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Service Fees

As a member-owned, non-profit financial institution, we are dedicated to providing members with a complete choice of low-cost financial services.

This Fee Schedule is designed to recover our cost of providing these services directly from those members who incur the cost rather than those cost being subsidized from loan interest or dividend earnings. It is our goal to provide you with the highest quality services at the lowest possible cost.

All fees are per transaction or per item unless otherwise denoted. Many fees may be avoided through participation in Express, Premiere50 or Advantage Circle Plus accounts.

The information listed below is accurate as of August 1, 2008. Fees are subject to change without notice.


Share Savings Account Fees
Account Closure (within 6 months) $5.00
Account Conversion $25.00
Account Maintenance (per month) $2.00*
Dormant Account (inactive 3 years) $25.00
Excess Share Withdrawals (over 3 per month) $5.00**
Excess Vacation Club Withdrawals/Transfers (over 3 per month) $5.00
IRA Early Withdrawal (if less than age 59 ½) $25.00
IRA Maintenance (per year if balance is under $250) $25.00

Overdrawn Account (per transaction)

$30.00



Checking Account Fees
Automatic Overdraft Transfer from Savings (limit 3 per month) $2.00
Certified Check $10.00
Check Printing Charge based on selected style

Microfilm Copy of Check

$5.00
Online Bill Payment:


  • Premiere50 Members
Free
  • Express, Concorde - Unlimited Bill Payments
$3.25
  • Checking Account Members - Unlimited Bill Payments
$6.50
  • Bill Payment Stop Payment Fee
$30.00
  • Bill Payment Return (NSF)
$30.00
Non Sufficient Funds (NSF - Paid per item) $30.00
Non Sufficient Funds (NSF - Unpaid per item) $30.00
Stop Payment (per check or series) $30.00
Temporary Checks (set of 12, other than starter set) $4.00



ATM Check Card Fees

Transaction Fees - Foreign ATM***

$1.00
ATM/POS Overdraft (per transaction) $30.00
Replacement Cards $10.00
Replacement PIN (Personal Identification Number) $5.00



Credit Card Fees
Annual Fee


Classic Secured Card and Non-Grace Card

NONE

Grace Card (Fee waived if participating in Express, Concorde, Premiere50, or Advantage Circle Plus accounts.)

$10.00

Gold Card (Fee waived if participating in Express, Concorde, Premiere50 or Advantage Circle Plus accounts.)

$20.00

Platinum and Platinum Secured

NONE

Platinum with Rewards (Fee waived if participating in Express, Concorde, Premiere50, or Advantage Circle Plus accounts.)

$25.00
Overlimit Fee (per cycle) $10.00
Returned Check $30.00
Sales or Credit Draft Retrieval Original $20.00
Statement Copy from TFCU $5.00
Statement Copy from PSCU $10.00

 

Miscellaneous Fees
Account Reconciliation or Research (per hour,1/2 hr. min.) $25.00
ACH Returns (NSF - Paid) $30.00
ACH Returns (NSF - Un-Paid) $30.00
Advantage Circle Plus (monthly, only if less than $150 combined share balances) $3.00
All Balance Printout $5.00
Carfax® Report $17.00
Collection Items $15.00
Concorde Account (monthly, only if less than
$10,000 combined share and/or loan balances)
$10.00
Deposit Item Returns (third party) $10.00
Deposit Item Returns (NSF) $30.00
Deposit Verification (third party) $10.00
Electronic Tax Filing market price
Express Account (monthly, only if less than $1,000
combined share balances)
$7.00
Money Orders $1.50
Official Checks (third party) $5.00
Official Check Copies $7.00

Official Check Stop Payments

$30.00
Premiere50 (monthly, only if less than $20,000 in
combined share and/or loan balances or less than $15,000 in combined balances with Direct Deposit)
$15.00
Real Estate Loan Modification Fee $250.00
Telephone Transfers/Withdrawals (excluding DOTTIE) $5.00
Travelers Cheques (per $100 purchased) $1.00
Travelers Cheques for Two (per $100 purchased) $1.50
Western Union Wire Transfer (Domestic) $20.00
Western Union Wire Transfer (International) $20.00 + 2% of the amount sent
Wire Transfer (outgoing) $20.00
Writ of Attachment/Levy $40.00



*A $2 fee will be charged each month, beginning at the end of the second year after opening the account. This fee will be waived if, by that time, you have maintained a minimum combined daily balance of $250 throughout the month in combined share and checking balances, or if you have a loan or active VISA. The account maintenance fee is also waived if you are under 22 years of age or participate in the Concorde, Express or Premiere50 account package.

**Includes each Share Savings withdrawal in excess of three per month; applies to over-the-counter, DOTTIE, myculink, and mail withdrawals only; does not affect ATM withdrawals or transfers from savings to checking, or loans. Members who maintain a minimum $2,000 Share Savings balance are exempt.

***A fee may be imposed by the owner of the ATM



Last revised 8/08



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