Fee Schedule

General Fees For All Accounts
Cash Advance Fee (min. advance is $50) $0.00 members, $5.00 non-members
Stop Payment/ACH Stop Payment $35.00 each
Check Cashing Fee $0.00 members, $5.00 non-members
Deposited Item/Loan Return Check Fee $35.00 each+ or $5 each if funds are available
Gift Card $3.00 each
Legal/Research/Reconciliations $25.00 per hour, $10.00 minimum
One-time Returned Statement Fee (Bad Address)  $5.00 per statement
Paper Statement Fee (Ages 17 & under and 70+ are exempt) $2 per statement mailed/requested
ATM/Debit Replacement Card FREE
Wire Transfer Service Fees
Wire transfer in US Dollars to US financial institution: $15.00 each
Wire transfer in US Dollars to International financial institution $45.00 each
Wire transfer in foreign currency to International financial institution $30.00 each
Wire transfer using ValleyStar routing number to complete FREE
Wire transfer using ValleyStar routing number to complete FREE
Wire transfer using a Swift Code to complete $25 each
Savings Account Fees
Non-sufficient Funds(NSF)/ACH  Return Fee $35.00 each+
Excess Withdrawal Fee (over 6 per month)  $3.00 each
Inactivity Share (Savings) Account Fee  $5.00 per month after 120 days of inactivity**
Checking Account Fees
Overdraft from Savings Acct. to Checking Acct. FREE
Overdraft Privilege/NSF Return/ACH Return Fee $35.00 each if transaction overdraws by $3.01 or more**+
International Transaction Fee 2.00% of each transaction in US Dollars
Money Market Account Fees
Money Market (MM) Service Fee $5.00 per month if minimum balance not met
MM Excess Withdrawal Fee (over 6 per month) $5.00 each
Safe Deposit Box Fees
Drill and Lost Key Fee $150 each
Replacement Key $25 each
Rental Fee (Annual)
Regular Golden Club
3×5 $20.00 3×5 $16.00
5×5 $30.00 5×5 $24.00
3×10 $35.00 3×10 $28.00
5×10 $50.00 5×10 $40.00
7×10 $70.00 7×10 $56.00
10×10 $100.00 10×10 $80.00
*Inactivity for 120 days on Savings Account with less than $500 on
deposit and no other account relationship within same member number.*Fee also applies to overdrafts incurred at the ATM.

+The fee applies to each time an item is presented. If the same transaction
is presented multiple times, a fee will be incurred for each time that same item is presented.