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Rates
Loan Rates Deposit Rates Certificate Rates Fee Schedule
Effective as of: February 1, 2026
| Fee Schedule | ||||
| Account Fees | ||||
| Account Number Change Fee (Unless Confirmed Fraud) | $ 25.00 | Per Occurrence | ||
| ATM Inquiry1 | $ 1.00 | Each | ||
| ATM Withdrawal1 | Free | |||
| Coin Counting Fee | 5.00 % | Of Balance Over $300 | ||
| Corporate Checks—Member | $ 3.00 | Each | ||
| Corporate Checks—Non-Member | $ 15.00 | Each | ||
| Draft (Check) Copy | $ 5.00 | Each | ||
| Dormant Share Draft Account Fee | $ 5.00 | Per Month | ||
| E-Statements | Free | |||
| Paper Statements | $ 5.00 | Per Month | ||
| History Print Out | $ 5.00 | Each | ||
| Inactive/Dormant Account Fee | $ 5.00 | Per Month | ||
| International ACH Transaction [IAT] Fee | $ 5.00 | Per Item | ||
| Late Document Fee | $ 50.00 | Per Item | ||
| New Account Closing Fee(within first 3 months) | $ 5.00 | |||
| Debit Card Rush Fee | $ 95.00 | Per Card | ||
| New Membership Fee | $ 5.00 | Each | ||
| Non-Sufficient Funds [NSF] Fee | $ 29.00 | Per Presentment | ||
| Overdraft Advance Fee2 | $ 29.00 | Each | ||
| Overdraft Protection From Shares | $ 5.00 | Per Transfer | ||
| P.O.S. Chargeback/Copy Request (Unless Confirmed Fraud) | $ 25.00 | Each | ||
| Reconciliation/Research (1 Hour Minimum) | $ 30.00 | Per Hour | ||
| Regulation D Exception Transfer | $ 29.00 | Each | ||
| Replacement Debit Card/PIN | $ 25.00 | Each | ||
| Return Statement/MAil Fee | $ 5.00 | Each | ||
| Returned Deposit Item—3rd Party | $ 29.00 | Each | ||
| Returned Deposit Item—Member | $ 29.00 | Each | ||
| Share Draft Account Service Fee | $ 3.00 | Per Month | ||
| Statement Copy | $ 10.00 | Per Month | ||
| Stop Payment Request/Cancellation | $ 29.00 | Each | ||
| Manual ACH Post | $ 29.00 | Per Occurrence | ||
| Virtual Branch [VB] Online Banking | Free | |||
| VB Bill Pay Service | Free | |||
| VB (Bill Payment) Check Copy | $ 35.00 | Each | ||
| VB (Bill Payment) Research Fee | $ 50.00 | Per Hour | ||
| 1 ATM terminal owner may charge an additional fee. | ||||
| 2 The categories of transactions for which an overdraft fee may be imposed may be processed by any of the following means: share draft (check), in-person withdrawal, automated clearing house (ACH) or any other electronic means. | ||||
| Loan Fees | ||||
| Automatic Loan NSF Payment Fee (from FFCU account) | $29.99 | Per Loan | ||
| GAP Cancellation Fee | $ 25.00 | Each | ||
| Loan Late Fee | $ 35.00 | After 5 Days | ||
| Loan Subordination Fee | $ 75.00 | Per Occurrence | ||
| Lost/Replacement Lien Release | $ 10.00 | Each | ||
| Online Payment Fee | Online Payment Fee | Per Loan Payment | ||
| Refinance Fee | $ 50.00 | Per Loan | ||
| Repossession Fee | $ 50.00 | Each | ||
| Skip-A-Pay Fee | $ 35.00 | Per Loan | ||
| electronic Payment Fee (1-time Payment from Non-FFCU Account) | $ 10.00 | Per Loan Payment | ||
| Warranty Cancellation Fee | $ 25.00 | Each | ||
| Miscellaneous Fees | ||||
| Collection Item Fee | $ 35.00 | Each | ||
| Deposit Verification | $ 15.00 | Each | ||
| Foreign Collection Item Fee | $ 50.00 | Each | ||
| Legal Process Fee (i.e., garnishment, levy or subpoena) | $ 100.00 | Each | ||
| Non-Member Check Cashing Fee | $ 15.00 | Each | ||
| Safe Deposit Box Drilling Fee | $ 200.00 | Per Occurrence | ||
| Safe Deposit Box NSF Payment Fee | $ 29.00 | Per Occurrence | ||
| Wire Transfers (Inco) | Free | |||
| Wire Transfers (Outgoing) | $ 30.00 | Each | ||
| Paper Statements | $ 5.00 | Per Month | ||
| Invalid Wire Instruction Fee | $250.00 | Per Occurrence | ||
| Remote Deposit Return Fee | $29.00 | Each | ||
| Negative Account Fee (Negative 20 Days) | $29.00 | Per Occurrence | ||
| Loan Late Document Fee | 50.00 | |||