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Membership / Rate/Fee Schedule

Effective until May 1st, 2013: Share Par Value
Prime & Youth Share Account				$10.00
Closing Fee (if open less than 12 months)				$10.00
Fee Schedule
Wire Fee (Receiving)				Free
MasterCard Debit Card				Free
Visa Credit Card				Free
Notary Service				Free
Membership Fee (No Fee For Youth Share Accounts)				$1.00
Check Copy				$2.00
Fax Service (per page)				$1.00
Overdraft Transfer from Shares				$2.00
Stop Payment (single check or E-Bill)				$15.00
Stop Payment (Check Series)				$20.00
Insufficient Funds (check or E-Bill)				$20.00
Insufficient Funds (ATM)				$20.00
Negative Balance Charge				$20.00
Return Item				$20.00
Letter of Protest				$15.00
Wire Fee (Standard)				$15.00
Wire Fee (International)				$35.00
Western Union (Domestic)				$16.00
Western Union (International)				$28.00
Non Forwardable Address				$2.00
Official Checks				$2.00
Money Orders				$2.00
ATM / Debit Additional Card				$5.00
ATM / Debit Replace Card (One free per year)				$5.00
Christmas Club Early Withdrawal Fee				$3.00
VISA Lost / Stolen Card Replace (One free per year)				$5.00
Debit / ATM Card or PIN Rush Order 2 Business Days				$75.00
Debit / ATM Card or Pin Rush Order 3-5 Business Days				$45.00
Debit / ATM Card or PIN Special Shipping Fee				$15.00
Photocopies (per page)				$1.00
Share Draft Balancing (per hour)				$15.00
Research Fee (per hour)				$20.00
Statements (per page/microfiche)				$1.00
Address Change (delivery failure)				$2.00
Home Equity Closing Fees				Varies
Under Par Fee After Six Months				Bal of Acct
Dormant Account (quarterly)				$5.00
Money Market Excessive Withdrawal Fee				$5.00
ID Safe Choice (Monthly)				$1.00
Visa Gift Cards				$3.00
Call in Phone Transfer Fee (Not TED)				$2.00
Late Loan / HELOC Payment Fee				$20.00
Foreign Check Fee (Min 10 Day Hold)				Varies
Coin Machine Fees (No Fee if deposited in a Youth Account)				3%
Consumer Loan Late payment (If paid 10 days after Due Date)				$20.00
Visa Late Payment Fee				$15.00
CarFax Report (If Financed with GFCU)				Free
Overnight Shipping Fee				Varies
Legal Process Fee				$50.00
Please note that effective May 1st, 2013, GFCU will be changing our fees to the following:

Share Par Value
Prime & Youth Share Account				$10.00

Fee Schedule
Account Closure (if closed within 12 months of opening)				$10.00
Account Reconciliation				$20.00
Account Research				$20.00
Automatic Transfer				$2.00
Cashiers Check				$2.00
Coin Machine, member use				Free
Coin Machine, non-member use				10% of deposit
Credit Card Replacement				$5, one free per year
Dormant Account				$5 quarter, after 2 years
Gift Cards				$3.00
Late Loan Payment Fee - Consumer				$20.00
Late Loan Paymnet Fee - VISA				$20.00
Legal Process (tax levies, summons)				$50.00
Money Order				$2.00
Invalid Address Fee				$2.00
Shipping Fee				Varies
Statement Copy				$1.00 per stmt
Telephone Transfer (by staff member, not audio response or ATM)				$2.00
Western Union - Domestic				$30.00
Wire Transfer - U.S.				$15.00
Wire Transfer - International				$35.00
Check / Share Draft Printing				$2.00
Foreign Check				Varies
ID Protection				$1.00 per month
Overdraft				$25.00
Returned Item				$25.00
Stop Payment				$15.00
ACH Overdraft				$25.00
ATM / Debit Card Overdraft				$25.00
ATM / Debit Card or Pin Replacement (2-3 weeks)				$5.00, one free per year
ATM / Debit Card or Pin Replacement (3-5 business days)				$45.00
ATM / Debit Card or Pin Replacement (2 business days)				$75.00
Under Par Fee - Prime Share Account				balance, under par after 6 momths
Under Par Fee - Youth Share Account				balance, under par after 6 momths
Excessive Withdrawal Fee - Money Market				$5.00, more than 3 withdrawals per month