Download our Fee Schedule or Business Fee Schedule. Last updated February 1, 2025.
Savings Account Fees
| DESCRIPTION | AMOUNT |
|---|---|
| Christmas Savings Early Withdrawal | $5.00 |
| IRA Withdrawal or External Transfer
- waived if age is 59 1/2 or older
|
$50.00 |
| Money Market Check Clearing
- personal accounts only after 3 per month
|
$5.00 |
| Money Market Paper Statement (monthly)
- waived with Business Select or Premier Checking,
or if age is under 18 or over 64 |
$5.00 |
| Share Savings Inactive Account
- after 18 months with month-end balance < $100
and no other account (excluding Christmas Savings) and age is over 23 |
$5.00 |
| Share Savings Withdrawal
- after 3 per quarter, waived with Checking
|
$5.00 |
Personal Checking Fees
| DESCRIPTION | AMOUNT |
|---|---|
| Overdraft Privilege (ODP) Item
- each transaction > $5, maximum of 5 per day
|
$35.00 |
| Paper Statement (monthly)
- waived with Premier Checking or if age is under 18 or over 64
|
$5.00 |
| Premier Checking (monthly)
- 20% discount if age is over 64
|
$10.00 |
| Rewards Checking (monthly)
- waived with direct deposits totaling $1500 or average daily balance of $2000
|
$7.00 |
ATM and Debit Card Fees
| DESCRIPTION | AMOUNT |
|---|---|
| ATM Balance Inquiry | $2.00 |
| ATM Out-of-Network Transfer or Withdrawal
- waived 2x per month, or 4x with Premier Checking
|
$3.00 |
| Foreign Transaction
- percent of transaction originating outside USA
|
1.00% |
| Replacement Debit Card | $10.00 |
Credit Cards Fees
| DESCRIPTION | AMOUNT |
|---|---|
| Balance Transfer | 3.00% |
| Cash Advance
- the greater of $10.00 or 3.00% of the amount of each cash advance
|
3.00% |
| Document/Statement Copy | $3.00 |
| Foreign Transaction
- percent of transaction originating outside USA
|
1.00% |
| Late Payment
- the lesser of $35.00 or the required minimum payment if 5 or more days late
|
$35.00 |
| Pay-by-Phone
- when completed with Cardholder Services
|
$5.00 |
| Returned Payment
- the lesser of $35.00 or the required minimum payment
|
$35.00 |
| Card Replacement | $10.00 |
| Rush Card Replacement
- delivery estimate within 3-5 business days
|
$50.00 |
| Emergency Card Replacement
- available through Cardholder Services
|
$50.00 |
Download the Visa Application Disclosure.
Business Checking Fees
| DESCRIPTION | AMOUNT | |
|---|---|---|
| 160 items included per month, then $0.30 per item over allotment | ||
| ACH Credit | after 20 | $0.30 |
| ACH Debit | after 20 | $0.30 |
| Checks Received | after 40 | $0.30 |
| Deposits | after 10 | $0.30 |
| Draft Clearing | after 60 | $0.30 |
| Rolled Coin | after 10 | $0.30 |
| Cash Deposit/Withdrawal
- per $100 after $2,500
|
$0.30 | |
| Business Checking
- if balance falls below $1,500 and no business loan
|
monthly | $10.00 |
| Paper Statement | monthly | $5.00 |
Business Select Checking Fees
| DESCRIPTION | AMOUNT | |
|---|---|---|
| 420 items included per month, then $0.30 per item over allotment | ||
| ACH Credit | after 70 | $0.30 |
| ACH Debit | after 70 | $0.30 |
| Checks Received | after 120 | $0.30 |
| Deposits | after 20 | $0.30 |
| Draft Clearing | after 120 | $0.30 |
| Rolled Coin | after 20 | $0.30 |
| Cash Deposit/Withdrawal
- per $100 after $10,000
|
$0.30 | |
| Business Select Checking | monthly | $20.00 |
| Earnings Credit
- balance of $25,000 or more earns fee credit at rate of 0.13% per Truth-in-Savings Disclosure - Business Shares
|
||
General Service Fees
| DESCRIPTION | AMOUNT | |
|---|---|---|
| Account Reconciliation/Research | hourly | $30.00 |
| Account Closure within 6 Months | $25.00 | |
| Account Forced Closure | $25.00 | |
| Check Copy | $3.00 | |
| Check Order | per design | |
| Copy, Print, or Fax | per page | $3.00 |
| Dormant Account | annually | $25.00 |
| Escheatment | $100.00 | |
| Foreign and Other Collection Items
- minimum fee plus costs incurred
|
$10.00 | |
| Legal Action Processing
- levy, garnishment, etc.
|
$100.00 | |
| Mortgage Payoff Request | $30.00 | |
| Negative Balance After 30 Days | $15.00 | |
| Notary Service
- waived with Checking
|
$5.00 | |
| Returned Mail for Incorrect Address | $10.00 | |
| Signature Guarantee | $20.00 | |
| Stop Payment | $35.00 | |
| Verification of Deposit | $30.00 |
General Transaction Fees
| DESCRIPTION | AMOUNT |
|---|---|
| Cash Advance on non-CFCU Credit Card | 3.00% |
| Cashier's Check
- waived once per month with personal Checking
|
$5.00 |
| Coin Deposit (Rolled or Excessive Loose)
- personal accounts only
|
5.00% |
| Gift Card Purchase | $3.00 |
| Non-sufficient Funds (NSF) Item | $35.00 |
| Overdraft Transfer Fee from Line of Credit
- business accounts only
|
$10.00 |
| Returned Deposit Item | $20.00 |
Safe Deposit Box Fees
| DESCRIPTION | AMOUNT | |
|---|---|---|
| Annual Fee per Box Size
- 50% discount with Premier Checking
|
3x5 3x10 5x10 10x10 |
$40.00 $65.00 $75.00 $100.00 |
| Replacement Key | per vendor | |
| Drilling/Lost Key | per vendor |
Wire Transfer Fees
| DESCRIPTION | AMOUNT | |
|---|---|---|
| Domestic | Incoming or Outgoing | $20.00 |
| Foreign | Incoming Outgoing (not US$) Outgoing (US$) |
$30.00 $55.00 $85.00 |