Our Services
Rates & Fees
- Loan Rates
- Share Rates
- Certificate Rates
- Fee Schedule
Loan Rates
Effective as of: 1/1/2023
| Loan Type | APR* as low as |
|---|---|
| New Auto | 4.25% |
| Used Auto | 4.50% |
| Home Equity Loan | call for quote |
*APR = Annual Percentage Rate
| Loan Type | APR* as low as |
|---|---|
| Personal Loan (Up to $15,000.00) | 10.25% |
| Master Card Classic | 13.90% |
| Master Card Gold | 9.90% |
| Share Secured Loan | 3.50% |
| CD Secured Loan | CD rate 2.50% |
* Annual Percentage Rate determined by individual credit rating
Share Rates
Effective as of: 05/30/2023
| Dividend Rate | APY* | |
|---|---|---|
| $100.00 to $9,999.99 | 0.05% | 0.050% |
| $10,000.00 to $49,999.99 | 0.05% | 0.050% |
| $50,000.00 plus | 0.10% | 0.100% |
Checking
| Dividend Rate | APY* | |
|---|---|---|
| N/A | 0.00% | 0.00% |
IRA Accounts
| Dividend Rate | APY* | |
|---|---|---|
| Minimum Balance 100.00 | 0.20% | 0.200% |
Money Market
| Dividend Rate | APY* | |
|---|---|---|
| $2,000.00 to $4,999.99 | 0.15% | 0.150% |
| $5,000.00 to $29,999.99 | 0.20% | 0.200% |
| $30,000.00 plus | 0.25% | 0.250% |
Please Call For Certificate Rates
Effective as of: May 19, 2020
*APY = Annual Percentage Yield
Tiered Variable Rates: Regular Share Accounts, Checking Share Draft Accounts, and Money Market Accounts are subject to a Tiered Variable Rates. The dividend rate and the annual percentage yield may change every month as determined by the Credit Union’s Board of Directors. Rates are subject to change without notice. For the current dividend rate and corresponding APY, refer to our attached rate and fee schedule.
Fee Schedule
Effective as of: January 1, 2023
Share Value
Per Value of One Share
$25.00Share Account Fees
Excessive Withdrawals, Transfers & Overdrafts
/Transaction $5.00Share Draft Value
Opening Minimum
$50.00Share Draft Account Fees
NSF Fee
/Item $35.00Overdraft Courtesy Pay Fee
/Item $35.00Stop Payment Fee
/Item $35.00Checks
by Style VariesMoney Market Value
Opening Minimum
$1000.00Money Market Account Fees
/Withdrawal $5.00Holiday Savings Account Fees
Premature Withdrawals
/Withdrawal $10.00EFT Fees
ACH Overdraft/ Courtesy Pay Fee
/Item $35.00ATM / Debit Card Overdraft / Courtesy Pay
/Item $35.00Debit Card Replacement Fee
/Card $25.00Pin Change/ Reissue Fee
/Request $5.00Debit Card Overnight (2 Day) Fee
VariesPin Overnight (2 Day) Fee
VariesLoan Account Fees
Credit Card Late Payment Fee
/Occurrence $35.00Credit Card Over Limit Fee
/Occurrence $30.00Credit Card Return Payment Fee
/Item Returned $35.00Reissue Credit Card Fee
/Card $25.00Late Payment Fee on All Other Loans
of Payment Amount 5%Release of Lien
$25.00Other Service Fees
Applicable to All Accounts
Account Reconciliation
/Hour $50.00Account Research
/Hour $50.00Account Statement
$5.00Account History Copy
/Page $1.00Check Cashing
of Check Amount 2%Copy of Checks
/Copy $2.001098/1099 Copy Fee
/Copy $2.00Deposited Item Return Fee
/Item $35.00Deposited Item Return Fee
/Item $35.00Dormant Account Handling
Quarterly $15.00Early Account Closure
$20.00Escheatment Fee
Up to $50.00Release of Account Hold
/Occurrence $5.00Money Order
/Money Order $2.00Non-Automated Phone Account Inquiry
/Request $1.00ECM Payment Processing Fee
/Payment $7.50ECM Payment Processing Return Fee
/Item $35.00ECM Recurring Payment One Time Stop
/Stop $35.00Photocopy Fee
/Page $0.25Overnight Courier Service
/Item $50.00Returned Mail
/Item $5.00Second / Third Chance Checking Service Fee
$20.00Checking Acct Charge Off Reopening Fee
$25.00Temporary Check
/Page $2.00Third Party Credit Union Check
/Check $2.00Wire Transfer - Outgoing
/Transfer $25.00Wire Transfer - Incoming
/Transfer $5.00Loan Extension
$25.00Title Documentary Fee
$50.00Home Equity Application Fee
$300The fees appearing in this schedule are accurate and effective for accounts as of the stated Effective Date. If you have any questions or require current fee information on your accounts, please call Members Financial Federal Credit Union.
This is an overview of fees for the Credit Union, after accounts are opened a Truth-In-Savings account disclosure will be provided by the Credit Union.
