LES Federal Credit Union
Fee Disclosure
April 1, 2009

General Fees
Statement Copy	$2.00 per page (Free thru E-statements)
Account History (Loans/Shares)	$1.00 per page
Research Fee	$25.00 per hour
Re-open Closed Account	$25.00 fee
International Wire Transfer	$50.00 per wire
Travelers Cheques for Members	$1.00 per $100
Travelers Cheques for Non-Members	$2.00 per $100
Travelers Cheques for Two	$1.50 per $100
Cashier Checks	$5.00 per check
Money Orders	$1.00 per
Postage Stamps	$8.80 per book
Domestic Wire Transfer	$20.00 per wire
Christmas Club Early Withdrawal	$15.00 per transaction
Christmas Club Early Closure	$25.00
Check withdrawal to pay bills	$1.00 per check
ACH Overdraft	$20.00 per NSF paid
ACH (Non-sufficient funds)	$25.00 per NSF returned
NSF check (drawn on other institution)      (at CU or Service Center)	$20.00 per check
Excessive withdrawals (Allowed 4 free per quarter)	$1.50 per withdrawal
Share Draft Account Fees
Overdraft	$20.00 per NSF paid
Non-Sufficient Funds (NSF)	$25.00 per NSF returned
Stop Payment	$10.00 per share draft
Photocopy of check	$5.00 per check
Overdraft Transfer (manual)	$5.00 per transfer
Overdraft Transfer (automatic)	$2.00 per transfer
Balance Share Draft Account	$25.00 per hour
ACH Stop Payment	$40.00 per ACH
Visa and Debit Card Fees
Annual Fee	None
Overlimit Fee	$10.00 per month
Update member Credit availability	$5.00
Cash Advance (CU Visa)	None
Cash Advance (Other Financial Institution Card)	$5.00
Photocopy of Sales Draft	$8.00 per draft
Re-issue lost or stolen cards	$10.00 per card
Consumer Loan Fees
Copy of New Car Cost Guide      (Refunded if financed with CU)	Free thru cu website homepage
Loan application processing fee      (plus notary fee (if applicable))	$10.00 per new or refinance
Loan processing transfer collateral title	No charge
Loan processing for consolidation loan	No charge
Real Estate Processing Fee	$150.00
Satisfaction of Lien	$10.00
Cash Advance on Revolving Credit Loan	None
Temporary Try TT	$10.00
GAP Insurance	$250.00
Bill Payer Fees
Annual Fee	free
Return item	$20.00 (overdraft) $25.00
Stop Payment Fee	$20.00
Photo Copy of Check	$15.00
Research Fee	$20.00 (per hour)