Fees

FEE SCHEDULE

EFFECTIVE: December 1, 2016

     MEMBER SERVICES 

Account Balancing Assistance $25.00 per hr. – 1 hr min.
Savings Account Closure (if opened less than 180 days) $25.00
Checking Account Closure (if opened less than 180 days) $25.00
Account History $2.00 per page
Account Research Assistance $25.00 per hr. – 1 hr. min.
ACH Return or Overdraft $30.00 per item
Automatic Overdraft Protection $5.00 per item
International Remittance Percentage of wire amount
Bank Wires $5.00 Incoming
$15.00 Outgoing
$50.00 International
Bill Pay Service (iPay)Inactive Fee (90 consecutive days of inactivity). If you allow 90 consecutive days of inactivity there will be a non-refundable inactivity fee of $5.00 debited from your account. FREE
Cashier’s Checks $5.00 each
Check Cashing (non-member) 1%
Check Copy (3 free per month) $3.00 per copy
Christmas Club Closure $10.00
Christmas Club Early W/D Fee $10.00 each occurrence
Coin Counting Fee 10%
Coin Counting Fee- Non-Members 25%
Collection Item $25.00 – domestic
$25.00+ collection costs –  foreign
Corporate Check Copy $3.00 per copy
Courtesy Pay $30.00 per item
Credit Card Merchant Transaction Copy $25.00
Debit Sales Slip Copy $25.00
E-Statements  FREE
Excessive Share W/D Fee 1-3 free, 4 and up $5.00 each
First Pay – Recurring Payment $7.50 – One Time Set-Up
First Pay  – Non-Recurring Payment

$7.50 – Each  Payment

Nonsufficient Funds (NSF) $30.00 per item
Internet Banking Access FREE
Levies, Subpoenas $30.00 per item
Mail W/D Fee $1.00 per check
Money Orders $2.00 each
Online Check Copies FREE
Return Items $30.00 per item
Paper Statements $5.00 per month
Return Mail (Bad Address) $5.00 per item
Return e-mail (Bad Address)  $5.00 per item
Stale dated check (90 days) $30.00
Statement Copy $5.00 per statement (Flex teller/no charge)
Stop Payment Fee $30.00 per check (or series of checks)
Teller Check (To Account Owner) FREE
Teller Check (Another Payee) $5.00 per check
Temporary Checks $.30 per check
Travel Card(Unlimited Reloads)
$9.95 initial card – $3.00 per reload
Travel Card – Companion
$2.00 per card
Gift Card $2.00

CERTIFICATES OF DEPOSIT & IRA CERTIFICATES OF DEPOSIT

Early Withdrawal Penalty
Term of 6 months or less 1% of the principle balance from the date of issuance
Term of 6 – 12 months 2% of the principle balance from the date of issuance
Term greater than 1 year 3% of the principle balance from the date of issuance

CHECKING ACCOUNT

First Class Checking 
Opening balance requirements $25.00
Monthly Service Charge $6.00
Monthly Service Charge for 60 years old and over $5.00
Paper Statement $5.00 per month
Fresh Start Checking
Opening balance requirements
$25.00
Monthly service charge $10.00
Paper Statement $5.00 per month
CU Succeed Checking (age 13-17)
Opening balance requirements $25.00
Monthly service charge FREE
Money Market Savings
Opening balance requirements $25.00
Money Market exceeding account limitations $10.00 per month
Monthly service charge if account
balance falls below $2,500.00
$10.00

ATM SERVICES

Debit Card Replacement $15.00
Withdrawals at ATMs in network FREE
Inquires at ATMs in network FREE
Transfers at ATMs in network FREE
Withdrawal at ATM outside of network $2.00 each
Inquires at ATMs outside of network $2.00 each
Transfers at ATMs outside of network $2.00 each
Foreign Card use at 2595 Polaris ATM $2.00 each
Point-of-Sale FREE

SAFE DEPOSIT BOXES

3″ x 5″ Box $15.00 annually
3″ x 10″ Box $30.00 annually
Key Deposit $20.00
Drilling Fee $100.00

LOANS

Late Fee for Loans 5% of payment due,
minimum $5.00/maximum $25.00
10 day courtesy period
Late Fee for Credit Cards 5% of payment due,
minimum $5.00/maximum $25.00
Non FCACU Credit Card Cash Advances 3% of the amount advanced
Debit Card Replacement $15.00
Mortgage Subordination Fee  $75.00

***NOTE: ALL FEES SUBJECT TO CHANGE***

Auto Loans

As low as+

2.15%APR

Credit Cards

As low as+

8.50%APR

Home Equity

As low as+

5.20%APR

Certificates

As high as+

1.60%APY

Checking

As high as+

0.10%APY