USUCCU Disclosures

Relationship Accounts

Fee Schedule as of 08/01/2005

USU Charter Credit Union has a philosophical commitment to provide cooperative, not-for-profit financial service at the lowest possible cost. The Credit Union also strives to reward active members with even better rates and terms, so it pays to use your USU Charter Credit Union for all your financial needs.
USUCCU Service	Platinum	Gold	Silver
Aggregate Average Monthly Deposit Balances	$15,000+	$3,000.00 - $14,999.99	$25 - $2,999.99
Or
Aggregate Average Monthly Loan Balances	$15,000+	$5,000.00 - $14,999.99	$0 - $4,999.99

USUCCU Service	Platinum	Gold	Silver
Telephone Teller	Free	Free	Free
Web Teller	Free	Free	Free
Web Bill Payer	Free	Free	Free
Notary Service	Free	Free	Free
Signature Guarantee	Free	Free	Free
USUCCU and Co-Op Owned ATMs	Free	Free	Free
Annual Fee on VISA Credit Cards	$0	$0	$0
Non Co-Op ATMs (USUCCU assessed fee)	Free	Free	$2
Stop Payment (Note: free to all members via Telephone Teller and Web Teller.)	Free	$10	$15
Cashiers Checks	Free	Free	$5
Statement Copy (Note: recent transaction history is free via Telephone Teller or Web Teller.)	Free	Free	$5
Fax Service	Free	$5	$10
Check Copy (Note: free access to check copies from the previous 12 months via Web Teller.)	Free	$5	$5
Visa Sales Draft Copy	Free	$5	$10
Plastic Card Replacement (Note: free to all members if card is expiring.)	Free	Free	$5
Wire Transfer (out)	Free	$10	$15
Check Cashing (accounts without USUCCU checking)	Free	Free	$5
Traveler’s Cheques (% of total sale)	Free	.5%	1%
Associate Assisted Savings Transactions allowed with no fee ($2 per transaction that exceeds number allowed).	3	3	2
Discount on Safe Deposit Boxes (per year)	$20	$10	$0
Research (per hour) - 1 hr minimum	$10	$15	$20
Coin Wrapping (per hour)	$5	$10	$20
Return (Non-sufficient funds) Checks	$25	$25	$25
Return (Non-sufficient funds) EFT/ACH	$25	$25	$25
CourtesyPay-(Non-sufficient funds) Check Covered	$25	$25	$25
VISA Overlimit	$25	$25	$25
Chargeback	$25	$25	$25
Returned Mail (per month-due to incorrect address)	$2	$2	$2
Membership Account Closure (within the first 90 days of opening)	$15	$15	$15
Dormant Account (per month)	$5	$5	$5
Checking Negative Balance (charged each day that the checking account remains negative after a 15-day grace period.)	$5	$5	$5

Savings Accounts

A minimum of $25 must be maintained at all times in a Membership Share Account. This account earns dividends as determined by the Credit Union's Board of Directors and belongs to the member at all times.

Liquid Asset Accounts have a $2 fee for each withdrawal over 3 per month
Automatic transfers from Savings to cover overdrafts are in increments of $100

Ultimate Checking
USUCCU Service	Platinum	Gold	Silver
Monthly Fee	Free	Free	$6*
Cancelled Check Copies returned in monthly statement	Free	$2	$5
Overdraft Protection (ask for details)	Free	Free	Free
Check Order Discount ($ per year)	$24	$0 **	$0**

Elite Checking
USUCCU Service	Platinum	Gold	Silver
Monthly Fee	Free	Free	Free
Check Order Discount ($ per year)	$24	$0 **	$0 **

Premium Checking (existing accounts only – no new Premium accounts are being opened)
USUCCU Service	Platinum	Gold	Silver
Monthly Fee (if balance falls below $100)	Free	Free	$6*
Cancelled Check Copies returned in monthly statement	Free	$ 2	$5
Overdraft Protection (ask for details)	Free	Free	Free
Check Order Discount ($ per year)	$24	$ 0 **	$ 0 **

Choice Checking (existing accounts only - no new Choice Accounts are being opened)
USUCCU Service	Platinum	Gold	Silver
Monthly Fee	Free	Free	Free
Associate Assisted Transaction	Free	Free	$3
Overdraft Protection (ask for details)	Free	Free	Free
Check Order Discount ($ per year)	$24	$ 0 **	$ 0 **

Money Market Account ($500 minimum balance to avoid a monthly service charge of $10.)
USUCCU Service	Platinum	Gold	Silver
First 6 checks or withdrawals per month ($2 each thereafter)	Free	Free	Free

* Fee waived for 5 years after a Member opens a USUCCU 1st Mortgage loan not retained by the Credit Union.
** Members who are at least 50 years old receive a Check Order Discount of $12 per year that cannot be combined with any other Check Order Discounts.