At HTM Credit Union it is our goal to offer you not only services of the highest quality and convenience, but with as little added costs as possible.

Effective March, 2023.

Schedule of Fees
Service Fee
Open Regular Share Account (New Member) 25.00 Min Balance No Fee
Early Withdrawal Penalty – Term Share Certificates 90 Days Dividend
Share Account Withdrawals – 5 Free Per Month $1.00 each after 5
Share Accounts- Bank Checks- 1 Free Per Month Addt’l $3.00 each
Check Cashing for 3rd Parties (non-members) $10.00
Internet (Online) Banking Free
Online Bill Pay Free
Notary Service No Fee
Account Research $40.00/hr (min 1 hr)
Domestic Wire Transfer $30.00
International Wire Transfer $50.00
Incoming Wire Transfer $10.00
Insufficient Funds Fee – ATM Transaction $25.00
Insufficient Funds Fee – ACH Transaction $25.00
Insufficient Funds Fee – Returned Check $35.00
Stop Payment Fee for Personal Checks $30.00
Stop Payment Fee for Credit Union Check $35.00
Overdraft Transfer Fee – From Shares $5.00
Overdraft Loan Transfer Fee $5.00
Draft Copy (Free via Online Banking) $5.00
Tax Levy/Garnishment/Release of Levy $50.00
Dormant Account Fee* $50.00
Returned Mail – Incorrect Address $5.00
Paper Statement Fee $5.00
Debit Master Card – Initial Card No Fee
VISA/Debit Master Card- Replacement $20.00
VISA Replacement Rush Fee $150.00
Debit Master Card Replacement Rush Fee $100.00
HTM Credit Union Visa Annual Fee No Fee
HTM Credit Union Visa Rush Delivery Fee $110.00
Real Estate Loan Discharge – Reissue $30.00
Real Estate Subordination $30.00

* On October 6th a $50.00 dormant fee will be assessed on all accounts that have had no activity, transactions in or out, in 3 years. Monthly dividends do not count as activity. Consider mailing in a deposit today to keep your account active or call and see how we can help you meet your financial goals!