General Fees

Money Orders                           $3.00

Travelers Checks                       1% of face value

Courier Service                          cost + $5.25

Federal Express                         cost + $5.00

Overnight Mail                           cost + $5.00

Notary Service                          $10.00 per signature

(unless you have 4 or more products with CCFCU)

Bad Address Fee                       $5.00 per month

Tax Form Replacement               $5.00 per form

SAVINGS FEES

Membership Fee                                        $5.00

Excess W/D Fee (First 3 free/month)            $3.00/withdrawal

3rd Party W/D Fee                                     $3.00/item

International Wire Fee (Outgoing & Incoming)  $30.00/wire

Wire Transfer                                              $15.00/wire

Incoming Wire Fee                                      $10.00/wire

Legal Process/Tax Levy                             $20.00

Collection Item                                           $20.00/item

Returned Deposit Item                                 $20.00

Bank Check Stop Payment                         $15.00/item

Statement Copy                                         $3.00/page

Interim Statement                                        $2.00/page

Locator Service (Address correction)             $10.00

Closing Fee (Within one year of opening)       $10.00

Reopen Closed Account Fee                        $10.00

Dormant Account / Escheat Notification          $5.00/notice

Verification of Deposit                                  $10.00

Check Cashing (Single Product Accounts Only)

Waived with minimum balance of $500.00 or

other loan accounts open                              $10.00

Balance Inquiry (telephone inquiry only)         $2.00/inquiry*

Transfer per request (telephone request only)   $2.00/transfer*

* These fees waived when using First 24 audio response or Home Banking

   (Limit 6 transfers per month)

ACH Stop Payment                                     $15.00

Checking Accounts FEES (Monthly)

Basic Checking                                          $1.00

-Per check over 20 each month                    $0.20

-Automatic Overdraft from Savings (per transfer) $1.00                    

Essential                                                   $6.00

Prestige                                                     $9.00

(Fee waived with average daily balance of $1,000 or more)                                                              

Student                                                      $2.00

 (Fee waived with direct deposit of $200. or more

   or min. balance of $200)

 Money Market Account (4thCheck, Draft, or Debit $20.00

ATM Transactions – Four per month free    $1.50 after 4

(Unlimited free access to CCFCU ATMs)                                     

Personalized Checks                                  varies

Balance Inquiry (telephone inquiry only)         $2.00/inquiry*

Transfer  request (telephone only)  $2.00/transfer*

* These fees waived when using First 24 audio response or Home Banking (Limit 6 transfers per month)

Return Deposit item Fee                             $20.00/item

Insufficient Funds (NSF)                              $20.00/item

Returned ACH Fee                                     $20.00/item

Stop Payment Fee                                     $15.00/item/range

Stop Payment (Bank check)                        $15.00/item

Statement Copy                                         $3.00/page

Interim Statement                                        $2.00/page

3rd Party W/D Fee                                     $3.00/item

Verification of Deposit                                  $10.00

International Wire Fee (Outgoing & Incoming)  $30.00/wire

Wire Transfer                                              $15.00/wire

Incoming Wire Fee                                      $10.00/wire

Legal Process/Tax Levy                             $20.00

Collection Item                                           $20.00/item

Foreign Check Collection Item                      $30.00Check Photocopy (First 3 free per month)             $5.00/copy

Temporary Checks (If no regular check order placed)     $2.00/order

Signature Guarantee                                    $3.00/signature

Account Reconciliation/Research                   $30.00/hour

Replacement Plastic Card                            $10.00

-2nd Replacement Card                               $20.00

-3rd Replacement Card                                $30.00

VISA FEES

VISA Over-Limit Fee                                  $20.00

Replacement Plastic Card                            $10.00

-2nd Replacement Card                               $20.00

-3rd Replacement Card                                $30.00

Returned VISA Payment                             $20.00

Cash Advance Fee (from the A.T.M)            $1.00

Cash Advance Fee (on us or foreign card)

                1% of transaction or $5.00 whichever is greater

VISA Late Charge                                      $15.00

LOan  Charges

Loan Application Fee                                   $25.00

(refunded when loan funds or is denied)

Consumer Loan Late Charge        20% of finance charge

or $10.00 whichever is less.

Line of Credit Late Charge                            $15.00

Real Estate Loans                            6% of payment 

Returned Loan Payment                              $20.00

Real Estate Loan Charges

Reconveyance Fee                                    $45.00

Subordination Charge                                  $250.00

Holiday Club Accounts

Early Withdrawal/Close Account                    $5.00

(Withdrawal prior to second Friday in November will result in account closure)

Individual Retirement Accounts

Account Closure Fee                                  $15.00

ATM Transaction Charges

ATM Transactions – Four per month free   $1.50 after 4

(Unlimited free access to CCFCU ATMs)