Fee Schedule

Share Draft Accounts

Returned Non-Sufficient Share Draft $35.00
Courtesy Pay Fee $35.00
Share Transfer to cover Share Draft $10.00
Returned Deposited Item $20.00
Copy of Share Draft $5.00
Copy of Statement $1.00 per page
Stop Payment $10.00 per check or consecutive order
Account History Printout $1.00
Account Balance and Research $20.00 per hour – one hour minimum
Returned ACH/EFT Item $35.00

ATM/Visa Debit Card

No Surcharge or Fee for using the following ATM’s:

  • Horizon Credit Union
  • Bank of Tennessee ATM’s

Click here for a complete list of participating ATMs.

All other ATM usage is considered “Foreign” and will be assessed $2.00 per withdrawal

Replace a Visa Debit Card $10.00 per card


Consumer Loan Fee $250.00
Skip A Payment Fee (Not Available on Mortgages) $50.00
Late Payment Fee (Consumer Loan)
Late Payment Fee (Mortgage Loan) 5% of Monthly Principal and Interest Payments
Mortgage Appraisal Fee Actual Cost Incurred
Temporary Lien Fee

Noting of Lien Fee in Va is $15.00
Noting of Lien Fee in TN is $28.00

Car Fax Fee $30.00
(GAP) Guaranteed Asset Protection $475.00

Visa Credit Card Fees

Returned Check Fee $25.00
Over Limit Fee $10.00
Late Payment Fee $25.00
Replace a Visa Credit Card $10.00 per card

Wire Fees

Electronic Transfers or ACH Debits/Credits No Charge
Incoming Wire Transfers $10.00
Outgoing Wire Transfer $20.00
Foreign Incoming Wire $50.00 or actual expense incurred
Foreign Outgoing Wire $50.00 or actual expense incurred

Miscellaneous Fees

Certified Check $5.00
Cashier’s Check $5.00
Money Order $0.50
Visa Gift Card or Travel Money Card $3.00 per card
Returned Deposited Check Fee $25.00