Schedule of Fees and Charges...

   Effective August 1, 2009


Credit Union Service Fees
Account Reconcilement   $25/hour
Appraisal for real estate   at cost
ATM Withdrawal    
VFCU or Co-op Machine   no charge
Non-Co-op or VFCU Machine   $2
Beneficiary Demand Statements   $50
Cash Advance (Visa)    
VFCU card at our office   1% of advance
VFCU card, other location   3% of advance
Foreign card   3% of advance
Cashier's Check   $5
Check copies, per item   $5
Check orders   varies by style
Closed Account fee, within first 90 days   $10
Corporate Check, with 3rd party payee   $2
Credit Protection Insurance   at cost
Deposit Error Adjustment   $2
Excess Share Withdrawal (third party)   $2 per item
Forced Placed Collateral Insurance   $50
GAP Insurance   $250
Inactive Account fee (after 5 months)   $3 per month
IRA Annual Maintenance Fee   $10
Late Charge    
Consumer or Mortgage loan   5% of pmt amount
Visa   $20
Levy / Legal Processing   $25
Lost Card or PIN (one free per year)   $25
Rush Replacement   $35
Mechanical Breakdown Insurance   Call for price
Membership Fee   $5
Money Order   $1
Notary Fee    
Member, up to 2 signatures   No charge
Non-member   $10
NSF from ATM / Empty Envelope   $30

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