Schedule of Fees and Charges...

   Effective August 1, 2010


Credit Union Service Fees
Account Reconcilement   $25/hour
Account Verification   $25.00
Appraisal for real estate   at cost
ATM Withdrawal
VFCU or Co-op Machine
  no charge
ATM Withdrawal
Non-Co-op or VFCU Machine
  $2
Beneficiary Demand Statements   $50
Cash Advance (Visa)
VFCU card at our office
  1% of advance
Cash Advance (Visa)
VFCU card, other location
  3% of advance
Foreign card   3% of advance
Cashier's Check   $5
Cashing member draft by non-member   $5
Check copies, per item   $5
Check orders   varies by style
Christmas Club early withdrawal   $10
Closed Account fee, within first 90 days   $25
Corporate Check, with 3rd party payee   $3
Credit Protection Insurance   at cost
Deposit Error Adjustment   $2
Excess Share Withdrawal (third party)   $2 per item
Forced Placed Collateral Insurance   $50
GAP Insurance   $250
Inactive Account fee (after 5 months)   $3 per month
IRA Annual Maintenance Fee   $10
Late Charge    
Consumer or Mortgage loan   5% of pmt amount
Visa   $20
Levy / Legal Processing   $50
Lost Card or PIN (one free per year)   $25
Rush Replacement   $35
Mechanical Breakdown Insurance   Call for price
Membership Fee   $5
Money Order   $2
Money Order: Non-member   $5
Notary Fee
Member, up to 2 signatures
  No Charge
Notary Fee
Non-Member
  $10
NSF from ATM / Empty Envelope   $35
NSF Item – Returned or Paid   $35
Point of Sale Transaction   No Charge
Research   $25/hour
Return Item Adjustment   $35
Returned / Dishonored Payment   $35
Returned Mail Fee   $5 per item
Special Courier Service   at cost
Statement Copies   $2 per page
Stop Payment   $35
Subordination Agreement   $50
Subpoena of Records   $25
Wire Transfer
Domestic – Incoming or Outgoing
  $25
Wire Transfer
Foreign – Incoming or Outgoing
  $50

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