California Adventist

Federal Credit Union

Online Banking

Loan Rates Share Rates Certificate Rates Fee Schedule

Effective as of: 01/01/2023
All Fees are subject to limits, changes and restrictions:
Savings Account Opening Fee$5.00Statements mailed Quarterly, E-statement option availableMin. Share balance requirment $50.00
Saving account Monthy Service Fee (waived for accounts with min $250.00 combined average daily balances in all share types per account $5.00 / month Statments mailed monthly / quaterly. E-statement option available
Saving Account Closing (subject to review)$40.00
Checking Account (Individual) FREEStatement mailed monthly, E-statment option available
Checking Account (Business)$12.00 MonthlyStatement mailed monthly - EStatement option Available
IRA Opening Fee$40.00
IRA account annual Fee$25.00
IRA Account Closure Fee (if under 59 1/2 years of age)$50.00 per account
ACH DEPOSIT Options Available
APPLE PAY - DEBIT AND VISA CARD ACCESS NOW AVAILABLE
DIRECT DEPOIST Options Available
ELECTRONIC FUNDS DEPOSIT - SSI
Credit Visa Card Annual Fee$25.00
Credit Replacement Card $35.00
Credit Card NSF Fee$25.00
Credit Card OverLimit Fee$35.00
Credit Card Cash Advance Fee2% of advance amount
Credit Card LATE fee ( after 10 calendar day grace period)$10.00
Check Stop Payment (Share Draft Account)$30.00 / per transaction
CHECK Cancel Fee (Cu Cashier cChecks issued)$30.00 / per transaction
CHECK FEE - (FIRST FREE, EACH ADDITIONAL CU CHECK FEE - MEMBERS ONLY)$7.00 PER CHECK
CHECK FEE - GUEST MEMBERS - (CO-OP) $7.00 PER CHECK
CHECK COPY - Share Draft account checks (each)$20.00 EACH
Credit Report Copy (per applicate)$100 EACH APPLICANT REPORTPrice subject to change
Collection / Legal Action feesup to $7500.00, other subjective fee may apply.
Consumer Loan(s) - LATE FEE (after 10 calendar days grace period)$30.00 per month / per loan
DEBIT CARD - Replacement Fee$35.00
DEBIT CARD - Annual Fee$10.00
DMV - Lien Satisfied Processing, Notary Service included$50.00Assessed when service rendered / not including notary service portion
DORMANT ACCOUNT FEE - (12 months of inactivity) $3.00Assessed quarterly
INACTIVE ACCOUNT FEE3.0
INVALID ADDRESS FEE$5.00Assessed monthly till address is updated
LOAN (CONSUMER) APPLICATION FEE$50.00 / APP. [NON-REFUNDABLE]
LOAN [NON-MEMBER] APPLICATION FE$75.00 / APP. [NON-REFUNDABLE]
LOAN - PAYOFF DEMAND FEE [EXPT. RE LOAN$35 and up.
LOAN - PAY-BY-PHONE TRANSFER FEE $5.00 per transactionFree transaction(s) options include (1) send email to Cu: (2) Member Online access platform.
LOAN ADVANCE {LOC transfers}$25.00 per transaction
NOTARY FEE (general)$15.00 PER SIGNATURE
NSF FEE - (Share Draft item, ACH, Billpay, Zelle, Mobile capture)$25.00 / per transaction
3RD PARTY [ON-UCHECK CASKING$20.00 PER CHECK CASHED
PHOTO COPIES $0.50 PER COPY
Real Estate Loan Processing FeeUpto $5,500 per loanSubject to change
Real Estate Loan Closing cost2 - 5% of Loan amountSubject to change
Real Estate Loan Appraisal Cost$500 - $1500Subject to change
Real Estate Loan Payoff Demand Feeupto $250.00 per loan
Real Estate Flood Determination Certification$15.7500
Real Estate Loan LATE FEE$30.00
Research Service / Hr$200.00/Hr
Statement Copies (Monthly)$35.00 per statement
Statement copy (Quarterly)$75.00 per statement
Statement Reconciliation / Hr.$250/hr per
Transfer Funds Fee [VIA PHONE @ BRANCH LOCATION] $5.00 per transaction
Wire Fee [INCOMING $75.00 each [Domestic or International]

NMLS# 779875 | NMLS# 1434223 | NMLS #2385102

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