RATES/FEES

Fees

Fee Schedule

*Effective January 01, 2018

 

Account Research- Per hour/ 1 hour minimum $25.00
RCFCU ATM Transactions- Non Members $3.00
Image Check Copy – Older than 12 months $3.00
Corporate Check- Less than $1000 $3.00
Counter Checks- Per Pack of Four $1.00
Dormant Account Fee- Per Quarter $15.00
Early Account Closure Fee Less Than 90 Days $5.00
Expedited Debit/Credit Card Fee $55.00
Fax Transmissions- Per Page $1.00
Health Savings Account – Per Quarter $5.00
Money Order $2.00
Online 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
Replacement Debit/Credit Card Fee $10.00
Skip a Payment Fee (Per Loan) $25.00
Statement Copy Per Month – Older Than 12 Months $1.00
Stop Payment- Per Item $25.00
Telephone Credit/Debit Card Fee $5.00
VISA   *Gift Cards

*Travel Cards

*Reloadable Debit Card

 

$3.00

$10.00

$10.00

 

Wires (Incoming)

CU to CU Transfer

$5.00
Wires (Outgoing)   *International /Foreign Currency

Wires (Outgoing)   *International /US currency

Wires (Outgoing)   * Domestic

$35.00

$45.00

$25.00

Writ/Levy Processing Fee $35.00
Foreign Cash Letter $6.00
Paper Statements – If Under 62 $2.00
E-Statements FREE

 

Early Withdrawal Penalty For Certificates

 

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  0.03%
 12 Month Certificate  0.08%
 18  Month Certificate  0.20%
 30 Month Certificate  0.45%
 Christmas Club Account Rate  TBD
 Primary Share Account Rate  0.03%
 Sub Shares  0.03%
VISA Secured  0.03%
Medical Savings  0.03%
Money Market  0.08%
Traditional IRA  0.45%
Educational IRA  0.45%
Roth Conversion  0.45%
Roth Accumulation  0.45%
SEP  0.45%

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