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 FeeFREE
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 FeeFREE
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 accountsFree
Temporary Checks:Sheet of 4 temporary checks$5 per sheet
Share Draft Copy$3 per item
Statement Copy$3 per month
Share Draft PrintingVaries 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 ReplacementNo Charge
Rushed Debit Card $40 per card
Other Service Fees:
Notary PublicFREE
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 WireFREE
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 FeeNo 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

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New Online Banking LOGIN Instructions
When you log into Online Banking for the first time after our upgrade, you will be required to enter your Login ID and Security Code.

LOGON ID is your Primary Member Number. Your Logon ID must contain at least 6-digits. If your Member Number is less than 6 digits, you must enter the leading zeroes to make it 6 digits.

12345 must be entered as 012345.
1234 must be entered as 001234.
123 must be entered as 000123.

SECURITY CODE is the last 4-digits of the Primary Account Holder’s Social Security Number

You will be prompted to change your Logon ID and Security Code

Once these are changed, you will use your NEW Logon ID and Security Code the next time you log on to Online Banking.
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