Effective December 1, 2024
| Share / Share Draft | |
| $10.00 | ACH Stop Payment |
| $10.00 | Inactivity Fee (Assessed monthly after 365 days of inactivity) |
| $5.00 | Inactivity Fee (Kids/Teen Accounts) |
| $2.00 | Microfiche Copies/Check copies (per pg after first 2) |
| $10.00 | Overdraft/ NSF (Teen Account) |
| $35.00 | Overdraft/ NSF (All Other Accounts) |
| $20.00 | Overdraft Tolerance (ODT) |
| $35.00 | Return Deposit Fee (issued by member) each check |
| $5.00 | Statement Reproduction per month |
| $5.00 | Transfer from Savings to checking to cover NSF |
| $5.00 | Credit Union Cashier’s Ck (after first 3 monthly) |
| $25.00 | Hand Posting Fee |
| *** Member Check Orders | (depending on style/quantity***) |
| IRA/ Money Market | |
| $25.00 | IRA Early Withdrawal Fee |
| $5.00 | Money Market minimum balance fee |
| Safe Deposit Boxes (annual fee) Product no longer offered as of 8-01-2024 | |
| $40.00 | 3 x 5 box |
| $75.00 | 3 x 10 box |
| $95.00 | 5 x 10 box |
| $115.00 | 10 x 10 box |
| $300.00 | Safe box drill fee (each instance) |
| Miscellaneous | |
| $25.00 | Account Closure within 90 days |
| $4.00 | Bad Address Fee (monthly) |
| $10.00 | Collection Item |
| $100.00 | Levy Fee |
| $15.00 | Night Depository Bags – Small zippered |
| $2.00 | Paper Statement Fee (assessed monthly) |
| Cost | Postage Fee - Special Mailing (postage cost) |
| $25.00 | Research/Reconciliation on Accounts (per hour, 1-hour minimum) |
| $9.95 | Debit Card Payment Transaction Fee |
| Non-Member Fees | |
| $4.50 | ATM Surcharge Fee |
| Cash Advance Fee | (Max $5,000) |
| $10.00 | Cash Advance Fee $1 - $1000 |
| $20.00 | Cash Advance Fee $1001 - $2000 |
| $30.00 | Cash Advance Fee $2001 - $3000 |
| $40.00 | Cash Advance Fee $3001 - $4000 |
| $50.00 | Cash Advance Fee $4001 - $5000 |
| $10.00 | Notary Fee - non-member |
| Wire Transfers | |
| $20.00 | Outgoing Domestic |
| $35.00 | Foreign |
| Bill Pay | |
| $10.00 | Bill Pay - Stop Payment |
| $7.50 | Bill Pay - Check Copies |
| VISA/ VISA Debit Cards | |
| $15.00 | Card Research Fee (per hour) |
| $10.00 | Overdraft/ NSF (Teen Account) |
| $35.00 | Overdraft/ NSF |
| 1% | Visa Foreign Currency Exchange Fee |
| Consumer Lending | |
| $150.00 | Lien Processing Fee |
| $2.00 | Document Copy |
| $20 – 5% | Late Charge (after 10th day for consumer loans) the greater of $20 or 5% of pmt due |
| $10.00 | VISA Over-limit Charge |
| $20.00 | VISA Late Charge (if payment not satisfied by end of current month) |
| $30.00 | Skip Payment Fee |
| 1% | Visa Foreign Currency Exchange Fee (pass through) |
| Real Estate* | |
| min. 1% | Real Estate Mortgage Loan Fee (if applicable) |
| $150.00 | Mini Heloc Document Prep. Fee |
| 1% | Mini HELOC Origination Fee |
| 1% or $950 | Land Loan Fee (whichever is greater) |
| $600 | Land Loan Document Prep |
| Reconveyance Fee | based on individual Title Co. |
| Mini HELOC late fee | greater of $50 or 20% of interest due after the 10‐day grace period |
| 5% | Land Loan Late Charge, after 10th day, 5% of the monthly payment due |
| *Other 3rd Party additional fees may apply |
Once a member of MAC FCU, always a member of MAC FCU.
When you open an account with us, you're a member for life, as long as the account stays open.
You can move and take us along!