Fees
As a non-profit financial institution, we are dedicated to providing quality financial products and services at the lowest possible cost to our members. Our fee structure is designed to cover costs associated with a particular product or service, or, in some cases, to encourage members to use accounts responsibly.
Service
Charge per Item
Home Equity Closing Costs (Loans up to $5,000)
Member pays
Home Equity Closing Costs (Loans over $5,000)
Credit Union pays
First Mortgage Closing Costs
Member pays (up to $499 on certain types, 15 years or less initial terms)
Consumer Loan Processing Fee (Unsecured Loans)
Member pays, $85.00
Consumer Loan Processing Fee (Secured Loans)
Member pays, $95.00 (Excludes real estate loans)
Title Fee
Member pays, maximum $15.00
Collection Costs
Member pays
Late Loan Payment
$30.00 or 5% of due, whichever is less
VISA Card Late Payment
$15.00 to $25.00
VISA Annual Fee
$20.00
Service
Charge per Item
ATM Withdrawal/Teller (In MUCFCU Network)
FREE to members
ATM Withdrawal/Teller (Non MUCFCU-owned; in Alliance One network)
No ATM Owner Surcharge to MUCFCU members; $2.00 Foreign ATM Transaction fee may apply.
ATM Withdrawal/Teller (Out of Network)
$2.00 Foreign ATM Transaction fee (assessed by MUCFCU),plus ATM Surcharge may be assessed by ATM Owner (surcharge amount varies by owner).
Debit Card Monthly Fee
$1.50
ATM Card Monthly Fee
$1.50
Wire Transfer (Incoming Domestic)
$10.00/transfer
Wire Transfer (Outgoing Domestic)
$20.00/transfer
Wire Transfer (Outgoing International)
$35.00
Courtesy Pay
$31.00/item
Traveler's Checks
1% of Traveler's Check amount purchased
Stop Payment
$32.00
Check Photo Copy
$3.00/check
Counter Check
First check each day: FREE; $3.00/check therafter
Money Order
First check each day: FREE; $3.00/item therafter
Cashier's Check
First check each day: FREE; $3.00/item therafter
Overdraft Transfer from Savings
$5.00/item
Account Printouts
$3.00/account
Plastic Card Replacements
$10.00/item
IRA Administration
FREE
Dormant Accounts
$5.00/mo, if balance is below $300.00 and account is dormant for 18 months or more. No charge for members 18 or younger.
Draft Open
$25.00
Early Account Closure
$25.00 (if account is closed within 60 days after opening)
Third-Party Check Cashing Fee
$5.00/check
