Rates & Fees

Fees and Rates effective August 1, 2018

Deposit Rates

Deposit Rates
Deposit Types Minimum Balance Dividend Rate APY* Balance Required to Earn Dividend Rate
Regular Savings $5.00 0.10% 0.10% $200.00 – $9,999.99 (1)
$5.00 0.20% 0.20% $10,000.00 and up (1)
Youth Savings $5.00 0.10% 0.10% $100.00 – $9,999.99 (1)
$5.00 0.20% 0.20% $10,000.00 and up (1)
Club Savings $5.00 0.10% 0.10% $200.00 – $9,999.99 (1)
$5.00 0.20% 0.20% $10,000.00 and up (1)
Money Market $5.00 0.15% 0.15% $2,000.00 – $9,999.99 (2)
$5.00 0.25% 0.25% $10,000.00 – $49,999.99 (2)
$5.00 0.30% 0.30% $50,000.00 and up (2)
Everyday Checking $5.00 0.00% 0.00%
Student Checking $5.00 0.00% 0.00%
IRA Savings Traditional/Roth $5.00 0.15% 0.15% $0.00 – $9,999.99 (1)
$5.00 0.30% 0.30% $10,000.00 – $49,999.99 (1)
$5.00 0.45% 0.45% $50,000.00 and up (1)
Health Savings $5.00 0.15% 0.15% $0.00 – $9,999.99 (1)
$5.00 0.30% 0.30% $10,000.00 – $49,999.99 (1)
$5.00 0.45% 0.45% $50,000.00 and up (1)

 

APY=Annual Percentage Yield

(1) Dividend rate and Annual Percentage Yield may change at any time. Dividends are compounded every quarter and credited to the account quarterly. If
the account is closed before dividends are paid, you will not receive the accrued dividends.

(2) Dividend rate and Annual Percentage Yield may change at any time. Interest is compounded daily and paid monthly. Members must maintain a balance of $2,000.00 in their account to earn the disclosed annual percentage yield.

 

CD Rates

CD Rates
Regular Share or IRA Certificates Minimum Balance Dividend Rate APY* Balance Required to Earn Dividends
6 Month Certificate $1,000.00 0.95% 0.95% $1,00.00 (3)
12 Month Certificate $500.00 1.25% 1.25% $500.00 (3)
24 Month Certificate $1,000.00 1.64% 1.65% $1,000.00 (3)

Loan Rates

Loan Rates
Type of Loan Maximum Term Available Rate as low as APR* Restrictions
2015 – 2018 Automobiles 84 months 3.50% Loan amount must be $25,000.00 or greater to qualify for 84 month term. Members with Credit Score of 720 or above qualify for rate disclosed
2008 – 2018 Automobiles up to 72 months 2.75% Members with Credit Score of 720 or above qualify for rate disclosed
2008 – 2018 Automobiles up to 60 months 2.75% Members with Credit Score of 720 or above qualify for rate disclosed
New Motorcycles 60 months 5.75% 2017-2018. Members with Credit Score of 720 or above qualify for rate disclosed
Used Motorcycles 48 months 5.75% As long as there is value. Members with Credit Score of 720 or above qualify for rate disclosed
Harley Davidson and other Premium Motorcycles such as BMW and Ducati 60 months 2.75% 2016 or newer. Members with Credit Score of 720 or above qualify for rate disclosed
New Boats 144 months 5.75% 2016-2017. Members with Credit Score of 720 or above qualify for rate disclosed
Used Boats 120 months 5.75% 2011 and newer, Members with Credit Score of 720 or above qualify for rate disclosed
New Recreational Vehicles to include Motorhomes, Fifth Wheels and Travel Trailers 120 months 5.75% 2018 and newer, Members with Credit Score of 720 or above qualify for rate disclosed
Used Recreational Vehicles 120 months 5.75% 2009- and newer. Members with Credit Score of 720 or above qualify for rate disclosed
Home Equity Line of Credit 180 months 5.00% Rate is variable and changes quarterly based on Prime rate
Home Equity Line of Credit 180 months 6.49% Fixed for 5 years then reverts to Prime + 0
Personal Loan 60 months 8.49% Maximum Loan amount is $18,000.00, term is based on amount borrowed. Members with Credit Score of 720 or above qualify for rate disclosed
Overdraft Line of Credit Revolving 9.49% Maximum Loan amount is $18,000.00. Members with Credit Score of 720 or above qualify for rate disclosed
Computer Loan 36 months 10.90% Maximum Loan amount is $2,000.00. Requires purchase order for computer.
Share Secured Loan 120 months Can use Shares or Certificates to secure loan, can borrow up to 95% of value of collateral
Visa Classic, Student and Secured Revolving 12.96% $250.00 to $18,000.00
Visa Platinum Revolving 8.99% $5000.00 to $18,000.00- must have a credit score of 680 or above to qualify
QuickStart Loan Line-of-Credit 15.00% $250 – $2,500 depending upon monthly earned income

 

*APR=Annual Percentage Rate.

Rates and Terms are based on credit worthiness, age and value of collateral. Will lend up to 125% LTV under certain conditions. Automobile financing may be available for older vehicles, please contact your local Branch. All rates listed above require automatic payment.

Fee Schedule

 

 

Fee Schedule
GENERAL ACCOUNT FEES
New Membership Fee $5.00
General Statement Copy $5.00
Single Service Fee (per month) (1) $10.00
Money Orders (per item) $1.50
Traveler’s Checks – 1 signature (per hundred) $1.00
Traveler’s Checks – 2 signatures (per hundred) $1.50
Gift Checks (per check) $ 2.50
American Express Gift Cards (per card) $3.95
Wire Transfers (incoming international or domestic) $ 5.00
Wire Transfers (outgoing domestic only) $ 20.00
Returned Mail/bad address (per occurrence) $ 2.00
Official Checks – payable to members FREE
Official Checks- payable to a third party $2.00
Negative balance fee (per day if balance if more than $5.00 negative $1.50
IRS levy/garnishment (per notice) $30.00
Account Activity Printout (per request-unlimited # of pages) $2.00
Notary fee (free to members, for non-members only) $10.00
ON-US check cashing (per check) Non-Members Only $2.00
Account Research or Balancing (per hour/1 hour minimum) $15.00
Inactive Account Fee (per month) (2) $5.00
Account Closed within 180 days of opening $25.00
Returned Item (1st party) $25.00
Returned Item (2nd party) $15.00
Late Loan Payment Fee (3) $25.00
Federal Express Overnight Fee (6) COST
Incoming Collection COST OF COLLECTION
Outgoing Collection COST OF COLLECTION
Reopen a Share Account within 12 months of prior closing $ 25.00
Outgoing Western Union $20.00
Mortgage Payoff (per request) NO CHARGE
Mortgage Satisfaction (per page) $10.00
Mortgage Subordination $ 25.00
Electronic Title (per title) $4.50
Dash Pay (with Direct Deposit) (7) NO CHARGE
CHECKING ACCOUNT FEES
Copy of a Paid Check (per check) FREE ONLINE ($5.00)
Insufficient Funds Fee (per item) (ACH, DEBIT, BILL PAY) $32.00
Online Bill Payment (4) No Charge
Stop Payment Fee (includes range) (per item) $25.00
Paid NSF (ACH, Check, Bill Pay) (per item) includes stops on bill pay $32.00
ACH Stop Payment (per item) $25.00
Check Printing Price varies with selection
Overdraft Protection Transfer (Check, ACH, ATM, Debit, Bill Pay) $2.00
Temporary Checks (per check) $0.25
Merchant Return (Bill Pay $25.00
Bill Payment Inactive Fee (monthly) (5) $5.95
VISA CHECK CARD FEES
ATM Transactions (at ATM’s we do not own per transaction) $1.50
Debit NSF Transaction (per occurrence includes POS, ATM, Paid Debit NSF transaction) $32.00
Card Replacement Fee (per card) $10.00
PIN Change (through IVR) NO CHARGE
PIN Change at ATM NO CHARGE
POS Transaction with PIN or signature NO CHARGE
Non-member surcharge fee $2.00
VISA® CREDIT CARD FEES
Visa Late Payment fee (3) $25.00
Returned Check Fee $25.00
Card Replacement fee (per occurrence) $10.00
Statement copy fee $5.00
Visa Cash Advance Transaction (non-members only) $5.00

 

(1)Single Service fee is waived under the following circumstances: members is under 18; member is over age 60; accounts has been open less than 6 months; account has a balance over $200.00 or member has another service with FWCCU (i.e. checking, loan, credit card)
(2) Account has had not no activity in any suffixes for 12 months or greater and aggregate balance is less than $1,000.00
(3) If payment is 10 or more days late
(4) Online Bill Pay is free to all members that have full direct deposit and a checking account or loan and deposit balances of $15,000.00 or more. If you are unable to meet these requirement bill pay will be $5.95 per month and all payments over 6 will be $0.50 per payment
(5) Must pay at least one bill per month to receive the service for free or you will be charged a dormant fee of $5.95 after three months of non-usage
(6) Standard Overnight
(7) Fee is $1.00 per person to person payment or for each account to account transfer if you do not have full direct deposit

Fees effective April 7,2017