consumer fees schedule
Effective July 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.
Download Consumer Fee Schedule (updated 7/1/2025, PDF)
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 if an owner is under the age of 26. • $5.00/month if none of the above criteria are met. |
Checking Services
| Courtesy Pay Fee | $25.00 |
| Non-Sufficient Funds Items (any type) | No Fee |
| Overdraft Protection – Savings or Line of Credit Transfer | No Fee |
| Returned Deposit Items | $15.00 |
Debit and Credit Card Services
| International Service Assessment (Debit and Credit) | 1.5% |
| Visa Late Payment Fee (first occurrence) | $29.00 |
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• Subsequent occurrences within 6 months |
$40.00 |
| Visa Returned Payment Fee | $35.00 |
| Activity at Non-United ATMs (Foreign surcharge may apply) | |
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• ATM Balance Inquiry |
$2.00 |
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• More than 5 per month |
$2.00 |
| Rush Card Order | |
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• Domestic |
$35.00 |
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• International |
at cost |
Bill Pay
| Expedited Payment – Electronic | $9.95 |
| Expedited Payment – Overnight Check | $24.95 |
| Insufficient Balance Processing Fee | $20.00 (per attempt) |
Convenience Services
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Account Closing (within first 90 days) Does not apply to Youth Savings accounts |
$25.00 |
| Check or Statement Copies – Staff Assisted | $5.00 |
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Corporate Check Charged when payable to 3rd party |
$5.00 |
| Counter Checks (4 checks per page) | $3.00 per page |
| Incoming Wire Transfer (domestic and international) | $10.00 |
| Outgoing Domestic Wire Transfer | $25.00 |
| Outgoing International Wire Transfer | $50.00 |
| Paper Statement Fee (per Statement) | $2.50 |
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Property Tax Savings Excessive Withdrawal For withdrawals in excess of 4 per month |
$0.50 |
| Skip-a-Payment | $40.00 per loan |
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 |
Other Services
| Account Inactivity Fee | $7.00 |
| ACH or other returned items | No Fee |
| Escheatment Fee (per account) | $75.00 |
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Loan Modification Fee (non-real estate loans only) |
$50.00 |
| Overnight Letter (UPS Actual Cost) | $26.00 min |
| Receipt of Tax Levy/Garnishment | $100.00 |
| Returned Loan Payment Fee | $25.00 |
| Returned Mail | $10.00 |
| Research Services (1 hour minimum) | $25.00/hour |
| Stop Payment (any type) | up to $30.00 |
| Subpoena/Search Warrant Response (1 hour minimum) | $75.00/hour |
| United Originated ACH Transactions | |
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• One-time transfer fee |
$15.00 |
| Verification of Funds | $25.00 |
This Fee Schedule is a part of your account agreement with United Federal Credit Union.
*Tax Reported Owner is the owner of this account who will receive the tax statement when applicable standards for tax reporting are met.