Classic	Green	Silver	Gold	Investor
Qualifications	1) Savings account with minimum	1) Share/Investment  account average balance of $100 AND                                        2) Direct Deposit AND   3) ATM/Debit Card AND                                                   4) e-statements AND                                    5) No delinquent loans	1) Share/Investment/ Loan Balance of at least $5,000 AND                                                     2) Direct Deposit AND    3)ATM/Debit Card AND                                4) VR/Home Banking  5) No delinquent loans	1) Share/Investment/ Loan Balance of at least $15,000 AND                                                            2) Direct Deposit AND 3)ATM/Debit Card AND                                 4) VR/Home Banking  5) No delinquent loans	1) Investment Balance of at least $15,000 AND                                2) Direct Deposit AND  3)ATM/Debit Card AND                                 4) No delinquent loans
Money Order	$2 per item	$2 per item	FREE	FREE	FREE
Corporate Checks	$3 per item	$3 per item	FREE	FREE	FREE
Verification of Deposits	$10 each	$10 each	$5 each	FREE	FREE
Phone Transfer Fee >10	$1 each	$1 each	$1 each	FREE	FREE
Returned Share draft item, returned ACH, privileged courtesy pay	$25 each item	$25 each item	First occurrence forgiven upon member request, $25 each thereafter	First occurrence forgiven upon member request/$25 each thereafter	First occurrence forgiven upon member request/$25 each thereafter
Check cashing/compensating funds	1% max $5	1% max $5	FREE	FREE	FREE
Overdraft transfers from share account	$3 each	$3 each	$3 each	FREE	FREE
Auto/motorcycle loan rate discount	N/A	-0.25%	-0.50%	-0.75%	-0.75%
Boats, motor homes, trailers, campers loan discount	N/A	N/A	-0.50%	-0.75%	-0.75%
Mortgage underwriting discount	N/A	$100	$200	$250	$250
Home equity underwriting discount	N/A	N/A	$25.00	$50.00	$50.00
Automatic loan payment discount (RE & Unsecured Excluded)	-0.25%	-0.25%	-0.25%	-0.25%	-0.25%
Certificate Premium Rate Increase	N/A	N/A	N/A	0.10%	0.10%
Low Balance Fee<$500	$5.00 per month	N/A	N/A	N/A	N/A
Inactive Account Fee <$500	$2.00 per month if no activity	$2.00 per month if no activity	N/A	N/A	N/A