Fees

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 Funds 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 Prices 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 ART or OTIS) $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 (Servicecorp) $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 transaction
*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 Processing 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 Months) $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 each
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 ART 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