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 | 4.75% |
| Used Auto | 5.00% |
| Home Equity Loan | call for quote |
*APR = Annual Percentage Rate
| Loan Type | APR* as low as |
|---|---|
| Personal Loan (Up to $15,000.00) | 10.75% |
| 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: 12/03/2024
Savings
| 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% |
Holiday Savings
| Dividend Rate | APY* | |
|---|---|---|
| Minimum Deposit $100.00 | 2.00% | 2.00% |
Business Savings
| Dividend Rate | APY* | |
|---|---|---|
| Minimum Deposit $5,000.00 | 2.00% | 2.00% |
Checking
| Dividend Rate | APY* | |
|---|---|---|
| N/A | 0.00% | 0.00% |
Business 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 | 1.00% | 1.00% |
| $5,000.00 to $29,999.99 | 1.15% | 1.15% |
| $30,000.00 plus | 1.25% | 1.25% |
Certificate Rates
Effective as of: December 3rd, 2024
| $1,000.00 – $9,999.00 | ||
|---|---|---|
| 6 Months | 0.05% | |
| 13 Months | 3.00% | |
| 18 Months | 3.25% | |
| 25 Months | 3.50% | |
| 36 Months | 0.35% | |
| 48 Months | 0.45% | |
| 60 Months | 0.55% |
| $10,000.00 – $49,999.99 | ||
|---|---|---|
| 6 Months | 0.10% | |
| 13 Months | 4.00% | |
| 18 Months | 4.25% | |
| 25 Months | 4.50% |
| $50,000.00 | ||
|---|---|---|
| 6 Months | 0.15% | |
| 13 Months | 4.50% | |
| 18 Months | 5.00% | |
| 25 Months | 5.10% | |
| 36 Months | 0.40% | |
| 48 Months | 0.50% | |
| 60 Months | 0.60% |
| $100,000.00 | ||
|---|---|---|
| 12 Months | 5.00% | |
| 18 Months | 5.10% |
*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
$25.00Share Account Fees
Excessive Withdrawals, Transfers & Overdrafts
/Transaction $5.00Exceeding (6) per month (Regulation D)
Share 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 $5.00In excess of (3) per month
Holiday Savings Account Fees
Premature Withdrawals
/Withdrawal $10.00Through October 31st
EFT 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
VariesSee Special Handling Form
Pin Overnight (2 Day) Fee
VariesSee Special Handling Form
Loan 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%($35.00 Maximum)
Release of Lien
$25.00Other Service Fees
Applicable to All Accounts
Account Reconciliation
/Hour $50.00$25.00 Minimum
Account Research
/Hour $50.00$25.00 Minimum
Account Statement
$5.00Account History Copy
/Page $1.00Check Cashing
of Check Amount 2%(no fee for member with services/activity)
Copy of Checks
/Copy $2.001098/1099 Copy Fee
/Copy $2.00Deposited 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 $15.00After (12) months inactivity (some exceptions may apply)
Early Account Closure
$20.00Within (90) days of opening
Escheatment Fee
Up to $50.00Release of Account Hold
/Occurrence $5.00(negative)
Money Order
/Money Order $2.00Non-Automated Phone Account Inquiry
/Request $1.00No fee for ages 65+
ECM Payment Processing Fee
/Payment $7.50(over-the-phone payment)
ECM 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 $2.004 Checks per page
Third Party Credit Union Check
/Check $2.00(Cashier’s Check)
Wire Transfer - Outgoing
/Transfer $25.00Domestic
Wire Transfer - Incoming
/Transfer $5.00Domestic
Loan Extension
$25.00Title Documentary Fee
$50.00Home Equity Application Fee
$300Added 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.
