Individual Retirement Accounts (IRAs) are federally insured for up to $250,000. Deposits are federally insured to $250,000 per member by the National Credit Union Administration, an agency of the federal government. The National Credit Union Share Insurance Fund is one of the strongest deposit insurance funds in the nation. To explore how you can be insured for more than $250,000, call 719.482.7600 and request an NCUA brochure.

• Establishes credit union membership - one-time adult membership fee - $6.00
• One-time minor membership fee - $1.00
• Minimum to open* - $5.00
• Minimum balance to earn dividends* - $100.00
• Re-open shares within 90 days - $25.00
• Pikes Peak Art Council - $30.00

• Minimum to open - $5.00
• Minimum balance to earn dividends - $100.00

• Minimum to open - $5.00
• Minimum balance to earn dividends - $100.00

• Minimum to open - $5.00
• Minimum balance to earn dividends - $100.00
• No early-withdrawal penalty on withdrawals within first seven days of opening account. After that period, there is an early-withdrawal penalty of all interest accrued.
  See Membership Guide.

• Fees vary depending on type of loan and loan qualifications. The credit union provides fees within three business days of loan application in the form of a Good Faith Estimate and corresponding Truth In Lending Statement.

• Loan extension fee - $25.00 (You will also pay any late-payment fees that may apply.)
• Dealer direct processing fee - $25.00 (Includes $6 credit union membership.)

• You will pay a filing fee anytime the credit union takes a security interest in a vehicle.

• You agree to pay all cost of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees, plus any fees incurred as a result of bankruptcy.

• Minimum to open - $25.00
• Minimum balance to earn dividends - $100.00

• Minimum to open - cost of check order
• Minimum balance - None
• Monthly service fee - None
• ACH or drafts on insufficient funds - $32.00
• Advantage Pay - $32.00
• Insufficient funds transfer fee - $2.00
• Stop payment (single draft or lost series) - $20.00
• Check photocopy - $5.00
• Returned deposit item written by you - $32.00
• Returned deposit item from another party - $7.00
• Check printing - Varies
• Collection item fee (out and in) - $32.00

• Minimum to open - $5.00
• Money market accounts with an average daily balance below $2500.00 will earn the regular share dividends. A maximum of six withdrawals per month according to Federal Regulation D.

• Minimum to open - $5.00

• A notice of two business days is required.

This is an automatic transfer from another account or loan to pay a draft/check when there are not enough funds in the account. No fee is charged for unlimited transfers from a personal line of credit. A $2.00 fee is charged for a transfer from another account with a maximum of 6 per month according to Federal Regulation D.

Aventa ATMs and ATMs that are part of the CO-OP Network have no additional transaction cost. Visit the ATM Locator on the home page for ATM locations. Cash withdrawals are limited to $500 per day at any ATM location. For lost and stolen debit cards, call 800.528.2273.

• Reissue lost/damaged card - $12.00
• Reissue lost/misplaced card PIN - $6.00
• Replace card captured by ATM - None
• Visa copy of sales draft - $5.00
• ATM security film development - $50.00

• If average daily balance falls below $500.00, there is a $5.00 per month fee.
• Dividends paid on average daily balances over $500.00

• Cashier checks (for members only) - $3.00
• Cashier checks (50 or Better) - $1.50**
• Cashier checks for merchants (non-members) - $5.00
• Dormant account - $10.00
• Visa Travel Card - $10.00
• Load fee (max 3 times) - $3.95
• Unload - None
  
• Visa Gift Card - $5.00
• Outgoing wire transfer - $30.00
• International wire transfer - $60.00
• Western Union - $30.00
• Statement copies - $2.50 (per page)
• Account reconciliation hourly fee - $25.00
• Research hourly fee (non-credit union error) - $25.00
• Long distance fax first page - $3.50
• Each additional page - $1.00
• Dormant account fee - $10.00
• Return mail/bad address fee - $10.00
• Garnishments/Levies Fee - $50.00
• Medallion Signature Guarantee - $25.00
• ACH Origination/Payment (Phone Pay) - $10.00
• Photo copies (20 pages maximum/day) - $0.20***
• Inactive account (monthly after 180 days) - $10.00
• Non-member notary fee - $5.00

• Easy Access phone transactions - None
• Phone transactions and inquiries - $2.00

• Transfers, balance inquiries and cash transactions - $2.00 per transaction

• Drilling fee - $100.00
• Re-locking/key change fee - $10.00
• Non-refundable, no pro-rated refunds
• Contents of safety deposit boxes are NOT insured by NCUA