Rates & Fees
Savings Rates:
Effective: June 01, 2009
Account Type |
Minimum To Open |
Minimum Balance To Earn A.P.Y. |
Dividends Compounding & Crediting Frequency |
Dividend Rate |
Annual Percentage Yield |
| Shares |
$5 |
$100.00 |
Monthly |
0.00% |
0.00% |
| |
$5 |
$100.01 - $2,500.00 |
Monthly |
0.19% |
0.20% |
| |
$5 |
$2,500.01 - $10,000. |
Monthly |
0.29% |
0.30% |
| |
$5 |
$10,000.01 - +Over |
Monthly |
0.49% |
0.50% |
| Share-IRA |
$0.00 |
$0.00 |
Quarterly |
0.99% |
1.00% |
| 5 Year CD-IRA |
$1,000.00 |
$1,000.00 |
Quarterly |
1.83% |
1.85% |
| 3 Year CD-IRA |
$1,000.00 |
$1,000.00 |
Quarterly |
1.63% |
1.65% |
| 2 Year CD-IRA |
$1,000.00 |
$1,000.00 |
Quarterly |
1.39% |
1.40% |
| 1 1/2 Year CD-IRA |
$1,000.00 |
$1,000.00 |
Quarterly |
1.19% |
1.20% |
| 1 Year CD-IRA |
$1,000.00 |
$1,000.00 |
Quarterly |
1.09% |
1.10% |
| 5 Year CD |
$1,000.00 |
$1,000.00 |
Quarterly |
1.73% |
1.75% |
| 3 Year CD |
$1,000.00 |
$1,000.00 |
Quarterly |
1.39% |
1.40% |
| 2 Year CD |
$1,000.00 |
$1,000.00 |
Quarterly |
1.14% |
1.15% |
| 1 1/2 Year CD |
$1,000.00 |
$1,000.00 |
Quarterly |
1.09% |
1.10% |
| 1 Year CD |
$1,000.00 |
$1,000.00 |
Quarterly |
0.99% |
1.00% |
| 6 Month CD |
$1,000.00 |
$1,000.00 |
Monthly |
0.84% |
0.85% |
| 3 Month CD |
$1,000.00 |
$1,000.00 |
Monthly |
0.74% |
0.75% |
| Money Market |
$2,500.00
$10,000.00 |
$9,999.99
And over |
Monthly
Monthly |
0.34%
0.54% |
0.35%
0.55% |
| Club Account |
$0.00 |
$0.00 |
Monthly |
0.24% |
0.25% |
Rates are subject to change without notice. There is a substantial penalty for early withdrawal from Certificates. The daily balance method is used to calculate interest (the amount of principal in the account each day). Federally insured by N.C.U.A.
Fees:
Fee Schedule Effective 05/01/2008
Fees Common to All Accounts:
Copy of Statement (per page) _____________________________________________ $1.00
Copy of history of account since last statement (per page) ______________________$1.00
Wire funds out before 2 pm _______________________________________________ $8.00
Wire funds out after 2 pm ________________________________________________ $13.00
Wire funds out (outside of the U.S.) ________________________________________ $40.00
Photocopy (per page, 2 per day no charge) ___________________________________$0.25
Fax charge (each page) __________________________________________________ $1.00
Loan Application/Reapplication fee ________________________________________ $10.00
Cashier's Check (per check) ______________________________________________ $2.00
Dormant Account
(no member-generated activity, e.g. deposits or withdrawals, within 18 months
(18 yrs and under exempt) per month) ______________________________________ $5.00
Return of deposit items _________________________________________________ $10.00
Stop Payment (per cashier's check) _______________________________________ $50.00
Nonsufficient Funds fee (per item)
including Automated Withdrawals, ACH, etc. _________________________________ $25.00
Non-Automated Telephone Transfer Fee ______________________________________ $2.00
Account Research (per hour, 1 hour minimum) ________________________________$25.00
Return Mail _____________________________________________________________ $4.00
Legal Processing Fee (garnishment, tax levy, etc.) ____________________________ $25.00
Account closing within 90 days of opening ____________________________________ $5.00
Non-Member cashing of Member's check _____________________________________ $2.00
Cashing of Payroll Checks (if account balance < $100) __________________________ $2.00
Checking
Stop payment fee (per draft) _______________________________________________ $20.00
Returned Insufficient Funds (per draft) _______________________________________ $25.00
Copy of Check (per draft) __________________________________________________ $5.00
Check Printing
________________________________________ varies with style and quantity
Below minimum balance - checking ______________________________________ no charge
Charge per check - checking ____________________________________________ no charge
Overdraft Protection (per item) ______________________________________________ $5.00
Temporary Checks (4 per sheet) ____________________________________________ $2.00
Money Market Accounts
Balances below $2,500 (per month) _________________________________________ $10.00
Regulatory Fee - over 6 trans./month _________________________________________ $5.00
ATM Card/VISA Check Card
ATM/VISA Check Card Fee _____________________________________________ no charge
ATM trans. - IRFCU Proprietary ATMs & Presto ATMs _______________________ no charge
ATM trans. - STAR, Cirrus, PLUS, & CU 24 locations -
inquiry, transfer, or withdrawal ______________________________________________ $1.50
Point of Sale (POS) merchant locations ______________________________________ $0.25
Overdraft account through ATM (overdraft protection does not apply) ______________ $25.00
Reissue card lost/stolen __________________________________________________ $10.00
VISA Credit Card
Reissue card lost/stolen __________________________________________________ $10.00
Over the credit card limit __________________________________________________ $15.00
Late Payment Fee _______________________________________________________ $10.00
Priority card issuance plus postage _________________________________________ $25.00
Copy of Sales Draft _______________________________________________________ $2.00
Safe Deposit Box
Yearly Rental Fees:
3 X 5 = $15.00 3 X 10 = $30.00
5 X 10 = $50.00 10 X 10 = $85.00
Drilling Fee ____________________________________________________________ $150.00
Key Replacement
_______________________________________________________ $20.00
Federally insured to $250,000. NCUA National Credit Union Administration, a U.S. Government Agency.
