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)
|Account Closure Fee
(Account Closure Fee only assessed if account is closed within 90 days of when it was opened)
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|
|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|
|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)
|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.|