Rates
Loan Rates Savings Rates Certificate Rates Fee Schedule
Effective as of: October 2017
| Fee Schedule | |
| Regular Savings Account Fees | |
| Monthly Service Charge | FREE |
| Account Closed within 90 Days of Opening | $20.00 |
| Inactivity Fee on Accounts that maintain a balance of less than $5.00 for 6 months or more | $5.00 |
| Excess Share Withdrawl Fee | $2.00 per transaction (after alloted 3 per month) |
| Membership Fee | $5.00 |
| Checking Account Fees | |
| Monthly Service Charge | FREE |
| Check Writing | FREE, Unlimited |
| Overdraft Privilege | FREE |
| Overdraft Protection Transfer From Savings | $2.00 / Per Transaction |
| NSF Fee | $32.50 / Each |
| ACH NSF Fee | $32.50 / Each |
| Stop Payment Fee: | |
| Per Item | $25.00 |
| Range of Checks | $25.00 |
| ACH | $25.00 / each |
| Official Checks | $25.00 |
| Deposited Item Returned Uncollected | $25.00 / each |
| Collection | $10.00 / Check |
| Check: Printing | Prices may vary depending on style |
| Imaged Copies | $2.00 per item Free on Home Banking |
| Temporary Checks | $1.00 / Page |
| Teller Check Fee | $5.00 |
| Account Reconciliation Fee | $20.00 per hour $20.00 minimum |
| Money Market Account fees | |
| Monthly Service Charge | FREE |
| Withdrawal | $10.00 after three (3) withdrawl per month |
| ATM SERVICE FEES | |
| LJAFCU ATM's | FREE |
| Non LJAFCU Card Used | $3.50 |
| Non Credit Union ATM | $2.00 |
| ATM Film Research | $100.00 |
| Stripes ATM | $1.50 |
| DEBIT CARD PROGRAM FEES | |
| Debit Card Set-up | FREE |
| Debit Card Monthly Maintenance | FREE |
| ATM Card Replacement | $10.00 |
| Additional Debit Cards Ordered | $10.00 / Each |
| Re-Pin ATM/Debit Card | $2.00 |
| Debit Card Transaction or Inquirey | |
| LJAFCU ATM'S | FREE |
| Non LJAFCU Card Used | $3.50 |
| Non Credit Union ATM | $2.00 |
| Point of Sale Transaction | FREE / ITEM |
| Other Service Fees (applicable to all accounts) | |
| Audio Response Fee | FREE (1-800-427-4625) |
| Home Banking Service | FREE www.lajoyacreditunion.coop |
| Account Research Fee | $20.00 / Hour. $20.00 minimum |
| Statement Copy | $2.00 / Page, FREE for Diamond Account |
| Photocopy | $2.00 / Page |
| Account Printout | $2.00 / Page |
| Legal Process | $25.00 |
| Fax | $5.00 / Page |
| Money Order Fee | $1.80 each |
| 3rd Party Check Cashing Fee | $5.00 or 1.00% whichever is greater |
| Items Sent For Collection Fee | $20.00 / Item |
| Deposited Item Return (Third Party) Fee | $10.00 / Ptem |
| Check Cashing Requiring Phone Approval | $10.00 |
| Memeber Check Returned NSF | $25.00 |
| Third Party Deposit Check Returned NSF | $10.00 |
| Member or Third Party Return | $5.00 |
| Phone Transfer | $2.00 / Per Transfer |
| Phone Inquiry | $1.00 / Inquiry |
| Returned Mail | $3.00 / Statement |
| Dormant Account | $5.00 after 24 months |
| E-Statements | Free |
| E-Checking Service Fee | $5.00 (Share mimimum of $25.00) |
| Skip-A-Pay | $35.00 / Per loan |
| Wire Service Fees | |
| Incoming | |
| Wire Transfer: | |
| Incoming | FREE |
| Outgoing | $20.00 / Domestic Transfer |
| Internationak | $45.00 |
| Western Union | $15.00 Domestic |
| Western Union International | $45.00 |
| Loan Service Fees | |
| Lost Coupon Book Reorder Fee | $5.00 |
| Loan Application Fee | FREE |
| No Hassle Application Fee | $25.00 |
| Pay Advance Fee | $20.00 |
| Late Payment | 10.00% of the payment due after 7 days past due, $30.00 maximum |
| Verification of Deposit | $15.00 |
| Automobile Value Printout | $2.00 |
| Mastercard Service Fees | |
| Annual Maintenance | FREE |
| Late Payment | $20.00 |
| Over-the Limit | $20.00 |
| Returned Check | $20.00 |
| Cash Advance | $10.00 FREE when using Credit Union Mastercard |
| IRA Service Fees | |
| Annual Maintenance Fee | $5.00 |
| IRA Transfers | $25.00 |
| IRA Closing | $5.00 |
| The fees Appearing in this Schedule are accurate and effective for accounts as of the Last Dividens Declaration Date indicated on this Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union. | |