Schedule of Fees

SAVINGS ACCOUNT
Membership Fees No Charge
Holiday Saver Account Early Withdraw Penalty $30.00
Summer Saver Account Early Withdraw Penalty $30.00
CHECKING ACCOUNT
Regular Checking Account
(Monthly Service Charge. Exceptions: Under 18 and over 62 or where the balance doesn't fall below $500 at any time during the cycle from the 15th to the 15th of each month.)
$5.00
Business Checking Account
(Monthly Service Charge)
$20.00
Opportunity Checking Account
(Monthly Service Charge)
$10.00
Non-Member Check Cashing
(on-us/Official)
$10.00
Counter Checks
(Each. Exception: First 5 free with new checking account)
$5.00
Nonsufficient Funds Check (NSF) or NSF Preauthorized Payment $33.00
Overdraft Privilege $33.00
EFT and ACH Non-Sufficient Funds $33.00
Uncollected Funds Fee $33.00
Stop Payment
(Per Item)
$25.00
Copies of paid items $3.00
Overdraft Protection from Shares
(Maximum of six transfers per month)
$3.00
Printout of Activity on Account
(Per Request)
$2.00
Returned Deposit Check Fee
(Per Check)
$15.00
Research of Account
Charged at the rate of $50.00 per hour with a minimum charge of $25.00
$50.00 per hour
$25.00 minimum charge
AUTOMATIC TELLER MACHINE (ATM) CARD / VISA DEBIT CARD
Initial Card(s) Cost No Charge
Lost/Stolen/Damaged Card Replacement Fee $5.00
Special Handling/Overnight Fee $60.00
FICU ATM Machine No Charge
Point of Sale
(Opportunity & Regular Checking Accounts)
$0.20
Empty Envelope Deposit $25.00
International Service Assessment Fee 1% of amount
IRA ACCOUNT
Annual Service Fee No Charge
Transfer Fee to Another Institution No Charge
MISCELLANEOUS FEES
Notary $10.00 per signature
Coin Fee
(Business Accounts Only)
10% of amount
Verification of Deposit $5.00
Statement Copies
(Each)
$5.00
Net Teller / Online Banking
(Unlimited Use)
NO CHARGE
Money Orders $5.00
Outgoing Domestic Wire Transfers $30.00
Incoming Domestic Wire Transfers $30.00
International
(Outgoing)
$60.00
Legal Services on Accounts
(Levy, attachment, garnishment, etc. Each)
$50.00
Foreign Item Processing
(Per item)
$30.00
Photocopies of Checks for Deposit
(Per check)
$3.00
Cashier's Check $8.00
Official Check $8.00
Returned Mail $5.00
Escheat Notice
In accordance with California State Law, accounts inactive for 3 years will be escheated to the State of California
$2.00
LOAN FEES
Loan Application
(Only applies to applicatiosn that were denied within a six month period)
$25.00
FICU Loan Refinance $50.00
Reconveyance $75.00
Returned Loan Payment $25.00
Car Fax $20.00
Mortgage Origination
(Minimum $750.00)
1% of amount
LATE FEES
Signature Loan $20.00
Visa $10.00
Mortgage 6% of regular payment
All other Loans 5% of regular payment