Fee Schedule

Effective: January 1, 2017

Please note that effective 7/1/21, the following Fees will be Changed:

  • IRA Annual Maintenance Fee
    • This fee will be eliminated.
  • Dormant Account Fee Increase
    • This fee will be increased from $2.00 per month after one year of dormancy (no account activity) to $15.00 per month after one year of dormancy.
  • Credit Union Issued Checks will be $1.00 Each
    • There will no longer be one free credit union issued check per month, nor will there be a $3.00 charge for each credit union check issued thereafter in the same month. All credit union issued checks will have a fee of $1.00.
  • Non-Member Check Cashing Fee
    • Non-Members will be charged $5.00 per item to cash credit union issued checks or member share drafts drawn of of member share draft accounts.
  • Reduce Early Account Closure Fee
    • The Early Account Closure Fee will be reduced from $25.00 to $5.00 when a member closes their primary share account within 90 days of opening the account.
ATM and Visa Check Card Fee
ACFCU ATM and Participating Allpoint ATM Surcharge Fee  Free
NON-ACFCU or NON-Participating Allpoint ATM Surcharge Fee (Above Includes Withdrawals, Inquiries, Transfers)   $1.00 per Transaction
Point-Of-Sale (DEBIT or POS Transaction) Fee  $0.25 per Transaction
Card Replacement Fee  $5.00
PIN Reminder Fee  $3.00
Overnight Delivery Visa Card per card (Pass-Through Cost) $60.00 or current rate in effect
Overnight Delivery Visa Card PIN per PIN (Pass-Through Cost)  $60.00 or current rate in effect
Research Fee $20.00 per Hour (1 Hour Minimum)
Research Fee $20.00 $20.00 per Hour (1 Hour Minimum)
Courtesy Pay Fee  $25.00 per Item
Visa Gift Card  $3.50 per card
All Shares and Share Draft Checking Accounts Fee
Automatic Overdraft Transfer From Savings  $5.00 per Item
Automatic Overdraft Transfer From Money Market or Club Accounts  NOT ALLOWED
Advances From Overdraft Line of Credit - Fees  $5.00 per advance
Non Sufficient Funds Fee (NSF Fee)  $25.00 per Item
Courtesy Pay Fee  $25.00 per Item
Uncollected Funds Fee  $25.00 per Item
Deposited Item Returned (Return Check Fee)  $15.00 per Item
Stop Payment Fee $15.00 Per Item
Stop Payment Fee - Block of Checks $35.00 per Block
Tax Club Withdrawal Fee 
(Withdrawal Fee only assessed for Withdrawals other than for Taxes or Homeowners Insurance)
$25.00
Account Closure Fee
(Account Closure Fee only assessed if account is closed within 90 days of when it was opened)

$25.00

Effective 7/1/21 this fee will be reduced to $5.00.

 Online Bill Pay Inactivity Fee  $5.00 per month (if inactive 90 days or more)
Individual Retirement Accounts (IRA) Fee
Annual IRA Maintenance Fee 
(fee waived for members who have an active loan in good standing)

$15.00 per year per IRA charged to IRA Account on January 15th

Effective 7/1/21 this fee will be eliminated.

IRA Closure / IRA Transfer Fee  $25.00 per closure or transfer
Research Requests Fee
Statement Copies  $2.00 per Statement
Check Copies  $2.00 per Check / $5.00 per check if older than one year
Account Reconciliation  $20.00 per Hour (1 Hour Minimum)
Account History Copy (Computer Printout)  $2.00 per Occurrence
Miscellaneous Fee
Money Orders  $2.00 Each 
Wire Transfers - Outgoing  $15.00
Credit Union Checks 

1 Free per Month / $3.00 Each Thereafter

Effective 7/1/21 one free per month will be eliminated. All credit union checks will be $1.00 per check. 

Notary Service  No Fee
Dormant/Inactive Account Fee (Regular Share Balances below $500.00) 

$2.00 per Month (After 1 Year)

Effective 7/1/21 this fee will be increased to $15.00 per Month after one year of dormancy.

Dormant Account / Escheat Processing Fee  $5.00
Mail Handling / Return Mail Fee $5.00
Legal Services / Orders  $50.00
Check Protest Fee  $15.00
Loan Modification Fee
(May Request After One Year's Worth of Payments) 
$250.00
Loan Subordination Fee  $250.00
Mortgage Discharge Fee  $50.50 or current municipal rate in effect
Mortgage Discharge Replacement Fee  $25.00
Loan Coupon Book (Per Book)  $25.00
Lien Release Copy  $10.00
Non-Member Check Cashing Fee - Effective 7/1/21 Effective 7/1/21 non-members will be charged $5.00 per item to cash checks drawn off the credit union or member share drafts drawn of of member share draft accounts.