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. |
