Effective August 30th, 2017 and Subject to Change at CLFCU Discretion. Please contact us to verify accuracy.

Membership fee NONE
Closed Membership fee $5.00 if closed within 6 months after membership opened
Re-Open Account fee $20.00
Dormant Account fee $3.00 per month after 2 years of inactivity

Basic Share Draft (Checking) Account Fees:

Below Minimum Balance fee None (No minimum balance required)
Inactive Account Fee $2.00 per month after 1 year of inactivity

E-Checking Share Draft (Checking) Account Fees.

Relationship Balance Monthly Service Charge
$2,500.00 and over $0 per month
$1,000.00 to $2,499.99 $3 per month
$0.00 to $999.99 $6 per month
Inactive Account Fee $2.00 per month after 1 year of inactivity

Share Draft (Checking) Account Fees for Basic and E-Checking.

Non-Sufficient Fund Fee $29.00 per item
Draft Courtesy Pay Fee $32.00 per item
ACH Returned Item fee $29.00 per item
ACH Courtesy Pay fee $32.00 per item
ACH Origination $5.00
Returned Item fee (Personal Acct) $15.00 per check
Returned Item fee (Non Personal) $15.00 per check
Stop Payment Fee $20.00 per item
Share Draft Copy fee $5.00 per item
Overdraft Transfer From Savings $3.00 per transfer
Overdraft Transfer From Credit Line NONE
Check Orders via phone/teller $5.00
Check Orders via Harland Clarke None
Check vary by design
CLFCU Debit Card Usage fee NONE
CLFCU ATM Machine Usage fee NONE
Replacement Card fee $15.00 per card
ATM Honor Fee $32.00 per item
ATM Balance Inquiry Fee (Accurate balance info is available FREE thru A.R.T. or O.T.I.S.) $1.00
ATM Usage Fee – Non Member $2.50
Replacement Card fee $15.00
NSF Check fee per card $29.00 per check
Draft Copy fee $5.00 per card
ATM Transaction Cash Advance Fee $0.50 per advance
Over Limit fee $20.00 if $100.00 over limit
Late Payment fee $20.00 after 10 days
Annual Membership fee NONE
“Rush” Phone Payment (Servicecopr) $3.00
Teller Cash Advance fee- Free with CLFCU Visa Card Other Cards -Free
Cashiers Check fee $5.00
Non-member, on us check cashing $5.00
Non-Member Cashiers Check $10.00 per check
Money Order fee $2.00 per money order
Non-Member Money Order $3.00 per money order
Outgoing Wire Transfer fee $25.00 per wire transfer
Incoming Wire Transfer fee NONE
Temporary check $0.25 each
Gift Envelope Free
Xerox copies fee $0.25 per page
Fax fee- Local $1.00 per page
Fax fee -Non-Local $2.00 per page
Check cashing fee (if not exempt) $5.00 per transcation
*Avoid this fee with one of the following
  • E-Checking Account
  • Minimum Average Relationship balance
  • Under the age of 21 are exempt
Loan Payoff Fax/Ltr. fee $20.00 per fax/ltr
Early Loan Payoff fee NONE
Consumer Loan Application fee NONE
Mortgage Application fee $50.00
Mortgage Late fee 5% of payment after 15 days
Mortgage Document fee $150.00
Late Payment fee 20.00 after 15 days
Loan Payment Return Item fee $29.00 per item
Vehicle Title Processing fee $20.00
UCC1 Processiong fee $15.00
Internal Refinance, if not adding new money, only to reduce rate $100 consumer
$250 Real estate

Certificate Account Fees

Early Withdrawal Penalty fee: Terms of 6 months-60 months 180 days of dividends

IRA Fees

Early Closing (within 24 mos) $50.00
Open Fee $20.00

Health Savings Accounts

New Account Set-Up fee $10.00
Monthly fee if Balance Below $1000.00 none
Account Closed Within 24 Months fee $20.00

Money Management Savings Accounts

Excessive Withdrawals fee $10.00 ea.
Account Closed Within 6 Months of Open fee $25.00

Other service fees applicable to all accounts:

Account Reconciliation fee $10.00/hour
Duplicate Mo./Qtrly Statement $5.00
Request for Verification of Deposit $5.00
Returned Mail fee $5.00
Telephone Transfer/Inquiry Fee (Info is available FREE thru A.R.T. but a fee for Member preferring a person) $2.00
Notary Service fee: FREE with E-Checking Account $2.00
Account Collection $20.00
Christmas Club Early Withdrawal fee $5.00