Minimum balance to avoid imposition of fees - If your balance falls below $150.00 on any day in the monthly statement cycle we will impose a service charge fee of $5.00 monthly. This fee is not charged to club members, senior citizens 62 years and over with direct deposit, or full-time students.

If your balance is at least $150.00 on every day in the monthly statement cycle but falls below $250.00 on any day during the monthly statement cycle we will impose a service charge fee of $4.50 monthly. This fee is not charged to club members, senior citizens 62 years and over with direct deposit, or full-time students.

If your balance is at least $250.00 on every day of the monthly statement cycle but falls below $350.00 on any day during the monthly statement cycle we will impose a service charge fee of $3.50 monthly. This fee is not charged to club members, senior citizens 62 years and over with direct deposit, or full-time students.

If your balance is at least $350.00 on every day in the monthly statement cycle but falls below $450.00 on any day during the monthly statement cycle we will impose a service charge fee of $2.50 monthly. This fee is not charged to club members, senior citizens 62 years and over with direct deposit, or full-time students.

Fees:
A club fee of $5.00 for the Basic Club benefits or $7.00 for the Family Club benefits, depending on the plan you choose, will be charged monthly to those accounts electing to add insurance coverage. Senior Citizens, 62 and over with direct deposit, receive a 50% discount.

	Balance Tier Monthly Fee
	$450.00 or more No monthly fee $350.00 to $449.99 $2.50 $250.00 to $349.99 $3.50 $150.00 to $249.99 $4.50 Below $150.00 $5.00