The GOLD difference

We have a different view on fees than our counterparts. We don't like 'em, so why should you?

At GOLD, we charge fees when we do extra things for you. For example, if we have to complete a lengthy real estate subordination, we'll probably charge you for the effort. What we won't charge are monthly fees, fees for using your debit card too much or too little, or fees because it's a Tuesday and we feel like it.

Fee Schedule

Effective Date: April 1, 2018

The following fees and transaction limitations may be assessed against your account, if applicable.


Share Draft Checking/ACH Fee
Non-Sufficient Funds (NSF) $29.00
Return Check Item $15.00
Transfer to Cover NSF (manual transfer by Credit Union employee) $29.00
Uncollected Funds $29.00
Stop Payment $15.00
Copy of Your Cancelled Check (Free 24/7 within Online Banking) $2.00
Account Statement Copies (per page) $1.00
Certified Check $2.00
Non-Member Check Cashing $5.00
Teller Check Stop Payment $15.00
GOLD Debit Card Fee
PIN Based Transactions Free
Signature Based Transactions Free
Card Replacement $10.00
PIN Replacement $3.00
PIN Customizaition (Choose your own PIN free; additional changes $3.00) Free
Express Card Replacement $50.00
ATM Deposit Correction Free
Miscellaneous Fee
Account Research/Balancing ($25/hr with a minimum charge of ½ hour) $25.00
Negative Account Balance (if negative three or more business days) $5.00
Third Party Teller Check (2 free per month) $3.00 each account
Bad Address (charged the last day of each month until a valid address is provided) $5.00
Bad Address (charged when Credit Union is notified by post office) $5.00
Backup Withholding $25.00
Writs/IRS Levies/Domestic Relation Orders & other legal requests $100.00(1)
Foreign Check Fee $10.00
Dormant Account - No transaction activity within 24 months (per month) $2.00
Loans Fee
Mortgage Subordination $100.00
Mortgage Rate/Term Amendment 1% or $1,000.00(2)
Mortgage Recording and Satisfaction (Varies by County) Varies
Refinance Current Loan ($350 for Real Estate and $50 for all other loans) $50.00/$350.00(3)
Duplicate Auto Titles $25.00
Auto Title (if not received within 60 Days of Loan date - per month) $10.00(4)
Credit Card Replacement $10.00

Other fees as disclosed on signed Notes and Disclosure statements

(1) Plus Attorney Fees.
(2) 1% of Loan Balance or $1,000.00 minimum whichever is greater.
(3) Applies if new money is less than 10% of current loan balance.
(4) Applies if Credit Union has not received the collateral title to perfect its security interest.

View PDF version of the GOLD Credit Union Fee Schedule.

You are now leaving GOLD Credit Union's website. This site is provided with the sole intent of providing helpful and convenient information for our members. We recommend that you consult the privacy disclosure on all websites before continuing. GOLD Credit Union is not responsible for any content on any other website, and does not represent either the third party or you, the member, if you enter into a transaction.

Continue        No, Go Back