The following fees may be assessed. Effective May 1, 2023.
| Accounts | ||
| 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 | $8.00 | For Regular Share or Share Draft accounts closed within 90 days of opening |
| Copy of Account History | $5.00 per page | Avoid by signing up for Online Banking & eStatements |
| Copy of Account Statement | $5.00 per page | Avoid by signing up for Online Banking & eStatements |
| Copy of Draft | $5.00 | Avoid by signing up for Online Banking |
| Dormant Account Fee | $10.00 per month | No activity in one year- Avoid by utilizing account |
| Early Closure of Club Account | $15.00 | Avoid by leaving money in account until release date |
| Paper Statement | $3.00 per month | Excludes 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 | $7.00 | Avoid 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 |
| Checks | ||
| Certified Corporate Draft | $5.00 each | |
| Starter Checks | Free up to 12 checks upon opening | |
| Emergency Checks | $2.50 per page (4 cks) | In-house printing |
| Vendor Checks | Varies per style | |
| Money Market | $2.50 per page (4 cks) | In-house printing |
| Wire Transfers | ||
| Incoming | $10.00 | |
| Outgoing (Domestic Only) | $20.00 | |
| Loans | ||
| CarFax Fee | $20.00 | Avoid by asking for a copy at the purchasing dealership |
| Consumer Loan Late Payment | $10 or 5% of Payment Amount- Whichever is greater | Avoid by making the payment during the 10-day grace period |
| Mortgage Loan Late Payment | 5% of Payment Amount | Avoid by making the payment during the 15-day grace period |
| Skip-A-Payment | 15% 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 | $15.00 | Setup automatic transfer |
| Loan Payment by Website | $5.00 | Setup 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 ATMS | Varies per Institution | ATMs that are not operated by LCU may charge a fee. Check the website for surcharge free ATMs in your area. |
| Credit Card Late Fee | $25.00 | Avoid by making payment during the 10-day grace period |
| Credit Card Returned Payment | $25.00 | |
| Negative Balance Fees | $35.00 per item | As 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 | |
| Other | ||
| Attorney Review | $75.00 | Review 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 |