Schedule of Fees
As your Credit Union partner, we try to limit fees whenever we can, but some are necessary. Although not every financial institution lists their fees, all do have a fee schedule. Because we value transparency, we want to make sure you understand the situations in which fees can be charged.
| Fee Type | Fee |
|---|---|
| Account Research | $25 per hour, $25 minimum |
| ATM Transaction Fee on ATMs not owned by HHCU, and not in the Alliance One ATM Network | $2.50 per transaction |
| Auto/Vehicle Loan Origination | $195 (one-time fee) |
| Auto/Vehicle Loan Protection | Debt Protection: Price varies depending on protection amount; Guaranteed Asset Protection (GAP): $399 one-time optional fee; Mechanical Repair Coverage (MRC): Price varies depending on protection amount |
| Card Foreign Transaction Fees* | Credit Card (1% of transaction amount), Debit Card (1.0% of transaction amount) |
| Cashier's Check Purchase | $3 each |
| Money Order Purchase | $2 each |
| Check Cashing for members with less than $300 in combined loans and deposits with HHCU, waived if age 25 or under | $3 each |
| Check/Money Order Copy | $3 each |
| Checks | Price varies depending on check order; 40 Counter Checks free |
| Counter Check Purchase | $0.50 each |
| Court Order Processing | $25 per hour, $25 minimum |
| Early Account Closure (within 3 months of opening) | $5 |
| Escheatment Processing | $25 |
| Foreign Item Collection | $15 |
| Gift Card Purchase | $3 (non-member, $6) |
| Gift Card Replacement For Lost Cards | $2.95 (this fee will be assessed after the card is 7 months old and will continue until balance is depleted) |
| ID Protect (Identity Theft Protection Coverage) | $4.95 per month |
| Inactive Account - No activity for 6 months and less than $300 in combined loans and deposits with HHCU | $5/month (waived if under the age of 25) |
| Inactive Account Below Minimum | If below required $5 share, account is charged fee to bring balance to zero (waived if under the age of 25) |
| Late Loan Payment (after 15-Day Grace Period) | $17 each |
| Late Credit Card Payment (after 10-day Grace Period) | Lesser of amount of minimum payment due or $15 |
| Late Line of Credit Payment (after 15-Day Grace Period) | $10 |
| Late Mortgage Payment - 1st Mortgage (after 15-Day Grace Period) | 5% of Principal & Interest |
| Late Mortgage Payment - 2nd Mortgage (after 15-Day Grace Period) | 5% of Principal & Interest ($10 maximum) |
| Money Market Average Daily Balance Below $1,000 | $2/month |
| Mortgage Origination: 1st Mortgage/Land | $1195 |
| Mortgage Origination - Construction | $1000 |
| Negative Overdraft Balance after 30 consecutive days | $33 |
| Overdraft/Non-Sufficient Funds (NSF) | $33 per presentment |
| Overnight/Rush Processing for Credit & Debit Cards | $30 |
| Paid Overdraft | $33 per presentment |
| Repay Loan Payment | $5.95 |
| Safe Deposit Boxes | $12 - $70/year (available in Bedford, Greendale and Jasper; see Member Service for details) |
| Safe Deposit Box Replacement Keys/Lock | $20-$100 (see Member Service for details) |
| Statement Duplicate Copy | $5 each; $30/year maximum |
| Stop Payment | $33 each; $40 for series of checks |
| Domestic Wire Transfer - Incoming in US | $10 |
| Domestic Wire Transfer -Outgoing in US | $25 |
| Foreign Wire Transfer: incoming from outside US or outgoing outside of US | $50 |
| *Foreign currency charges and foreign transaction fees may apply to transactions initiated with a foreign merchant while the cardholder is located in the U.S. | |
|
Additional Business Service
|
Fee Type |
|---|---|
| Automatic Overdraft Transfer Fee | $2 per transfer |
| Check Imaging - Paper Copy or CD | $7.50 per month |
| Excessive Transfer | Overdraft Protection Fee for Commercial Savings, Commercial Money Market, Public Funds Money Market: $2 each (First 6 free each month) |
| Foreign Item Collection | $15 |
| Money Market Month-End Below $2,500 | $6 per month |
| Returned Deposited Item | $8 each |
| Free Additional Products and Services |
|---|
| ATM / Debit /Visa Card Replacement |
| Automated Overdraft Transfers for Savings to Checking (6 free from Money Market) |
| Checking Relationship |
| Notary Service |
| No Visa Over Limit Fee |
| Visa Card for Third Person |
| Online Bill Pay |
| Visa Emergency Increase |