Schedule of Fees and Services
NOTICE OF CHANGE: Effective January 1, 2007, some of our fees will change. The changes are underlined. We think you will find that our service fees remain among the most competitive in the industry.
Effective January 1, 2007
| General Cashiering Service | |
|
Cashiers Check (per item)
|
$3.50
|
|
Money Orders (per item)
|
$2.00
|
|
Travelers Checks
|
1% of face amount
|
|
Extra Statement Copy (per page)
|
$2.00
|
|
DST Printouts -- Account History
|
$5.00
|
|
Statement Reconciliation Assistance
|
$10.00 per hour ($10.00 minimum)
|
|
|
|
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Financial Institution Wire Transfer of Funds (per item)
|
|
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To U.S. Institution
|
$20.00
|
|
Out of Country
|
$40.00
|
|
|
|
|
Items Sent for Collection (per item)
|
$15.00
|
|
Stop Payment Order for Credit Union Check
|
$15.00
|
|
Returned Check Fee
|
$15.00
|
| Share Savings | |
|
Low Balance Fee (if share balance is below $100) and there has been no activity for 12 months; fee waived if member has active checking, loan, VISA, other savings or Certificates; (minor accounts excluded)
|
$2.50 per month
|
|
First 5 Share Savings Withdrawal (per month)
|
FREE
|
|
Subsequent Share Savings Withdrawals (within the same calendar month)
|
$2.00
|
| Share Draft Checking (All Accounts) | |
|
Below Minimum Balance (if share draft checking balance drops below $300 at any time during a calendar month; fee waived for members 55 years or older)
|
$6.00 per month
|
|
Non-Sufficient Funds (NSF), Returned Check or ACH (per item)
|
$25.00
|
|
Stop Payment Order for Share Draft
|
$15.00
|
|
Copy of Credit Union Check, Share Draft, PLC Draft, HVL Draft, Rate Chaser Draft, MMA Draft (per item)
|
$3.50
|
|
On-time Coverage Fee
|
$25.00
|
| Share Draft Checking (Direct Deposit Checking) | |
|
If direct deposit is discontinued or is not initiated
|
$6.00 per month
|
| ATM or Debit Cards | |
|
New ATM or Debit Cards, Annual Fee
|
FREE
|
|
Transaction Fee at CFCU CashCenter ATM
|
FREE
|
|
Replacement ATM or Debit Card Due to Lost/Damaged/Stolen
|
$15.00
|
|
Additional ATM or Debit Cards
|
$15.00
|
|
Transaction Fee for "PLUS system" Machines
|
$1.00
|
|
CO-OP Network Transaction
|
FREE
|
|
Transaction Fee for Visa Debit Transactions
|
FREE
|
| The Link, Bank-by-Phone Service | |
|
THE LINK Personal Identification Number
|
FREE
|
|
Telephone Number Access Fee: (310) 416-1111
|
FREE
|
|
(888) CFCU LINK (888-232-8546)
|
FREE
|
| e-Branch, Internet Banking | |
|
Monthly Service Charge
|
FREE
|
|
Copy of PIN
|
FREE
|
| Electronic Bill Payment Service | |
|
Bill Pay Fee (monthly) includes unlimited bill paying
|
FREE
|
|
Non-Sufficient Funds (NSF) per item
|
$25.00
|
|
On-time Coverage Fee
|
$25.00
|
| Consumer Lending | |
|
Loan Payment Returned for Non-Sufficient Funds (NSF)
|
$25.00
|
|
Refinanced Loan to Lower Interest Rate
|
$25.00
|
|
Over Credit Limit on Open-end Type of Loan (PLC, HVL Loans) per item processed
|
$10.00
|
|
Delinquent Loan Fee
|
Per contract
|
| Real Estate Loan | |
|
Real Estate processing Fee
|
$400.00
|
|
Points
|
As applicable per existing program
|
|
Appraisal, Title Insurance Policies, Escrow Service, Recording, Transfer of Title
|
As applicable
|
|
Real Estate Loan Assumption Fee
|
1% of loan amount + $500
|
|
Delinquent Loan Fee
|
Per contract
|
|
Reconveyance Fee
|
$45.00
|
| Platinum Visa | |
|
Visa Payment returned for Non-Sufficient Funds (NSF)
|
$25.00
|
|
Over Limit Fee (per occurrence)
|
$25.00
|
|
Late Charge (per occurrence)
|
$25.00
|
|
|
|
|
Document Reproduction Fees
|
|
|
Periodic statement (per statement)
|
$2.00
|
|
Airline, hotel or car rental sales draft (per draft)
|
$25.00
|
|
Sales drafts (other than airline, hotel or car rental) (per draft)
|
$3.00
|
|
|
|
|
Replacement card or PIN fee
|
$15.00
|
| Shared Secured Visa | |
|
Annual Membership Fee
|
$25.00
|
|
Visa payment returned for Non-Sufficient Funds (NSF)
|
$25.00
|
|
Over Limit Fee (per occurrence)
|
$25.00
|
|
Late Charge (per occurrence)
|
$25.00
|
|
|
|
|
Document Reproduction Fees
|
|
|
Periodic statement (per statement)
|
$2.00
|
|
Airline, hotel or car rental sales draft (per draft)
|
$25.00
|
|
Sales drafts (other than airline, hotel or car rental) (per draft)
|
$3.00
|
|
|
|
|
Replacement card or PIN fee
|
$15.00
|
The above policies and charges supersede any and all previously published information and are those in effect as of 1/1/07. The Credit Union reserves the right to change or amend such charges without notice.
