Fee Schedule

The following fees may be assessed. Effective May 1, 2023.

Account Research/Balancing$15.00 per hour
Bad Address Fee$5.00 per occurrence
Avoid by providing Credit Union with current mailing and physical address
Business Account Fee$10.00 per month
Avoid by maintaining a minimum balance of $1,500 per month
Close Account Fee$8.00For Regular Share or Share Draft accounts closed within 90 days of opening
Copy of Account History$5.00 per pageAvoid by signing up for Online Banking & eStatements
Copy of Account Statement$5.00 per pageAvoid by signing up for Online Banking & eStatements
Copy of Draft$5.00Avoid by signing up for Online Banking
Dormant Account Fee$10.00 per monthNo activity in one year- Avoid by utilizing account
Early Closure of Club Account$15.00Avoid by leaving money in account until release date
Paper Statement$3.00 per monthExcludes ages 18 & under and 65 & older- Avoid by signing up for eStatements
Non-Sufficient Funds$35.00 per item
Share Draft, ACH and Deposit items
Reg D Fee$7.00Avoid by limiting transfers from a savings/ money market account to less than 7 per month
Stop Payment Fees$35.00 per item
Share Draft, ACH Drafts, Electronic Funds Transfer Items, Post Dated Items
Single Service Account Fee$10 per month
Accounts with < $100 and no other services, Excludes 18 & under
Certified Corporate Draft$5.00 each
Starter ChecksFree up to 12 checks upon opening
Emergency Checks$2.50 per page (4 cks)In-house printing
Vendor ChecksVaries per style
Money Market$2.50 per page (4 cks)In-house printing
Wire Transfers
Outgoing (Domestic Only)$20.00
CarFax Fee$20.00Avoid by asking for a copy at the purchasing dealership
Consumer Loan Late Payment$10 or 5% of Payment Amount- Whichever is greaterAvoid by making the payment during the 10-day grace period
Mortgage Loan Late Payment5% of Payment AmountAvoid by making the payment during the 15-day grace period
Skip-A-Payment15% of Payment Amount up to nearest $Available to qualifying members
Mortgage Modification$250
Repo Redemption Fee$50.00
Loan Coupons (12)$5.00
Loan Payment by Phone$15.00Setup automatic transfer
Loan Payment by Website$5.00Setup automatic transfer
Safe Deposit Boxes
3 x 5$25.00 per year
5 x 5
$30.00 per year
3 x 10
$40.00 per year
5 x 10
$50.00 per year
10 x 10
$75.00 per year
Safe Deposit Box Drilling Fee LCU Cost
VISA® Cards (ATM, Debit Card, Credit Card, & Gift Card)
ATM fees for non-members$5.00
ATM fees for non LCU ATMSVaries per InstitutionATMs that are not operated by LCU may charge a fee. Check the website for surcharge free ATMs in your area.
Credit Card Late Fee $25.00Avoid by making payment during the 10-day grace period
Credit Card Returned Payment$25.00
Negative Balance Fees$35.00 per itemAs permitted by Regulation
Instant Issue Replacement$15.00
Credit/Debit Card Rush Fee$35.00
Replacement by mail$5.00
VISA® Gift Card$2.50
Attorney Review $75.00Review for POAs, Wills, Trusts, & other Legal Documents
Fax/Copy Fee$1.00 per page
Money Orders$5.00 each
Coin Machine$5.00 (Non-members)Avoid by opening membership
Levy/Garnishment Fee$100.00
Click Here for a PDF version of the most recent fee schedule.
Click Here for account disclosures.