Rates
Type of Account DIVIDEND* APY** Minimum
Regular Shares 1.00% 1.00% $25
IRA Shares 1.62% 1.63% $5
Special Shares 1.00% 1.00% $5
Share Draft 0.55% 0.55% $50
3-Month Certificate 2.05% 2.07% $2500
6-Month Certificate 2.38% 2.40% $2500
12-Month Certificate 2.91% 2.94% $2500
18-Month Certificate 3.15% 3.19% $2500
24-Month Certificate 3.48% 3.53% $2500
30-Month Certificate 3.60% 3.65% $2500
36-Month Certificate 3.72% 3.77% $2500
48-Month Certificate 4.09% 4.15% $2500
60-Month Certificate 4.28% 4.35% $2500
3-Month IRA Certificate 2.05% 2.07% $2000
6-Month IRA Certificate 2.38% 2.40% $2000
12-Month IRA Certificate 2.91% 2.94% $2000
18-Month IRA Certificate 3.15% 3.19% $2000
24-Month IRA Certificate 3.48% 3.53% $2000
30-Month IRA Certificate 3.60% 3.65% $2000
36-Month IRA Certificate 3.72% 3.77% $2000
48-Month IRA Certificate 4.09% 4.15% $2000
60-Month IRA Certificate 4.28% 4.35% $2000


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*Rates are declared on a quarterly basis and deposited the first working day of each quarter. All rates subject to change without notice. Substantial penalty for early withdrawal on certificate accounts.

**Annual Percentage Yield assumes principal and interest are left on deposit for one year.

***A minimum deposit of $50 is required to open the account.

Financial Center Credit Union publishes this guide as a service to our members. It is designed to be used for general information and is not meant to be a full disclosure. These rates and items are subject to change without notice. Effective October 25, 2004


Back To Financial Center Credit Union Introduction Page

1997 Financial Center Credit Union/Andermahr & Company. All rights reserved.




Fees
SAVINGS SERVICESAMOUNT OF FEE
MEMBERSHIP: OPEN ACCOUNT$5.00
MEMBERSHIP: CLOSE ACCOUNT$5.00
MEMBERSHIP: REPLACE CLOSED ACCOUNT$10.00
WITHDRAWAL ON ACCOUNTS UNDER $10,000.00
   1 TO 5 PER QUARTER$0.00
   6 TO 15 PER QUARTER$2.00
   OVER 16 PER QUARTER$10.00
DORMANT (NO ACTIVITY FOR 365 DAYS, BALANCE UNDER $100.00 OVER AGE 17)(Per Month)$2.00
CHECKING SERVICES
COPY OF PAID DRAFT$3.00
NFS WITHDRAWL/ACCOUNT OVERDRAFT$20.00
OVERDRAFT TRANSFER FROM SAVINGS$2.00
OVERDRAFT TRANSFER FROM VISA$2.00
RETURNED CHECK: NON-SUFFICIENT FUNDS$20.00
RETURNED CHECK: UNCOLLECTED FUNDS$20.00
RETURNED DEPOSIT ITEM$20.00
STOP PAYMENT ORDER ON SHARE DRAFT$5.00
STOP PAYMENT ORDER THROUGH BURT AUDIO$2.00
EXCESSIVE RECONCILIATION ASSISTANCE (PER HOUR)$15.00
INACTIVE (NO ACTIVITY FOR 90 DAYS, BALANCE UNDER $100.00, OVER AGE 17)(Per Month)$5.00
BURT ONLINE SERVICES
E-CHECKS, CHECK IMAGES OF CLEARED CHECKS THROUGH BURT ONLINE
   0 TO 3 IMAGES PER MONTH$0.00
   4-7 IMAGES PER MONTH-PER INDIVIDUAL CHECK IMAGE$0.50
   OVER 7 PER MONTH-PER INDIVIDUAL CHECK IMAGE$0.25
E-STATEMENTS$0.00
STOP PAYMENT ORDER, THROUGH BURT ONLINE$2.00
BAD EMAIL ADDRESS FEE$5.00
BURT-PAY BASIC, UP TO TEN TRANSACTIONS PER MONTH$6.00
BURT-WITH E-BILLS, UP TO TEN TRANSACTIONS PER MONTH$7.50
BURT-PAY, EACH TRANSACTION IN EXCESS OF TEN PER MONTH$0.50
BURT-PAY, NSF ITEM$40.00
BURT-PAY, STOP PAYMENT$25.00
EFT SERVICES
ATM PIN REORDER$5.00
ATM CARD REPLACEMENT$10.00
ATM MULTIPLE CARD$10.00
ATM EMPTY DEPOSIT ENVELOPE$20.00
ATM NSF WITHDRAWAL$20.00
ATM OVERDRAFT FEE FROM SAVINGS$2.00
ATM OVERDRAFT FEE FROM VISA$2.00
ATM BALANCE INQUIRY, FCCU OWNED ATM $0.00
ATM BALANCE INQUIRY, FCCU NON-OWNED ATM $1.00
ATM CASH DEPOSIT, FCCU OWNED ATM$0.00
ATM CASH DEPOSIT, FCCU NON-OWNED ATM$1.00
ATM CASH WITHDRAWAL, FCCU OWNED ATM$0.00
ATM CASH WITHDRAWAL, FCCU NON-OWNED ATM$1.00
INTERLINK / P.O.S. TRANSACTION$0.00
PRE-AUTHORIZED ELECTRONIC STOP PAYMENT$10.00
DISHONORED PRE-AUTHORIZED PAYMENT$20.00
VISA SERVICES
VISA CLASSIC ANNUAL FEE, WITH SHARE DRAFT ACCOUNT$12.00
VISA CLASSIC ANNUAL FEE, WITHOUT SHARE DRAFT ACCOUNT$18.00
VISA GOLD ANNUAL FEE, WITH SHARE DRAFT ACCOUNT$18.00
VISA GOLD ANNUAL FEE, WITHOUT SHARE DRAFT ACCOUNT$24.00
VISA SAFEGUARD ANNUAL FEE, WITH SHARE DRAFT ACCOUNT$34.00
VISA SAFEGUARD ANNUAL FEE, WITHOUT SHARE DRAFT ACCOUNT$40.00
CHECKCARD ANNUAL FEE$12.00
CHECKCARD NSF WITHDRAWL$20.00
CLASSIC/GOLD/SAFEGUARD CHECKCARD MULTIPLE CARD$10.00
CLASSIC/GOLD/SAFEGUARD LATE PAYMENT (10 DAYS)$10.00
CLASSIC/GOLD/SAFEGUARD OVERLIMIT$10.00
CLASSIC/GOLD/SAFEGUARD CHECK RETURNED$20.00
CLASSIC/GOLD/SAFEGUARD DECLINE SURCHARGE$5.00
CLASSIC/GOLD/SAFEGUARD CHECKCARD REPLACEMENT$10.00
CLASSIC/GOLD/SAFEGUARD CHECKCARD PIN REORDER$5.00
GENERAL SERVICES
COPY OF PAID CORPORATE CHECK$3.00
STOP PAYMENT ON LOST/STOLEN CORPORATE CHECK$15.00
STOP PAYMENT/ REDEPOSIT STALE CORPRATE CHECK$15.00
RETURNED DEPOSIT ITEM$20.00
ACCOUNT RESEARCH (PER HOUR)$15.00
STATEMENT COPY (PER MONTH)$5.00
WIRE TRANSFER$30.00
OVERDRAFT TRANSFER$2.00
COLLECTION ITEMS$5.00
IRA ANNUAL CUSTODIAL FEE (BALANCE UDER $500 OVER AGE 17)$10.00
MISSING ADDRESS (PER QUARTER)$5.00
TRAVELER'S CHECQUES, PER $100.00-1 SIGNATURE$1.00
TRAVELER'S CHECQUES, PER $100.00-2 SIGNATURES$1.50
GIFT CHECQUES$2.50
MONEY ORDER (UP TO 999.99)$2.00
ESCHEAT, NOTICE$2.00
LEVY OR GARNISHMENT$20.00
CHECK CASHING, SINGLE SERVICE USER, BALANCE2%
   UNDER $500, OVER AGE 17
Effective 4/1/04. Fees are subject to change without notice.





Back To Financial Center Credit Union Introduction Page

©1997 Financial Center Credit Union/Andermahr & Company. All rights reserved.