consumer fees schedule
Effective May 1, 2025 (subject to change)
One of the many benefits of joining United Federal Credit Union is taking advantage of low- or no-cost services and though all fees cannot be eliminated, we always have you in mind. We’re Members too.
Please take a look below at our most up-to-date fee schedule and contact a Member Service Advisor with any questions at (888) 982-1400.
Accounts
Membership Savings Account |
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No monthly service charge with $300 minimum daily balance or when you have other account relationships with the credit union. Holiday Club, IRA Money Market, Achiever Savings and other Membership Savings accounts are not recognized as another account relationship. $3.00/month if none of the above criteria are met. |
Platinum Plus Checking |
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No monthly service charge with $1,000 minimum daily balance, an active consumer or mortgage loan or $5,000 in combined balances of any savings, checking or money market accounts. $10.00/month if none of the above criteria are met. |
eCash |
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No monthly service charge when the Tax Reported Owner* is also the Tax Reported Owner* of an open and active Ultra Checking, Rewards Checking or Platinum Plus Checking account or an owner is under the age of 26. $5.00/month if none of the above criteria are met. |
Checking Services
| Stop Payment (any type) | $30.00 |
| Check Copies - Staff Assisted | $5.00 |
| Returned Deposit Items | $15.00 |
| Non-Sufficient Funds Items (any type) | No fee |
| Courtesy Pay Fee | $25.00 |
| Overdraft Protection - Savings or Line of Credit Transfer | No fee |
Convenience Services
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Corporate Check Charged when payable to a 3rd party |
$5.00 |
| Skip-a-Payment | $40.00/loan |
| Counter Checks (per page minimum 4 checks) | $0.75/per check |
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Account Closing (within first 90 days) Does not apply to Youth Savings accounts |
$25.00 |
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Property Tax Savings Excessive Withdrawal For withdrawals in excess of 4 per month |
$0.50 |
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Outgoing Domestic Wire Transfer |
$25.00 |
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Outgoing International Wire Transfer |
$50.00 |
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Incoming Wire Transfer (domestic and international) |
$10.00 |
| Paper Statement Fee (per Statement) | $2.50 |
Debit and Credit Card Services
| ATM Overdraft | $22.00 |
| Activity at non-United ATMs (Foreign surcharge may apply) | |
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• More than 5 per month |
$2.00 |
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• ATM Balance Inquiry |
$2.00 |
| Rush Card Order | |
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• Domestic |
$35.00 |
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• International |
at cost |
| Visa Late Payment Fee (first occurrence) | $29.00 |
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• Subsequent Occurrences Within 6 Months |
$40.00 |
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Visa Returned Payment Fee |
$35.00 |
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International Service Assessment (Debit and Credit) |
1.50% |
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Zelle Stop Payment |
$10.00 |
Other Services
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Receipt of Tax Levy/Garnishment |
$100.00 |
| Research Services (1 hour minimum) | $25.00/hr |
| ACH or Other Returned Items | No fee |
| Returned Mail | $10.00 |
| Verification of Funds | $25.00 |
| United Originated ACH Transaction | |
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• One-Time Transfer Fee |
$15.00 |
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Loan Modification Fee (non-real estate loans only) |
$50.00 |
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Escheatment Fee per account |
$75.00 |
| Account Inactivity Fee | $7.00 |
| Overnight Letter (UPS Actual Cost) | $26.00 minimum |
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Subpoena/Search Warrant Response (1 hour minimum) |
$75.00/hr |
| Returned Loan Payment Fee | $25.00 |
Bill Pay
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Expedited Payment - Electronic |
$9.95 |
| Expedited Payment - Overnight Check | $24.95 |
| Stop Payment Bill Pay | $30.00 |
| Returned Bill Pay Item | $20.00 (per attempt) |
Safe Deposit Boxes
(sizes and availability may vary by branch)
| Lock Drilling/ Lost Key | $200.00 |
| Safe Deposit Box Options | |
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• 3"x5" |
$30.00/year |
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• 4"x5" |
$35.00/year |
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• 5"x5" |
$40.00/year |
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• 3"x10" |
$45.00/year |
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• 5"x10" |
$60.00/year |
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• 10"x10" |
$90.00/year |
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• 10"x11" |
$100.00/year |
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• 24"x38" |
$360.00/year |
Insured by NCUA. Equal Opportunity Lender. Equal Housing Lender. This Fee Schedule is a part of your account agreement with United Federal Credit Union.
*Tax Select Owner is the owner of this account who will receive the tax statement when applicable standards for tax reporting are met.