Service Fees

Download our Fee Schedule or Business Fee Schedule. Last updated May 9, 2022.

Fee schedule changes effective May 9, 2022.

  • Overdraft fees will no longer be assessed when the overdraft amount is $5 or less, and the maximum overdraft fees per day will decrease from ten to five.
  • Dormant accounts will incur a $25 annual fee.
  • Replacement card fee will increase to $10.
  • A new 1% foreign transaction fee on debit cards if the card is used outside the country

SAVINGS ACCOUNTS

DESCRIPTION AMOUNT
Savings Withdrawal Fee
in excess of 3/month if no checking
$5.00 ea
Savings Inactive Account
after 18 months if balance < $100 at month-end and no other account (excluding Christmas Savings) – waived for members under age 24
$5.00 mo
Dormant Account Fee $25.00 yr
Wealth Builder MMA Check Fee
in excess of 3/month
$5.00 ea
Wealth Builder MMA Paper Statement Fee
if age 18-64 and no Premier Checking
$3.00 mo
Christmas Savings Early Withdrawal $5.00 ea
IRA Withdrawal or External Transfer
if age is less than 59 1/2
$50.00 ea

CHECKING ACCOUNTS

DESCRIPTION AMOUNT
Premier Checking
20% discount if age ≥ 65
$10.00 mo
Overdraft Privilege
each transaction greater than $5, maximum of 5 fees per day
$35.00 ea
Check Copy $3.00 ea
Paper Statement Fee
if no Premier Checking or if age between 18-64
$3.00 mo
Bill Pay Inactivity Fee
if no payments in last 90 days
$3.00 mo
Check Orders
each order varies based on quantity and design
Varies

ATM & DEBIT CARDS

DESCRIPTION AMOUNT
ATM Out-of-Network Transaction Fee
in excess of 2/month with Easy Checking and Fresh Start Checking, or in excess of 4/month with Premier Checking
$3.00 ea
ATM Balance Inquiry Fee $2.00 ea
Foreign Transaction Fee
the percent of each transaction amount originating outside the U.S.
1.00% ea
Replacement Card Fee $10.00 ea

CREDIT CARDS

DESCRIPTION AMOUNT
Cash Advance Fee
the greater of $5.00 or 2.00% of the amount of each cash advance
2.00% ea
$5.00 min
Document/Statement Copy Fee $3.00 ea
Foreign Transaction Fee
the percent of each transaction amount originating outside the U.S.
1.00% ea
Late Payment Fee
the lesser of $25.00 or the required minimum payment if 5 or more days late
$25.00 ea
Pay-by-Phone Fee
when completed with Cardholder Services
$5.00 ea
Returned Payment Fee
the lesser of $27.00 or the required minimum payment
$27.00 ea
Replacement Card Fee $5.00 ea
Rush Replacement Card Fee
delivery estimate within 3-5 business days
$20.00 ea
Emergency Replacement Card Fee
available through Cardholder Services
$50.00 ea

BUSINESS CHECKING

DESCRIPTION AMOUNT
Includes 160 items each month as outlined below, then $0.30 each item over allotment.
ACH Credit
in excess of 20/month
$0.30 ea
ACH Debit
in excess of 20/month
$0.30 ea
Checks Received
in excess of 40/month
$0.30 ea
Deposits
in excess of 10/month
$0.30 ea
Draft Clearing
in excess of 60/month
$0.30 ea
Rolled Coin
in excess of 10/month
$0.30 ea
Cash Deposit/Withdrawal
per $100 in excess of $2,500
$0.30 ea
Monthly Service Fee
if balance falls below $1,500 and no business loan
$10.00 mo
Paper Statement Fee $3.00 mo

BUSINESS SELECT CHECKING

DESCRIPTION AMOUNT
Includes 420 items each month as outlined below, then $0.30 each item over allotment.
ACH Credit
in excess of 70/month
$0.30 ea
ACH Debit
in excess of 70/month
$0.30 ea
Checks Received
in excess of 120/month
$0.30 ea
Deposits
in excess of 20/month
$0.30 ea
Draft Clearing
in excess of 120/month
$0.30 ea
Rolled Coin
in excess of 20/month
$0.30 ea
Cash Deposit/Withdrawal
per $100 in excess of $10,000
$0.30 ea
Monthly Service Fee
no charge for Paper Statement service
$20.00 mo
Earnings Credit
Annual Percentage Yield earned on account balances of $25,000 and higher. Applied toward account fees. See Business Rate Schedule for current rate.

GENERAL SERVICES

DESCRIPTION AMOUNT
Account Reconciliation or Research
1 hour minimum
$30.00 hr
Account Early Closure Fee
if closed within 6 months
$25.00 ea
Account Forced Closure Fee $25.00 ea
Cash Advance Processing Fee
percent of total advance – waived for CFCU credit cards
3.00% ea
Cashier's Check
1/month free with checking account
$5.00 ea
Coin Deposit
percent of total rolled or excessive loose coin
5.00%
Copy, Print, or Fax $3.00 pg
Escheatment Fee $100.00 ea
Foreign and other Collection Items
minimum fee plus costs incurred
$10.00 ea
Gift Card Purchase $3.00 ea
Legal Action Processing Fee
includes each levy or garnishment
$100.00 ea
Mortgage Payoff Request $30.00 ea
Negative Balance After 30 Days $15.00 ea
Notary Fee
if no checking account
$5.00 ea
Non-Sufficient Funds (NSF) Item $35.00 ea
Returned Deposit Item $20.00 ea
Returned Mail For Incorrect Address $10.00 ea
Signature Guarantee $20.00 ea
Stop Payment Fee $35.00 ea
Verification of Deposit $30.00 ea

WIRE TRANSFERS

DESCRIPTION AMOUNT
Domestic Incoming or Outgoing $20.00 ea
Foreign Incoming $30.00 ea
Foreign Outgoing (Foreign Currency) $55.00 ea
Foreign Outgoing (US Dollars) $85.00 ea

SAFE DEPOSIT BOXES

DESCRIPTION AMOUNT
Size 3x5 Annual Fee
50% discount with Premier Checking
$40.00 yr
Size 3x10 Annual Fee
50% discount with Premier Checking
$65.00 yr
Size 5x10 Annual Fee
50% discount with Premier Checking
$75.00 yr
Size 10x10 Annual Fee
50% discount with Premier Checking
$100.00 yr
Replacement Key Per Vendor
Drilling Fee Per Vendor