Download our Fee Schedule or Business Fee Schedule. Last updated February 1, 2025.
Notice: Starting in February, the paper statement fee is $5/month, which applies to money market and checking accounts, except for Premier Checking and Business Select Checking. Log in to digital banking to enroll in eStatements for free and secure storage.
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 | $20.00 |
| Foreign
- personal accounts only
|
Incoming Outgoing (not US$) Outgoing (US$) |
$30.00 $55.00 $85.00 |