Fee Schedule

Disclosures
Visa Credit Card
APR	11.5%
Annual Membership Fee	NONE
Grace Period For Purchases*	25 days
Method for Computing The Balance For Purchases	Average daily balance including new purchases*
Late Payment Fee	$10.00
Over The Limit Fee	$10.00
Visa Credit Card Replacement Fee	up to $20.00
Cash Advance Fee	NONE
A finance charge will be imposed on Credit purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of the statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within the 25 day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on the new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.
*A finance charge will be assessed on cash advances from the date of the cash advance, or the first day of the billing cycle in which the cash is posted, whichever is later, and will continue to accrue until payment in full is made.
Schedule of Fees
This fee schedule discloses fees applicable to all share deposit accounts and all services offered by Corning Cable Systems Credit Union, and is supplied as a supplement to your account agreement. Please call (828) 901-5290 to obtain the most current fee information. Members accounts are insured by the National Credit Union Administration up to $250,000.
Account Fees
Sharedraft/Checking Account	No Charge
Low Balance Fee Share Account	per month $1.00
Other Applicable Fees
Membership fee (minimum balance required for regular savings)	25.00
More than three withdrawals from savings by any method within a calendar month	$2.00 each
Cash Points ATM Card Replacement Fee	up to $20.00
Cash Points ATM Cards- 5 or more transactions	$1.00 each
Visa Check Card- 5 or more withdrawals	$1.00 each
Visa Check Card Replacement Fee	up to $30.00
Late payment fee for loans if more than 15 days past due	4% of payment due
Insufficient funds (NSF) return per item	$25.00
Insufficient funds (NSF) per ATM withdrawal	$25.00
Insufficient funds (NSF) per Visa Check Card transaction	$25.00
Returned deposit item, if transfer not available	$10.00
NSF hold	$25.00
Stop payment, per ACH payment	$15.00
Stop payment per check item	$15.00
Official Credit Union Check (no charge if made out to govt agency, you the member or American Express)	$2.00
Verification of deposit	$10.00
Sharedraft/Check copy	$2.00
Visa Gift Cards	$3.00
Printout /Statement copy	$5.00
Returned mail per item	$2.00
Outgoing wire transfer	$10.00
Outgoing international wire transfer	$30.00
Check book balancing or account research	$15.00 per hour
Incoming wire transfer	No Charge
Notary service	No Charge

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