Rates & Fees
Savings Rates
| Account | Minimum Balance | APY** |
|---|---|---|
| Regular Savings | $1,000.00 | |
| Special Savings | $1,000.00 | |
| Youth Savings | $0.00 | |
| Christmas Club |
$0.00 $2,500.00 |
|
| IRA |
$500.00 - $49,999.99 $49,999.99 or more |
| Account | Minimum Balance | APY** |
|---|---|---|
| 6 Months | $1,000.00 | |
| 12 Months | $1,000.00 | |
| 24 Months | $1,000.00 | |
| 36 Months | $1,000.00 | |
| 48 Months | $1,000.00 | |
| 60 Months | $1,000.00 |
| Tier | APY** |
|---|---|
| $2,500 - $9,999.99 | |
| $10,000 - $34,999.99 | |
| $35,000 - $74,999.99 | |
| $75,000 - $149,999.99 | The rate for this tier will be prime minus 4% with a floor rate equal to the tier step down rate. |
| 150,000+ | The rate for this tier will be prime minus 4% with a floor rate equal to the tier step down rate. |
Checking Rates
| Account | Minimum Balance | APY** |
|---|---|---|
| Consumer Checking | $0 | |
| $mart Checking | $0 | |
| Youth Checking | $0 |
Loan Rates
| Type | APR* as low as1 | Terms up to1 |
|---|---|---|
| New Auto | Terms up to 96 months | |
| Used Auto (2-9 years old) | Terms up to 96 months | |
| Older Auto (10-24 years old) | Terms up to 60 months | |
| Classic Auto (25 years and older) | Terms up to 36 months |
| Type | APR* as low as1 | Terms up to1 |
|---|---|---|
| New Boats, RVs, Campers, and Travel Trailers | Terms up to 144 months | |
| Used Boats, RVs, Campers, and Travel Trailers | Terms up to 144 months | |
| New Motorcycles | Terms up to 72 months | |
| Used Motorcycles | Terms up to 72 months | |
| Older Motorcycles 6+ Years | Terms up to 60 months | |
| New ATV/Off Road Comparables | Terms up to 60 months | |
| Used ATV/Off Road Comparables | Terms up to 60 months | |
| New Farm Equipment and Lawn Mowers | Terms up to 60 months | |
| Used Farm Equipment and Lawn Mowers | Terms up to 60 months |
| Type | APR as low as |
|---|---|
| Signature Loans1 | |
| Credit Cards2 | Rates as low as |
| Loan Type | Maximum Loan Amount | Term | APR as low as |
|---|---|---|---|
| Shared Secured | 100% of available shares | Up to 60 months | 3.99% |
| Certificate Secured | 100% of original balance | Up to 60 months | 3.99% |
Our Service Charges
Accounts / Transactions
Business Checking ......................................................... $5.00
Cash Advance Fee ........................................................ $10.00
Charged off Account Reopen ................... $50.00 per member
Certificate of Deposit surrender ........... $35.00 plus dividends
6 - 24 Month Terms ................................ 90 Days’ dividends
25 - 60 Month Terms ............................ 180 Days’ dividends
Christmas Club early withdrawal/xfer........... $15.00 per trans
Coin Machine .......... $150 counted per month-Free (members)
…10% of ticket value (non-members & members after $150)
Early Account Closure (within first 12 months) ............... $5.00
Escheatment ............................................ $150.00 per account
HYMMA Below Balance Fee ......................................... $10.00
HYMMA Excessive Withdrawal Fee…….$2.00 per withdrawal
(Six Withdrawals allowed during calendar month)
Inactive Account ............................................................ $10.00
(following 12 consecutive months with no activity)
Invalid Address ............................................. $10.00 per month
International Transaction Fee ........ 1% of transaction amount
This fee applies to any debit card transaction made at a location in a
foreign country, or payable to a merchant located in a foreign country
even if you initiate the transaction from within the United States.
IRA Annual Maintenance Fee ....................................... $10.00
IRA Closure/Transfer..................................................... $10.00
IRA Early Withdrawal (Within first 6 months) ............... $100.00
IRA Early Withdrawal (if no RMD required) ................... $25.00
Mailed Statement ............................................................. Varies
This fee applies to members age 16-65 only.
Overdraft/Honor .................................................... $30.00 each
Return Deposit ...................................................... $30.00 each
Returned Item for Insufficient Funds (NSF)* ............... $30.00
Research/Reconciliation ...... $100.00/hour – ½ hour minimum
Share Overdraft Transfer Fee ......................................... $3.00
Share Draft # Change …………………………………….. $50.00
$mart Checking Non-Qualify Fee ................................... $3.00
Statement Copy Fee (in branch) ............................. $2.00 each
Statement Copy Fee (re-mailed) ............................. $3.00 each
Telephone Assisted Transactions .................... $2.00 per call
Wire Transfers – Outgoing .................................. $25.00 each
Miscellaneous
Collection Items .............................................................. Varies
Garnishment/Levies ........................................... $100.00 each
Online Bill Payment .............. Free with e-statement enrollment
........................... $4.00 without enrollment
Outgoing Fax Requests ......................................... $2.00 each
Out-of- Network ATM................... $1.00 per transaction/inquiry
Plastic Replacement (Debit/CC) ................................. $10.00)
(One Replacement Free Annually)
USPS Stamps ........................................ USPS First Class Cost
Click Here to download the full PDF of our Rates & Fees
Stop Payments
ACH Stop Payment ............................... $30.00 per transaction
Official Check Stop Payment .......................... $30.00 per item
Check/Draft Stop Payment ............................. $30.00 per item
Revoke Stop Payment ..................................... $30.00 per item
Check Items
Official Check ......................................................... $5.00 each
Check Copy ............................................................. $1.00 each
Check Cashing Fee………………………………………….$5.00
(For Member’s not in good standing)
“On Us” Check Cashing (non-members) .................... Varies
Official Checks/Money Orders (issued by FFCU) ......... Free
$0 - $99 .................................................................…........ Free
$100 - $999 ...............................................……................ $20.00
Check/Draft By Phone .......................................... $10.00 each
Money Order ($1000.00 limit) ................................. $1.00 each
Personal Checks Orders – MainStreet...…..... Varies by Design
Starter Checks ......................................................... $4.00 for 4
Loans
Boat Registration (varies by state) ................... < 26’ - $30.00
…................................................ > 26’ - $50.00
Business Loan Origination……………………..………..1% of Loan Bal
Business Loan Underwriting Fee (Loans<$100,000.00)…..…$150.00
Business Loan Underwriting Fee (Loans>$100,000.01)……..$250.00
CarFax ..........................................................................…. $35.00
Internal Refinance .......................................................…. $50.00
Loan Application Fee ..................................................…. $15.00
Loan Documentation Fee (unsecured).......................... $25.00
Loan Documentation Fee (secured: auto, RV, boat) ... $100.00
Loan Documentation Fee (Business Non-Real Estate)…$150.00
Loan Documentation Fee (Business Real Estate)……….$250.00
Loan Payment Convenience Fee .................................. Varies
Branch Assisted/Via Phone w/ Card......................... $10.00
Via Phone w/ Check. ................................................ $10.00
Online. ......................................................................... Free
Loan Late Payment .................................... 4 % w/ $25.00 min
(4% of Loan Payment or $25 minimum charged on 10th day
following due date)
Loan Payment Reversal ................................................ $35.00
Mortgage Credit Bureau Report ........................ $40.00 Single
............................ $62.00 Joint
Mortgage Certificate of Satisfaction……………………$27.00
Mortgage Deed of Trust, Partial Release…………..……$77.00
Mortgage Lien Release ................................................. $35.00
MS Title (Auto, Boat, Motor) ................................ $15.00 each
Skip-A-Pay/Due Date Change .................. $30.00 per payment
UCC Registration ........................................................... $15.00
UCC Release .................................................................. $15.00
Safe Deposit Boxes**
Rental Fee - Small ........................................... $15.00 annually
Rental Fee - Medium........................................ $20.00 annually
Rental Fee – Large .......................................... $30.00 annually
Rental Fee – Extra Large ................................. $40.00 annually
Rental Payment Late .................................... $10.00 per month
Drill Fee .......................................................... $350.00 per lock
Key Replacement ........................................... $150.00 per key
** We are no longer offering new rentals
*An NSF service charge is assessed each time an item is pre-sented against insufficient funds. The payee (or the payee’s institution) may re-present a previously returned item. Each pre-sentment against insufficient funds will result in a separate ser-vice charge.