RATES/FEES

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 Less90-day interest penalty
Certificate Term Over 6 Months180-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