Rates and Fees
Loan Rates VISA APR and Fees Savings Rates Investment Rates Fee Schedule
Effective as of: Effective January 18, 2023
Fee Schedule | |
Share/Share Draft Account Fees: | |
Account Set-Up Fee | FREE |
Savings Only | $5.00 per month |
Waived with $500 direct deposit or an active MFFCU loan | |
Account Closure Fee | $10 |
If account is closed within 180 days of opening | |
Account Reopen Fee | FREE |
Dormant Account Fee | $10 per month |
An account is considered inactive if for one year no withdrawals, deposits, or payments other than dividends have been made to the account. The fee is waived if you have a service of the credit union such as a Share Certificate, IRA, or a loan or VISA account. | |
Return Mail fee | $5 per item |
Fresh Start Checking | $10 per month |
Premier Checking | FREE |
Includes Online Banking Includes Online Bill Pay | |
Non-Sufficient funds | $30 per item |
Overdraft Coverage | $30 per item |
Overdraft Transfer | $5 per item |
The categories of transactions for which a non-sufficient funds fee or an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM/Debit withdrawal, or other electronic means. | |
ACH Courtesy Pay | $30 per day |
Draft Courtesy Pay | $30 per day |
Debit Courtesy Pay | $30 per item |
Stop Payment | $30 per item |
Temporary Checks:First set of 4 for new accounts | Free |
Temporary Checks:Sheet of 4 temporary checks | $5 per sheet |
Share Draft Copy | $3 per item |
Statement Copy | $3 per month |
Share Draft Printing | Varies by style |
Copy of Account History | $1 per page |
PAL (Personal Access Line) | FREE |
Mailed Statements | $2.50 per month |
ATM/Debit Card fees: | |
Replacement Card Fee | $15 per card |
ATM/Debit PIN Replacement | No Charge |
Rushed Debit Card | $40 per card |
Other Service Fees: | |
Notary Public | FREE |
Account Reconciliation | $25 per hour |
Account Research | $25 per hour |
Collection Items | $30 |
Cashiers Check | $4 per check |
Money Order | $2 per money order |
Christmas Club early Withdrawal-Close | $5 |
Foreign Item Handling | $6 |
Domestic Incoming Wire | FREE |
Domestic Outgoing Wire | $25 per wire |
International Incoming And outgoing Wire | $50 per wire |
Legal Processing Fee | $25 each |
Written Verification of Deposit | $10 per request |
Loan Fees: | |
Non-member Application Fee | $20 (deposited into account once loan is approved) |
Late Payment Fee | $25 After 10 days |
Written Payoff Request | $10 per request |
Skip-A-Payment | $30 per loan |
Quick Cash Loan Fee | $20 per loan |
VISA Fees: | |
Late Payment Fee | $25 After 10 days |
Cash Advance Fee | No Charge |
Card Center Phone Payment Fee | $5 per payment |
Draft Copy Fee | $3 per copy |
Card Replacement | $10 |
Rushed Credit Card | Varies |
Safe Deposit Boxes: | |
Box Size | Rental Fee |
5 x 5 | $15 per quarter |
3 x 10 | $15 per quarter |
5 x 10 | $20 per quarter |
10 x 10 | $25 per quarter |
Key Replacement | $25 per key |
Box Drilling | $100 |
Late Payment Fee | $5 per month |