- Applications and Forms
- ATM Locator
- Calendars
- Disclosures
- Financial Calculators
- Financial Wellness
- Home Ownership
- The Two Sides of Co-Borrowing
- Understanding How the Equity in Your Home Can Work for You
- 5 Financial Goals You Can Achieve with a HELOC
- What is Your Home Really Worth?
- Is Downsizing Right for You?
- When It's Time to Tap Your Home Equity
- What is the Smartest Home Loan for You?
- Helpful Hints on Hiring a Contractor
- Money Management
- Smart Ways to Deposit Money
- Why You Should Or Shouldn't Buy Now, Pay Later
- Is Your Account at Risk? Simple Steps to Avoid Escheatment
- What to Do If Your Property Is Escheated
- Transferring Wealth
- 3 Keys to Start Car Shopping
- Why Credit Card APRs Matter
- Financial Preparedness in Emergencies
- The Time is Now to Introduce Your Beneficiaries to CEFCU
- Introduce Your Beneficiaries to CEFCU
- Talking Finances with Your Teens
- What's Involved When You're a Trustee or Executor to an Estate?
- How Your Accounts are Federally Insured
- How to Have A Meaningful Conversation about Joint Finances
- Prepare Your Financial Go-Bag
- Scam Awareness & Cyber Security
- Protect Yourself from Criminals Exploiting Artificial Intelligence to Deceive Victims
- Protect Yourself and Your Accounts from Credential Stuffing
- Multi-Factor Authentication & 5 Ways to Stay Cyber Safe
- Warning Signs of Scams & Identity Theft Schemes
- Tips on Avoiding Physical & Digital Theft
- Prevention is Key to Cybersecurity
- Trending Scams: Stay Alert and Aware
- Beware of COVID-19 Vaccine Scams
- Beware of Gift Card Payments, Pop-Ups and Links
- Protect Yourself and Your Finances
- IRS Warns on Coronavirus-Related Scams
- Phone Scams
- 10 Things You Can Do to Avoid Fraud
- Alarming Increase of Scam Calls
- IRS Tax Scams Continue Year-Round
- Safeguard Your Identity
- Home Ownership
- Focus Newsletter
- Holidays
- Privacy Notice
- Schedule of Fees
- Security Information
- Tax Statements
- Update Your Contact Information
- Wiring Instructions
Schedule of Fees
| ATM Fees | |
|---|---|
| Annual Card Fee | $10.00 |
| Card Replacement/PIN Reminder | $10.00/each |
| Rush Order (Card Replacement/PIN Reminder) | $35.00/each |
| eBranch and Mobile app Fees | |
|---|---|
| eStatements | FREE |
| External Account Transfers | FREE |
| Mobile Check Deposit | FREE |
| General Account Fees | |
|---|---|
| ACH Stop Payment Fee | $15.00 |
| Bad Address | $5.00/month |
| Coin Machine | FREE |
| Escheat Fee | $2.00 |
| Levy/Garnishment | $25.00 |
| Membership | $5.00 |
| Photocopies: Credit Union Checks Daily Work Vouchers |
$5.00/each $20.00/each |
| Rejected Items (Checks, ACH, Loan Drafts, Loan Payments) | $25.00 |
| Research (when not due to Credit Union error) IRS, FTB, legal questions, etc. |
$30.00/hour |
| Stop Payment of Credit Union Check | $15.00 |
| Stop Payment of Loan Draft | $15.00 |
| Statements (beyond last 3 statements) | $5.00/each |
| UPS/FedEx Delivery | actual charges |
| Loan Fees | |
|---|---|
| Loan cancellation after disbursement | Interest due from the date of loan |
| Loan Late Charge | Payments received more than 10 days late (after due date) will be charged a late charge of 20% of the finance charge due, but not less than $5.00 or per Loan Agreement |
| Home Equity LOC Processing Fee (waived on new money loans or refinance from outside institutions) |
$1,000.00 |
| Real Estate Term Modification Fee | $500.00 |
| Subordination Fee | $100.00 |
| Guaranteed Asset Protection (GAP) (prices may vary by type of vehicle) |
$349.00 |
| Mastercard® Gift & Travel Card Fees | |
|---|---|
| Mastercard® Gift Card | $2.50 each |
| Mastercard® Travel Card | $6.00 each |
| Safe Deposit Box Fees | |
|---|---|
| Annual Rental | $100.00 |
| Forced Entry | $200.00 |
| Lost Key | $100.00 |
| Wire Fees | |
|---|---|
| Incoming Wire Fee | $10.00 |
| Domestic Outgoing Wire Fee | $20.00 |
| International Outgoing Wire Fee (US Dollar Denomination) | $45.00 |
| International Outgoing Wire Fee (Currency of Beneficiary Bank) | $35.00 |
| Wire Tracer | $35.00 |
| Wire Amendment | $35.00 |
| Platinum Mastercard® Credit Card Fees | |
|---|---|
| Annual Fee | NONE |
| Transaction Fees | |
| Balance Transfer | NONE |
| Cash Advance (including Convenience Checks) | NONE |
| Foreign Transaction | NONE |
| Penalty Fees | |
| Over-the-Credit Limit | NONE |
| Late Payment | $10.00 if payment is received more than 10 days after its due date. |
| Returned Payment | $20.00 |
| Convenience Check Nonsufficient Funds (NSF) | $20.00 |
| Other Fees | |
| Card Replacement | $10.00 |
| Card Replacement Rush | $35.00 |
| Convenience Check Stop Payment | $15.00 |
| Document Copy Fee | $10.00 |
| Emergency Card Replacement | $35.00 |
| Pay-by-Phone | $5.00 |
| PIN Mailer Request | $10.00 |
| Statement Copy Fee |
$5.00 (First three statement copies are free) |
All loans subject to credit approval. Rates subject to change without notice.
CEFCU is an Equal Housing Lender. NMLS #626590
