Service Fees

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