Fees
| Effective July 1, 2022 | |
|---|---|
| Account Research/Hour (1 hour minimum) | $25.00 |
| RCFCU ATM Transactions – Non member | $3.00 |
| Image Check Copy – Older than 12 months | $3.00 |
| Corporate Check – Less than $1,000 | $3.00 |
| Counter Checks – 4 Pack | $1.00 |
| Dormant Account Fee – Per Quarter | $15.00 |
| Early Account Closure Fee – Less Than 90 Days | $5.00 |
| Expedited Debit/Credit Card | $55.00 |
| Money Order | $2.00 |
| Bill Pay – One Time Set-Up Fee | $5.00 |
| NSF/Privilege Pay Fee | $25.00 |
| Postage – Address Forward Fee | $5.00 |
| Return Deposit Fee | $5.00 |
| Return ACH Origination Fee | $5.00 |
| One Time ACH Origination Fee | $10.00 |
| Early ACH Posting – Online | $10.00 |
| Early ACH Posting – In Person | $15.00 |
| Replacement Debit/Credit Card Fee | $10.00 |
| Skip a Payment Fee – Per Loan | $30.00 |
| Statement Copy/Month – Older than 12 months (FREE Online) | $1.00 |
| Stop Payment – Per Item | $25.00 |
| Telephone Credit/Debit Card Payments | $5.00 |
| Gift Cards | $3.00 |
| Travel Cards | $10.00 |
| Reloadable Debit Cards | $10.00 |
| Wires (Incoming) | $5.00 |
| MCCU to CU Transfer | $5.00 |
| Wires (Outgoing) – International /Foreign Currency | $35.00 |
| Wires (Outgoing) – International /US Currency | $45.00 |
| Wires (Outgoing) – Domestic | $25.00 |
| Writ/Levy Processing Fee | $35.00 |
| Foreign Cash Letter | $6.00 |
| Foreign Currency Fee | $22.00 |
| Paper Statements – If under 62 | $2.00 |
Early Withdrawal Penalty for Certificates
| Effective July 1, 2022 | |
|---|---|
| Certificate Term 6 Months or Less | 90-day interest penalty |
| Certificate Term Over 6 Months | 180-day interest penalty |
Savings Rates
| Share Certificates | APY – Annual Percentage Yield |
| 6 Month Certificate | Call for rates |
| 12 Month Certificate | Call for rates |
| 18 Month Certificate | Call for rates |
| 30 Month Certificate | Call for rates |
| Christmas Club Account Rate | Call for rates |
| Primary Share Account Rate | Call for rates |
| Sub Shares | Call for rates |
| VISA Secured | Call for rates |
| Medical Savings | Call for rates |
| Money Market | Call for rates |
| Traditional IRA | Call for rates |
| Educational IRA | Call for rates |
| Roth Conversion | Call for rates |
| Roth Accumulation | Call for rates |
| SEP | Call for rates |
APY is the Annual Percentage Yield. The Annual Percentage Yield (APY) is accurate as of November 6, 2012. Dividends on your savings are calculated daily, paid monthly, and are shown on your quarterly statement. Fees could reduce earnings on the account. Rates may change after the account is opened. For more current rates please contact the credit union.
**All Rates subject to change
