $45.00/yr
Extra Large $60.00/yr
Lost Key Charge – One Key $10.00
Lost Key Charge – Both Keys – At Cost ($300 minimum)

Wire transfer (Incoming or Outgoing)
Domestic – $15.00
International – $35.00+Cost

VISA Gift Card $4.00

VISA Travel Card $6.00

VISA Travel Card Reload $3.00


CO-OP Shared Branching
Everyday Transactions – FREE
Products from participating credit unions – Prices May Vary

Courtesy Pay Limit – $300.00 – Courtesy Pay is not available for all accounts. Inquire for more details.

*A monthly $5.00 fee will be charged on accounts with no activity for more than 12 months, age 18 to 62. This charge will be assessed to those accounts that have an aggregate balance of $50.00 or less and do not have a safe deposit box, MasterCard, Loans, IRA, Share Certificate or Active Share draft checking account.
**Subject to credit approval.

Loan Fees

Late Loan Fee-$30 max. (5% of deliquent amount if more than 10 days past due)
Overdraft Protection Late Loan Fee-$5.00
Loan Payment by Debit Card (Online)-$5.00
Payment by Phone (Debit or ACH) -$10.00
Loan Payment Transfer (within NICCU) -FREE
Online Loan Payment (other financial-ACH) -FREE
Other Loan Payment Options Available by clicking HERE

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