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Here at HCCU we believe in full disclosure of any fees or charges that may be associated with your accounts.

All members are provided with a copy of the Truth-In-Savings Disclosure at account opening. Members will be notified of any changes in fees via website or branch postings. If you have any questions about your account, or any of the fees listed below please contact us and we will be happy to assist you. The rates and fees appearing here are accurate and effective for accounts as of 6-19-2012.

Par Value: $25.00 - This is not a fee, but an amount that must be maintained in your Share account to retain credit union membership. Upon closer of your account this amount would be returned to you.

Type of Fee Amount # Free Stipulations
  Savings Account Fees:
  USA Patriot Act Compliance $5.00 --  
  Regular Share, Kid$ Club, Teen $cene Withdrawal $5.00 12 $500.00 minimum balance required to avoid fees
  Money Market Withdrawal $10.00 12 --
  Christmas Club Withdrawal / Transfer $10.00 1 Annual payout in November counts as 1 free withdrawal.
  Vacation Club Withdrawal / Transfer $10.00 1 1 Free withdrawal per year can be taken at any time

  Share Draft Account Fees:
  NSF $35 / Item -- --
  Stop Payment $35 / Request -- --
  Share Draft Printing Prices Vary -- 1 free Box of Security Checks per year for Gold Club members
  Monthly Service Charge *Except Fresh Start Share Draft $5.00 -- Fee waived if a minimum average daily balance of $300 is maintained or for students 22 and younger
  Fresh Start Share Draft Monthly Service Charge $10.00 -- --
  Fresh Start Share Draft Account Opening $10.00 -- --
  E Checking In Branch Withdrawals $2 / Each -- --
  E Checking Per Cleared Check $2 / Each -- --
  Loan Overdraft Transfer $10.00 -- --
  Share Overdraft Transfer $10.00 -- --
  Point of Sale (POS) Fee $0.50 / charge -- Fee charged if you select "debit" and enter your PIN at a merchant terminal, no fee charged if you select "credit" and sign for the purchase

  Other Service Fees: (applicable to all accounts)
  Account Reconciliation $10 / Hour -- --
  Account Research $10 / Hour -- --
  Account Closure $10.00 -- Charged only if account has been opened less than 6 months
  Statement Copy $5 / Copy -- --
  Deposited Item Return $20 / Item -- --
  Paper Statement Fee $2.00 -- No fee for e-Statements, Gold Club Members receive 50% off Paper Statement fees
  Domestic Wire Transfer $15 / Transfer -- --
  International Wire Transfer $45 / Transfer -- --
  Inactive Account $30.00 -- Charged after 6 months of inactivity
  Dormant Account $60.00 -- Charged at $5.00 / Month after five (5) years; maximum fee is $60.00
  Photocopy $3.50 / Each -- --
  Verification of Deposit $5.00 -- --
  Return Mail $2 / Each -- --
  Replacement Debit / Credit Card $10.00 -- --
  Debit / Credit Reactivation Fee $10 / Each -- --
  Debit / Credit PIV Reminder Fee $5 / Each -- --
  Delinquent Share Collection Fee $25 / Each -- --
 International ACH Transaction Fee $25 / Each -- --
  Check Cashing $5 / Transaction -- Charged if member does not have at least $100 on deposit or $100 loan balance
  Check Withdrawal fee for CU Checks $2 / Check -- Charged on checks issued to a third party
  Money Orders $2 / Item -- Gold Club Members receive 50% off
 Cashiers Checks $2 / Check -- --
 Garnishment / Levy $50/Occurrence -- --
  Merchant Collection $10.00 -- --
  Account History (print out) $2.00 -- --
  Counter Checks (print out) $2 / Per Page -- 4 checks per page
  Consumer Loan Application Fee $25.00 -- Charged on all applications except for Visa

  Electronic Funds Transfer Fees:
  Share Overdraft Transfer $10 / Each -- --
  Overdraft $35 / Each -- --

  Safe Deposit Box:
  3" x 5" Box $15 / Year -- --
  3" x 10" Box $25 / Year -- --
  5" x 10" Box $35 / Year -- --
  10" x 10" Box $60 / Year -- --
  Key Deposit $10.00 -- Additional fees will be charged for change of lock and drilling
 
 
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