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MSCU

                    FEE SCHEDULE

    CHECKING  TS    

    Basic Checking:
     Monthly Service Fee                              $5.00
     Sr. Citizen’s (age 55+)                           FREE

     Advantage Checking
    
Monthly Service Fee                              $3.00
     (if below minimum $300 balance)
     Check Clearing Fee if over 30 checks)   $  .20/check
     Sr. Citizen’s (age 55+)                          FREE

     All Checking Accounts
     NSF Fee (Non Sufficient Funds)           $25.00/item
     NSF Return Item Fee (Not Paid)          $5.00/item
     Photocopy of Cancelled Checks            $5.00/check
     Online Viewing/Printing of Checks         FREE
     Stop Payment Fee                                 $25.00/check
     Returned Deposit Item                           $25.00/item
     Automated Transfers (NSF coverage)   $1.50/transfer
     Account Research/Reconciliation Fee    $25.00/hour
     Closing Account (If MSCU closes it)     $25.00

IRA ACCOUNTS
    
Early Withdrawal Fee                            $25.00
     Account Closing Fee                             $25.00

VISA DEBIT & ATM CARDS
     ATM Card application fee                   $10.00
     VISA Debit Card application               FREE
     ATM Withdrawals
(after 4 FREE per month)         $1.00/each
     ATM Deposits
(after 4 FREE per month)      $1.00/each
     Card Replacement Fee                         $10.00
     Foreign currency Fee (Visa purchase)   2% of total

MONEY MARKET ACCOUNTS
     Withdrawal under $100.00 minimum    $20.00/each
     Withdrawal Fee (3 free per month)      $20.00/each

ALL OTHER FEES
     Statement Copy Fee                           $5.00/Stmt
     Wire Transfer (Domestic)                   $25.00
     Wire Transfer (International)               $50.00
     Travelers Checks                               1% of Total
     Travelers Checks for Two                  1.5% of Total
     Credit Union Check 
(1 Free per Month)  $2.00 each
     Garnishment /Levy Fee                      $25.00
     Check Cashing Fee (Savings only)
     With balance below $100.00             $5.00
     Below Minimum Balance Fee             $5.00 

                                 Effective 7/12/2006

All Service Charges & Fees are subject to change.