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MemberFocus Community Credit Union |
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Relationship-based Fees and Benefits |
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Effective February 1, 2008
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| SERVICES |
Silver |
Gold |
Platinum |
| Loan Rates* |
as published |
-1/8% APR |
-1/4% APR |
| Checking Account |
no fee |
no fee |
no fee |
| -Check printing |
At published rate |
1 box standard style/yr |
1 box any style/yr |
| -Check printing with direct deposit |
1 box standard style/yr |
1 box any style/yr |
2 boxes any style/yr |
| Overdraft Protection |
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| -Within Same Account |
$2.00/transfer |
$1.00/transfer |
no fee |
| -From Another Account |
$15.00/transfer |
$10.00/transfer |
$5.00/transfer |
| -From Approved Line of Credit |
no fee |
no fee |
no fee |
| -Courtesy pay fee |
$22.00/item |
$20.00/item |
$18.00/item |
| NSF Fee |
$24.00/item |
$22.00/item |
$20.00/item |
| Stop Payment |
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| -Lost |
$10.00/item |
$10.00/item |
$10.00/item |
| -Other |
$15.00/item |
$15.00/item |
$15.00/item |
| -Money Orders |
$12.00/item |
$12.00/item |
$12.00/item |
| -Cashier's Checks |
$15.00/item |
$15.00/item |
$15.00/item |
| Chargeback of Deposited Items |
$5.00/item |
$4.00/item |
$3.00/item |
| Chargeback of Deposited Items (Self Drawn) |
$22.00/item |
$20.00/item |
$18.00/item |
| Chargeback of Re-deposited Items |
$15.00/item |
$15.00/item |
$15.00/item |
| Copies |
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| -Checks/Statements |
$2.00/page |
$1.50/page |
$1.00/page |
| -Checks/Statements via MemberConnect |
no fee |
no fee |
no fee |
| -Money Orders |
$12.00/item |
$12.00/item |
$12.00/item |
| Foreign Items |
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| -Processing/Collections |
$5.00/item |
$5.00/item |
$5.00/item |
| Wire Transfers |
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| -Outgoing (Domestic) |
$15.00/transfer |
$15.00/transfer |
$15.00/transfer |
| -Outgoing (International) |
$35.00/transfer |
$35.00/transfer |
$35.00/transfer |
| -Incoming |
$5.00/transfer |
$2.50/transfer |
no fee |
| ATM/Debit Cards |
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-HFCC , MemberFocus or
Co-op Network ATMs |
no fee |
no fee |
no fee |
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ATM/Debit Card Rush
-All other ATMs** |
$25.00$1.00 /transaction |
$25.00
$1.00 /transaction |
$25.00$1.00 /transaction |
| -ATM Balance Inquiries |
$1.00/transaction |
$1.00/transaction |
$1.00/transaction |
| -ATM Transfers between accounts |
$1.00/transaction |
$1.00/transaction |
$1.00/transaction |
| -Lost Card Reissuance Fee |
$5.00/card |
$5.00/card |
$5.00/card |
| Other Services |
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| Audio Teller |
no fee |
no fee |
no fee |
| MemberConnect Web |
no fee |
no fee |
no fee |
| Service Centers |
$1.50 ***/transaction |
$1.50 ***/transaction |
$1.50 ***/transaction |
| Bill Payment |
$4.95/month |
$4.95/month |
$4.95/month |
| Bill Payment with E-statements |
no fee |
no fee |
no fee |
| Inactive Bill Payment (After 3 months) |
$15.00 |
$15.00 |
$15.00 |
| Traveler's Checks |
$1.00/$100 |
no fee |
no fee |
| Traveler's Checks for 2 |
$1.00/$100 |
no fee |
no fee |
| Gift Checks |
$2.50/check |
$1.25/check |
no fee |
| Gift Cards |
$3.95/card |
$2.70/card |
no fee |
| Travel Cards |
$14.95/card |
$11.95/card |
$9.95/card |
| Money Orders |
$1.50/item |
$1.00/item |
no fee |
| Cashier's Checks (1 free per day) |
$1.00/item |
$1.00/item |
$1.00/item |
| Western Union Funds Transfers |
$15.50-$52.50 /item |
$15.50-$52.50 /item |
$15.50-$52.50 /item |
| Life Insurance Living Estimate |
$50.00 |
$50.00 |
$50.00 |
| Dormancy Fee-after two years of inactivity |
$10.00 |
$10.00 |
$10.00 |
| Escheat Fee |
$25.00 |
$25.00 |
$25.00 |
| Vehicle History Report |
$10.00 |
$10.00 |
$10.00 |
| Vehicle History Report with pre-approval |
no fee |
no fee |
no fee |
| Research Fee |
$20.00/hour |
$20.00/hour |
$20.00/hour |
| Account Verification |
$5.00 |
$5.00 |
$5.00 |
| Returned Mail Fee |
$5.00 |
$5.00 |
$5.00 |
| Garnishment |
$25.00 |
$25.00 |
$25.00 |
| Early Account Closing |
$5.00 within 1st 6 months |
$5.00 within 1st 6 months |
$5.00 within 1st 6 months |
| *Excluding real estate loans and Visa. Platimum level members may receive a discount on 1st mortgages. Does not apply to promotional rates. |
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| APR=Annual Percentage Rate. |
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| ** Some ATM owners, not in CO-OP Network, may charge a fee called a surcharge to access their ATMs. |
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| *** In each calendar month, any combination of the first six (6) withdrawals, deposits or loan payment transfers are free. |
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| Additional transactions of thistype will be charged a fee of $1.50 each, which will then be reflected on your monthly statement. |
