Effective February 20, 2024 and subject to change at CLFCU discretion. Please contact us to verify accuracy.
Share Accounts
| 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 presentment of an item |
| Draft Courtesy Pay Fee |
$32.00 per item |
| ACH Returned Item Fee |
$29.00 per presentment of an item |
| ACH Courtesy Pay Fee |
$32.00 per item |
| ACH Origination |
$25.00 |
| Returned Item Fee (Personal Acct) |
$15.00 per item |
| Returned Item Fee (Non Personal) |
$15.00 per item |
| 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 |
$3.00 |
| 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
| Loan Payoff Fax/Ltr Fee |
$20.00 per fax/ltr |
| Consumer Loan Doc Fee |
$50.00 |
| Quick Cash Loan Doc Fee |
$20.00 |
| Early Loan Payoff Fee |
None |
| UCC Filing/Release Fee |
$25.00 |
| Consumer Late Payment Fee |
$20.00 after 15 days |
| Loan Payment Return Item |
$29.00 per item |
| Vehicle Title Processing Fee |
$20.00 |
| Partial Mortgage Release Fee |
$150.00 |
| Mortgage Doc Prep Fee |
$400.00 |
| Mortgage Loan Application Fee |
$100.00 |
| Mortgage Late Payment Fee |
5% of payment after 15 days |
| 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 |
$5.00 |
| Account Collection |
$20.00 |
| Christmas Club Early Withdrawal Fee |
$5.00 |
| Levies and Garnishments |
$25.00 |
| Mailed Paper Statements (FREE for eStatements) |
$5.00 |
| Negative Account Fee (Does not apply to accounts with Courtesy Pay or other NSF fees) |
$3.00/day after the 3rd day |
