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 |
