Rates & Fees

Our Services

Rates & Fees

Loan Rates

Effective as of: 1/1/2023

Loan TypeAPR* as low as
New Auto4.25%
Used Auto4.50%
Home Equity Loancall 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: 06/25/2024

 Dividend RateAPY*
$100.00 to $9,999.990.05%0.050%
$10,000.00 to $49,999.990.05%0.050%
$50,000.00 plus0.10%0.100%
Holiday Savings
 Dividend RateAPY*
Minimum Deposit $100.002.00%2.00%
 Dividend RateAPY*
IRA Accounts
 Dividend RateAPY*
Minimum Balance $100.000.20%0.200%
Money Market
 Dividend RateAPY*
$2,000.00 to $4,999.992.00%2.00%
$5,000.00 to $29,999.993.00%3.00%
$30,000.00 plus4.00%4.00%

Certificate Rates

Effective as of: June 25th, 2024

$1,000.00 – $9,999.00  
13 Months3.00% 
18 Months3.25% 
25 Months3.50% 
$10,000.00 – $49,999.00  
13 Months4.00% 
18 Months4.25% 
25 Months4.50% 
$50,000.00 Plus Special   
13 Months5.10% 

*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

Share Account Fees

Excessive Withdrawals, Transfers & Overdrafts

/Transaction $5.00
Exceeding (6) per month (Regulation D)
Share Draft Value

Opening Minimum

Share Draft Account Fees


/Item $35.00

Overdraft Courtesy Pay Fee

/Item $35.00

Stop Payment Fee

/Item $35.00


by Style Varies
Money Market Value

Opening Minimum


Money Market Account Fees

/Withdrawal $5.00
In excess of (3) per month
Holiday Savings Account Fees

Premature Withdrawals

/Withdrawal $10.00
Through October 31st
EFT Fees

ACH Overdraft/ Courtesy Pay Fee

/Item $35.00

ATM / Debit Card Overdraft / Courtesy Pay

/Item $35.00

Debit Card Replacement Fee

/Card $25.00

Pin Change/ Reissue Fee

/Request $5.00

Debit Card Overnight (2 Day) Fee

See Special Handling Form

Pin Overnight (2 Day) Fee

See Special Handling Form
Loan Account Fees

Credit Card Late Payment Fee

/Occurrence $35.00

Credit Card Over Limit Fee

/Occurrence $30.00

Credit Card Return Payment Fee

/Item Returned $35.00

Reissue Credit Card Fee

/Card $25.00

Late Payment Fee on All Other Loans

of Payment Amount 5%
($35.00 Maximum)

Release of Lien

Other Service Fees

Applicable to All Accounts

Account Reconciliation

/Hour $50.00
$25.00 Minimum

Account Research

/Hour $50.00
$25.00 Minimum

Account Statement


Account History Copy

/Page $1.00

Check Cashing

of Check Amount 2%
(no fee for member with services/activity)

Copy of Checks

/Copy $2.00

1098/1099 Copy Fee

/Copy $2.00

Deposited Item Return Fee

/Item $35.00
(3rd Party)

Deposited Item Return Fee

/Item $35.00
(Member’s own check at another FI)

Dormant Account Handling

Quarterly $15.00
After (12) months inactivity (some exceptions may apply)

Early Account Closure

Within (90) days of opening

Escheatment Fee

Up to $50.00

Release of Account Hold

/Occurrence $5.00

Money Order

/Money Order $2.00

Non-Automated Phone Account Inquiry

/Request $1.00
No fee for ages 65+

ECM Payment Processing Fee

/Payment $7.50
(over-the-phone payment)

ECM Payment Processing Return Fee

/Item $35.00

ECM Recurring Payment One Time Stop

/Stop $35.00

Photocopy Fee

/Page $0.25

Overnight Courier Service

/Item $50.00

Returned Mail

/Item $5.00

Second / Third Chance Checking Service Fee


Checking Acct Charge Off Reopening Fee


Temporary Check

/Page $2.00
4 Checks per page

Third Party Credit Union Check

/Check $2.00
(Cashier’s Check)

Wire Transfer - Outgoing

/Transfer $25.00

Wire Transfer - Incoming

/Transfer $5.00

Loan Extension


Title Documentary Fee


Home Equity Application Fee

Added to closing costs

The 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.

Printable PDF of this Fee Schedule


Call us at 432.520.3443 or fill out the form below. 

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