Rates

Fee Schedule

Checking, Overdraft and Return Items
Copies of cleared checks* $1
Cost of checks Prices vary with quantity, style, and design
Return item fee** $32/per presentment of item
Overdraft fee** $32/item
Stop payment* $29
Temporary checks* $2/pack of 8
Wire Transfers
Domestic wire Outgoing = $20
Incoming = $10
International wire  Outgoing = $40
Incoming = $10
Western Union® Fees may vary based on amount sent and destination
Additional fees may be charged by other financial institutions involved in a transfer.
Check Issue
Cashier's check* To member or joint member = no charge
To secondary-party = $3 each
Money orders $3 each
ATM
ATM transactions No surcharge at SHAZAM® Privileged Status network ATMs.

$1.50/withdrawal after the first 10 withdrawals at non-Veridian ATMs.

ATMs not owned by Veridian or outside of the SHAZAM Privileged Status network may add a surcharge.
Card replacement* $10
Expedited card replacement* $50
Statement/Account Assistance
Copy of statement* $2/statement
Statement reconciliation* $15/hour
Maximum history of three months
IRA
Outgoing IRA transfer $10 (does not apply to transfers to Veridian Investment & Trust Services)
Health Savings Account (HSA)
Monthly service $2
VISA® Debit Card
Card replacement fee $10*
Expedited card replacement fee $50*
VISA® Credit Cards
Annual Percentage Rate Variable
Annual fee None
Grace period 25 days
Card replacement $10*
Expedited card replacement $50*
Payments over 15 days late $15
Returned payment $15
Safe Deposit Boxes
3" x 5" x 22" $35/year
5" x 5" x 22" $40/year
3" x  10" x 22" $45/year
5" x 10" x 22" $50/year
10" x 10" x 22" $70/year
Lost key

Drilling charge
Member will be assessed actual cost*

If both keys are lost, owner will pay the actual cost to open box.
Miscellaneous
Foreign exchanges Exchange or purchase of currency = member assessed actual charge

Exchange of checks or traveler's checks = member assessed actual charge
Address research $5/quarter if statement is returned twice for incorrect address
Lien subordination $25
Maintenance $15 (annual fee charge on accounts with no activity for more than 12 months, age 18 or over, with no safe deposit box, VISA credit card or loan and an aggregate balance under $50)
Below membership requirement  Remaining balance will be withdrawn for accounts under $5 minimum membership requirement (member notified in writing prior to fee assessment)
Check processing by website for loan payment $10
Check processing by phone for loan payment $15
Credit card payment by phone for loan payment $15
One -time online payment from another financial $10
Deposit items returned $10
Tax levy/garnishment $50
Verification of deposits $10
Member cashing non-member check  $5 per qualified check
Non-member coin counting 5% of counted coin
Non-member notary $5

*Sales tax may apply.

**Your account may be subject to a charge each time an item is presented for payment regardless of whether we pay or return the item. You may be charged a fee each time an item is presented for payment, even if the same item is presented for payment multiple times. There is a maximum total of $128 per day in combined overdraft and return items fees per account.

This credit union is federally insured by the National Credit Union Administration.

APR = Annual Percentage Rate. Rates for the Visa Signature, Visa Platinum and Visa Platinum Rewards cards are determined by adding 4.9% to 15.9% to Prime Rate as published under “Money Rates” in The Wall Street Journal. Current Veridian credit card rates range from 8.15% to 18%. Maximum APR is 18%. Possible fee(s): foreign transaction fee is 1% of each transaction. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and card type. All loans subject to approval. See Veridian for details.

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Locations in Iowa and Nebraska to serve you.

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