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Fee Schedule

Effective 08/01/2018, our fee schedule will be updated to reflect several changes approved by our Board of Directors.
 
 
 
CURRENT AS OF: 09/28/2016   
Transaction Type  Fee  
Additional Statement Copy Request
 $1.00  per page
American Express Money Orders  $2.00  per money order
Annual ACH Origination Fee
 $15.00  one time fee for monthly authorization
ATM Issue Card/Reissue Card Fee  $10.00  charged bi-annually
ACH Origination Fee Per Transaction  $5.00  per ACH
ACH Returned NSF  $30.00  per ACH
ACH Stop Payment  $30.00  per ACH
Below Par  $5.00  monthly fee
Bill Pay Proof of Payment  $10.00  per item
Business Account Fee
 $5.00  monthly fee
Business Check Deposit Fee
 $0.10  per check deposited
Carfax  $20.00  per report
Cash Advance (non-member/Non-EFCU Visa)
 $5.00  
Cashier's Check
 $4.00  per check
Close Account within 6 Months of Opening
 $25.00
 per suffix
Colorado Payback Processing Fee
 2%  of share balance or $25 whichever is less
Copy of Member Issued Cleared Check
 $2.50  each
Copy of CU Issued Check
 $10.00  each
Courtesy Pay
 $30.00  per item
Credit Union Checks
 $4.00  payable to other than member
CUSN Transactions
 $1.00  after 8 withdrawals per month
Deposited Item Returned
 $25.00  
Deposit Return from Your Account at another Financial Institution
 $25.00  
Dormant Account Fee
 $5.00  per month/after 1 year dormant
Draft Account Reconciliation/Research
 $25.00  per hour/1 hour minimum
Duplicate Title Fee
 $25.00  
Excess HELOC Advance Fee
 $10.00  after maximum quarterly draws
Excess Money Market Withdrawals
 $15.00  after 2 withdrawals per month
Expedited Plastic Fee
 $35.00  per card
Fax
 $1.00  per page
Filing Fees
 $15.00  state requirements
Gap Insurance Fee

Garnishments
 $295.00
 $50.00

 
Home Equity Application
 $50.00  
Insurance Non-Compliance Fee (Secured Loans)
 1%  of outstanding balance monthly
International Check Deposit
 $7.50  per check
Loan Extension
 $25.00  per loan
Loan Late Payments
 $25.00  after 10 day grace period
Negative Account Balance Fees
 $5.00  daily
Non Member Notary Service
 $5.00  per stamp
NSF Items
 $30.00  per item
ON-US Checks for Non-Members
 $3.00  per check
Out of Network ATM fee
 $1.00  per transaction not on a CO-OP Jeanie  Network
Outgoing Domestic Wire
 $25.00  per item
Photo Copies of Transactions
 $2.50  per item
PIN Replacement
 $10.00 VISA credit cards only
Plastic Card Replacement
 $25.00
Refinance Consumer Loan Application Fee
 $95.00  no cash out-decrease APR
Refinance HELOC Application Fee
 $225.00  no cash out-decrease APR
Re-open Account Within 6 months of Closing
 $15.00  per suffix
Return Statement Bad Address
 $5.00  per statement
Skip A Pay (Holiday)
 $25.00  per loan, per month
Stop Payment Order
 $25.00  per item
Subordination Fee
 $100.00  
Teller Checks
 $4.00  payable to other than member
Visa Gift Card
 $5.00  per card
Visa Late Fees
 $25.00  
Visa NSF
 $25.00  
Western Union
 $25.00  

Board Approved: 02-26-2015
  
 
Disclosures  /  Privacy Policy  / Newsletter / Routing Number: 302075416  / NMLS #: 1028973 
Electrical Federal Credit Union • 5080 W 60th Avenue, Arvada, CO  80003
    Phone: 303.428.5080 • Toll-Free: 1.888.428.5080
Main Email Address: memberservices@electricalfcu.org  
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