Caltech Employees Federal Credit Union
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Schedule of Fees
| ATM Fees: | |
| Annual Card Fee | $10.00 |
| Card Replacement | $10.00 |
| Deposit Discrepancy | $10.00 |
| Fraudulent ATM Use | $20.00 |
| Rush Order (PIN Reissuance or Card Replacement) |
$35.00 |
| Overdraft of shares balance | $10.00 |
Electronic Transaction Fee/Reg D |
$20.00/mo |
| General Account Fees: | |
| ACH Stop Payment Fee | $15.00 |
| Insufficient Funds Fee (ACH, Share/Loan Drafts) | $20.00 |
| Bad Address | $5.00/ea. |
| Coin Machine | 3% of coin deposit |
| Escheat Fee | $2.00 |
| Levy/Garnishment | $25.00 |
| Membership | $0.25 |
Photocopies |
$5.00/ea. $20.00/ea. $30.00/hr. |
| Return Checks | $20.00 |
| Loan Draft Stop Payment Fee | $15.00 |
| Stop Payment of Credit Union Check | $15.00 |
| Statements (beyond last 3 statements) | $5.00/ea. |
| UPS/Federal Express delivery | actual charges |
| Loan Fees: | |
| Loan cancellation after disbursement | Interest due from the date of loan |
| Loan Late Charge |
Payments received more than 10 days late (after due date) will be charged a late charge of 20% of the finance charge due, but not less than $5.00 or per Loan Agreement |
| Home Equity LOC Processing Fee (waived on new money loans or refinance from outside institutions) |
$1000.00 |
| Real Estate Term Modification Fee | $500.00 |
| Insurance Fees: | |
| Credit Disability Insurance (voluntary) 30-Day Elimination Period Single Disability Monthly Premium per 100 of Insured Debt: |
$0.13 |
| Credit Life Insurance (voluntary) Monthly Premium per 100 of Insured Debt Single Life Joint Life |
$0.050 $0.080 |
| Safe Deposit Box Fees: | |
| Annual Rental | $55.00 |
| Forced Entry | $150.00 |
| Lost Key | $75.00 |
| Traveler's Cheques Fees: | |
| Cheques for 2 per $100 of cheques |
$1.50 |
| Gift Cheques | $1.50/ea. |
| VISA Gift Card: | $2.50/ea. |
| Wire Fees: | |
| Domestic U.S. | $15.00 |
| International | $35.00 |
| Wire Tracer | $35.00 |
| Wire Amendment | $35.00* |
| *additional actual costs from receiving institution may apply | |
| VISA Fees : | |
| Late Charge (If payment is more than 10 days late, after due date) |
$10.00 |
| Overlimit | $10.00 |
| Card Replacement | $10.00 |
| Pin Replacement | $10.00 |
| Card Rush | $35.00 |
| Convenience Check Stop Payment | $15.00 |
| Convenience Check Return | $20.00 |
| Pay by Phone | $5.00 |
| Copy of Sales Draft | actual charge incurred |
| Conversion Fee for Non-U.S. Dollars | actual fee incurred |
