February 1, 2018 Fee Schedule
|Fee Description||Fee Amount|
|Basic Checking Account (Minimum Services)||FREE*|
|Overdraft Protection Advance||FREE|
|Reissue Debit Card/Pin number||$8.00|
|Non-Sufficient Funds (NSF)||$30.00/Item|
|Inactive Account (After 12 Months With No Activity)||
$5.00 (Monthly Fee on Member Balances Less Than $75.00)
|ATM or POS Overdraft||$30.00|
|Deposited Return Check||$30.00|
|Low Balance Fee (Money Market Accounts less than $2,500)||$5.00|
|Account Research Per Hour
($15.00 minimum charge)
|Account Balancing Per Hour ($15.00 minimum charge)||$15.00|
|Interim Statement Per Page||$5.00|
|Copy of Share Draft||$5.00|
|Share Draft and ACH Exception Processing (Manual Posting)||$5.00|
FREE – With $25.00 Minimum Daily Balance ($1.00 Monthly Fee On Minimum Daily Balances Less Than $25.00)
|Phone Payment Fee||$10.00|
|Closed Account Fee||$25.00 (only assessed if account is open less than 90 days)|
|Verification of Deposit Request||$10.00|
|Share Account Withdrawal||FREE (Six (6) Withdrawals Monthly –
$3.00 for each additional withdrawal)
|Levy or Garnishment Processing||$30.00|
|Express Mail Next Day||$35.00|
|Wire Transfer – Domestic outgoing||$25.00|
|Address Research/Invalid Address||$5.00|
|Non Recording Fee on Titles||$20.00|
|Loan Modification Fee||$30.00|
|Debit Card Rush Delivery||$40.00|
|Loan Application Fee||$25.00|
|Paper Statement Fee with Basic Checking||$1.00*|
|Bill Pay Fee with Basic Checking||$5.95*|
For your convenience, we provide several on-line calculators to assist you in your financial planning.
- Transition to a Bi-Weekly Mortgage Calculation (new window)
- Mortgage Refinance (new window)
- Mortgage 1 (new window)
- Mortgage 2 (new window)
- Convertible Balloon Mortgage Calculator (new window)
- Biweekly Mortgage Calculation (new window)
- Mortgage Payment Table Calculator (new window)
- How much house can you afford? (new window)
- Prepayment Mortgage Reduction (new window)
No new notices at this time. Thanks for being a member of Carolina Federal Credit Union.
Our Routing Number is : 253175397
These homeownership and mortgage loan calculators, from Freddie Mac, will help you understand the financial differences between renting and homeownership. Additionally, calculate how much you can borrow or afford, understand the financial differences between fixed- and adjustable-rate mortgages, estimate closing costs, or learn how a different term (for example, a 15-year vs. 30-year term) affects your mortgage payment and overcall cost of the loan.
Link to article on mycreditunion.gov: https://www.mycreditunion.gov/tools-resources/Pages/Mortgage-Loan-Calculator.aspx
This Make a Budget worksheet from the Federal Trade Commission, helps you evaluate which expenses are flexible and which are fixed. Use the worksheet for at least two or three consecutive months. This will give you an idea of how you are spending your money and changes you can make to improve your situation.
Here is a quick review of the two types of expenses to help get you started:
- Fixed expenses are items you have little or no control over.
- You will pay a fixed amount for these expenses each month.
- Remember, you have some control over certain expenses before you sign a contract, for example, a short term or payday loan, car loan, or home mortgage. You should shop for the best value before committing to the payments.
- Health Insurance, car Insurance, life Insurance and home owners or renters insurance
- Rent or Mortgage
- Auto Loan or Lease Payment
- Flexible expenses are expenses that you can control.
- When thinking about flexible expenses, think about what you need and what you want. Is it a necessity or a discretionary expense? This will help you control your spending in this category.
- What are some ways that you could control the costs of these expenses?
- Also, make sure to pay yourself first. Set aside money from each paycheck and put it towards your savings.
- Groceries, coffee, or restaurants
- Gasoline, internet, cable, phone, or cell phone
- Car or home repair
- Activities or hobbies
- Emergency Savings
Link to article on mycreditunion.gov: https://www.mycreditunion.gov/tools-resources/Pages/Personal-Budgeting-Worksheet.aspx