Our Member Advantages Benefit Packages are designed to reward those members that contribute to the cooperative spirit by providing additional rewards or benefits. The more a member participates with the credit union, the more they can benefit from low cost services.
Associate Membership Just keep a monthly balance of $25 in savings or a
loan balance to receive a limited amount of FREE transactions each month.
Investor Membership Rewards you for bringing more of your financial business
home to your credit union. Maintain a $1,500 combined savings balance OR maintain
a $15,000 loan balance and receive limited free ATM uses and more.
Partner Membership Enjoy the most rewards with a minimum deposit balance
of $10,000 or $25,000 loan balance. You'll receive no monthly fee on checking,
free ATM use, a .10% bonus on share certificates, a
.25% discount on auto loan rates, and most fees are waived.
| Member
Advantages Reward Schedule |
ASSOCIATE |
INVESTOR |
PARTNER |
| Deposit
Balance Relationship |
$25-$1,499.99 |
$1,500-$9,999.99 |
$10,000
OR Greater |
| |
OR |
OR |
OR |
| Loan
Balance Relationship |
$1-$14,999.99 |
$15,000-$24,999.99 |
$25,000
OR Greater |
| Monthly
Relationship Fee-Deducted From Primary Savings Account |
$2.50
fee per month waived with a loan or aggregate deposit balances greater than $250.
Also waived on all youth and student accounts. |
No
Charge |
No
Charge |
| |
| FREE SERVICES |
| On-line Bill Payment |
Free |
Free |
Free |
| ATM/POS Transactions, MCFCU ATM’s
& POS’s |
Free |
Free |
Free |
| Max (Audio Response Access) |
Free |
Free |
Free |
| MCFCU @ Home (On-line Banking
Access) |
Free |
Free |
Free |
| Debit Card Service |
Free |
Free |
Free |
| Notary Service |
Free |
Free |
Free |
| Incoming Wire Transfers |
Free |
Free |
Free |
| Advantage Checking Overdraft
Transfer |
Free |
Free |
Free |
| No-Fee Checking Maintenance |
Free |
Free |
Free |
| Classic/Gold/Platinum VISA |
Free |
Free |
Free |
| |
| ELECTRONIC
SERVICES |
| Transactions
On Non-MCFCU ATM's and POS's |
$.75
ATM per transaction on local Networks and $1.50 ATM per transaction on National
Networks.* |
4
Free Transaction per month (includes transfers, withdrawals and inquiries.) $.75
ATM per transaction thereafter on local Networks. $1.50 ATM per transaction on
National Networks. |
Unlimited
No Charge |
| Account/Debit
Card/Credit Card Research/Balancing Fee |
$15.00
per hour (min. 1 hour) |
$10.00
per hour (min. 1 hour) |
No
Charge |
| Phone
Transfer Fee (Free On Max & MCFCU@Home) |
$2.00 |
$1.00 |
No
Charge |
| Online
Bill Payment Inquiry Fee |
$25.00 |
$25.00 |
$25.00 |
| Online
Bill Payment Reversal Fee |
$25.00 |
$25.00 |
$25.00 |
| Online
Bill Payment Check Copy Fee |
$25.00 |
$25.00 |
$25.00 |
| Card
Replacement Fee (ATM/Debit/Credit) |
$5.00 |
$5.00 |
$5.00 |
| Wire
Transfer Out Fee (Domestic) |
$10.00 |
$10.00 |
$10.00 |
| Wire
Transfer Out Fee (International) |
$45.00 |
$45.00 |
$45.00 |
| |
| LOANS |
| Loan
Processing Fee |
$50.00 |
$25.00 |
No
Charge |
| Loans
(Excluding VISA And All Real Estate Loans) |
Market
Rate |
Market
Rate |
.25%
Discount |
| Single
Interest Insurance |
$30.00 |
$30.00 |
$30.00 |
| Legal
Proceedings Fee |
$5.00 |
$5.00 |
$5.00 |
| Classic/Gold/Platinum Returned
Check Fee |
$25.00 |
$25.00 |
$25.00 |
| Classic/Gold/Platinum
VISA Late Charge |
$25.00 |
$25.00 |
$25.00 |
| Classic/Gold/Platinum
VISA Over Limit Fee |
$25.00 |
$25.00 |
$25.00 |
| |
| SAVINGS |
| Christmas
Club Withdrawal |
$10.00
per withdrawal prior to October 21st |
$5.00
per withdrawal prior to October 21st |
No
Charge |
| Vacation
Club Withdrawal |
$10.00
per withdrawal after two per year |
$5.00
per withdrawal after two per year |
No
Charge |
| Close
Accnt / Reopen Fee-Per Closed Accnt; w/in 90 Days Of Opening |
$10.00 |
$10.00 |
No
Charge |
| Certificates |
Market
Rate |
Market
Rate |
.10
Bonus Rate |
| |
| CHECKING |
| Check
Copy Fee |
$2.00 |
$1.00 |
No
Charge |
| Additional
Starter Checks |
$2.00 |
$1.00 |
No
Charge |
| Advantage
Checking Maintenance Fee |
$6.00
(Fee waived with $1000 avg. monthly balance.) |
$3.00
(Fee waived with $1000 avg. monthly balance.) |
No
Charge |
| Advantage Checking Overdraft Transfer (Limit 6 Per Month) |
$2.00
per overdraft |
$2.00
per overdraft |
$2.00
per overdraft |
| No-Fee
Checking Overdraft Transfer (Limit 6 Per Month) |
$2.00
per overdraft |
$2.00
per overdraft |
$2.00
per overdraft |
| Courtesy
Pay Fee |
$28.00 |
$28.00 |
$28.00 |
| Checking/ACH/ATM
NSF Fee |
$28.00 |
$28.00 |
$28.00 |
| Checking/ACH
Stop Payment Fee |
$28.00 |
$28.00 |
$28.00 |
| Return
Deposited Item Fee |
$28.00 |
$28.00 |
$28.00 |
| |
| MISCELLANEOUS
SERVICES |
| Money
Order Replacement Or Photocopy |
$8.00 |
$8.00 |
$8.00 |
| Cashier's
Check Fee |
$2.00 |
$2.00 |
$2.00 |
| Money
Order Fee |
$1.00 |
$1.00 |
No
Charge |
| Statement
Copy Fee |
$.75
per page ($2.00 minimum) |
No
Charge |
No
Charge |
| Account
Printout |
$2.00 |
No
Charge |
No
Charge |
| Fax
Service Fee |
$2.00
First 3 pages ($.50 each add’l) |
$2.00
Unlimited |
No
Charge |
| Lamination
Fee |
$1.00
small item $5.00 up to full sheet |
No
Charge |
No
Charge |
| Garnishment
Fee |
$10.00 |
$10.00 |
$10.00 |
| Inactive
Account Fee (After 12 Months Of Inactivity) |
$2.00
Per Month |
$2.00
Per Month |
$2.00
Per Month |
| Incorrect
Address Fee |
$5.00 |
$5.00 |
$5.00 |
| VISA Gift Cards |
$3.50 |
$3.50 |
$3.50 |
| AAA |
Discounted |
Discounted |
Discounted |
| Amusement Park Tickets |
Discounted |
Discounted |
Discounted |
