Caltech Employees Federal Credit Union
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Schedule of Fees
| ATM Fees: | |
| Annual Card Fee | $10.00 |
| Card Replacement/PIN Reminder | $10.00/ea. |
| Deposit Discrepancy | $10.00 |
| Fraudulent ATM Use | $20.00 |
| Rush Order (PIN Reissuance or Card Replacement) |
$35.00/ea. |
| General Account Fees: | |
| ACH Stop Payment Fee | $15.00 |
| Bad Address | $5.00/ea. |
| Coin Machine | 3% of coin deposit |
| Escheat Fee | $2.00 |
| Electronic Transaction Fee/Reg D (per month if exceed 6 qualifying transactions) |
$20.00/mo |
| Insufficient Funds Fee (ACH, Share/Loan Drafts) | $20.00 |
| Levy/Garnishment | $25.00 |
| Membership | $5.00 |
Photocopies |
$5.00/ea. $20.00/ea. $30.00/hr. |
| Return Checks | $20.00 |
| Loan Draft Stop Payment Fee | $15.00 |
| Stop Payment of Credit Union Check | $15.00 |
| Statements (beyond last 3 statements) | $5.00/ea. |
| UPS/Federal Express delivery | actual charges |
| Loan Fees: | |
| Loan cancellation after disbursement | Interest due from the date of loan |
| Loan Late Charge |
Payments received more than 10 days late (after due date) will be charged a late charge of 20% of the finance charge due, but not less than $5.00 or per Loan Agreement |
| Home Equity LOC Processing Fee (waived on new money loans or refinance from outside institutions) |
$1000.00 |
| Real Estate Term Modification Fee | $500.00 |
| Subordination Fee (verification of value may be required) |
$100.00 |
| Home Equity Line of Credit 10-Year Interest Only Draw Renewal Fee Loans up to $200,000.00 |
$500.00 |
| Home Equity Line of Credit 10-Year Interest Only Draw Renewal Fee Loans greater than $200,000.00 |
$800.00 |
| Guaranteed Asset Protection (GAP) (Prices may vary by type of vehicle) |
$299.00 |
| Insurance Fees: | |
| Credit Disability Insurance (voluntary) 30-Day Elimination Period Single Disability Monthly Premium per $100 of Insured Debt: |
$0.174 |
| Credit Life Insurance (voluntary) Monthly Premium per $100 of Insured Debt: Single Life Joint Life |
$0.061 $0.104 |
| Safe Deposit Box Fees: | |
| Annual Rental | $55.00 |
| Forced Entry | $150.00 |
| Lost Key | $75.00 |
| Traveler's Cheques Fees: | |
| Cheques for 2 per $100 of cheques |
$1.50 |
| Gift Cheques | $1.50/ea. |
| VISA Gift Card | $2.50/ea. |
| Wire Fees: | |
| Outgoing - Domestic (U.S.) | $15.00 |
| Outgoing - International | $35.00 |
| Wire Tracer | $35.00* |
| Wire Amendment | $35.00* |
| *additional actual costs from receiving institution may apply plus cost for errors and omissions. | |
| VISA Fees: | |
| Annual Fee | NONE |
| Transaction Fees | |
| Balance Transfer | NONE |
| Cash Advance (including Convenience Checks) | NONE |
| Foreign Transaction in US Dollars | 1.00% of each transaction, in U.S. dollars. |
| Penalty Fees | |
| Over-the-Credit Limit | NONE |
| Late Payment | $10.00 if payment is received more than 10 days after its due date. |
| Returned Payment | $20.00 |
| Convenience Check Non-Sufficient Funds (NSF) | $20.00 |
| Other Fees | |
| Design Your Own Card | $10.00 per card |
| Card Replacement | $10.00 |
| Card Replacement Rush | $35.00 |
| PIN Replacement | $10.00 |
| PIN Replacement Rush | $35.00 |
| Convenience Check Stop Payment | $15.00 |
| Pay-by-Phone | $5.00 |
| Statement Copy Fee | $5.00 (First three statement copies are free) |
| Document Copy Fee | $10.00 |
| CEFCU@HOME (Online Account Access): | |
| CEFCU@HOME | FREE |
| e-Move - Standard (arrives at receiving institution in 3 to 4 business days) (5 transfers per rolling 30-days) |
FREE |
| e-Move - Standard (after 5th in a 30-day rolling period) |
$5.00 |
| e-Move - Premium (arrives at receiving institution in 1 to 2 business days) | $6.00/ea. |
| e-Move's PopMoney (Pay Other People) Transaction |
$5.00/ea. |
