Otero Federal Credit Union
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Rates and Fees

Schedule of Fees and Charges

April 2018

Abandoned Acct Fee $25.00
ATM Transaction from Non-OFCU ATM $3.00
Bad Address Fee (per month) $2.00
 Credit Card Cash Advance Fee Members $0.00
Non Members-5% of the advance or $5.00 whichever is higher
Check Cashing Fee
Check order prices vary depending on type of checks ordered
$1.00
Collection Items - Domestic as billed
 Foreign  as billed
Courtesy Pay Fee (per item) $32.50
Credit Card Late Payment Fee Up to $25.00; not to exceed minimum payment.
 Credit Union Checks (Teller Checks)  $5.00
Deposit Item Returned Fee $5.00 (per item)
Dormant Account Fee (per month)
(Fee applies to all accounts with balances of less than $200, with the exception of lRAs and share certificates. Members under age 18 excluded.
$5.00
(Incoming faxes received at member's risk no charge)  
Fee for Closing Account within 6 months of opening $25.00
 Foreign Currency Exchange Fee (per transaction) + Shipping  $25.00
First Mortgage Loan Closing Costs as billed
 First Mortgage Administration Fee  $300.00
First Mortgage Refinance Origination Fee 1%
 Garnishment & Levy Fee  $50.00
Home Equity Title Insurance/Appraisal Fees as billed
 Home Equity Closing Fee  $150.00
Inactive Bill Payment Account (per month) $3.00
 Jet Check Club Monthly Fee  $7.00
Loan Drafting Fee as billed
 Loan Late Charge - 5% of payment amount when payment is 16 days late or $25.00, whichever is  highest.
Money Orders $2.00
 NSF (per item)  $30.00
Non-Member Notary Service $2.00
 Paper Statement (per month)  $1.00

Re-issue of any OFCU Cards (ATM, Visa Debit Card, Credit Card)

Expedited Card Replacement Fee

$10.00

$25.00

Research Fee $20.00
Second Chance Checking Monthly Fee $5.00
Share Account and Related Fees and Charges: If the required amount of $25 falls below $25 a service charge will be assessed to your account per month $1.00
 Stop Payment on Share Draft, Preauthorized Electronic Funds  Transfer (ACH), Bill Payment Items, Teller Check or Money Order  $25.00
Title Processing Fee $20.00
VISA Foreign Transaction Fee 1%
 Prepaid Debit Card (Max 4 reloads, reload fee applies)  $2.95
Prepaid Debit Card (unlimited reloads, reload fee applies) $4.95
 Prepaid Debit Card International ATM Transaction Fee  $2.00
Prepaid Debit Card Foreign Exchange Processing $2.00
 Prepaid Debit Card Reload fee  $2.00
 Western Union Commercial Money Order:
    Up to $50.00 $16.00
    $50.01 to $200.00 $20.00
    $200.01 to $500.00 $25.00
    $500.01 to $1,000.00 $30.00
    $1,000.01 to $2,500.00 $35.00
    $2,500.01 to $5,000.00 $40.00
    $5,000.01 to $7,500.00 $45.00
    $7,500.01 to $10,000.00 $50.00
Wire Transfer of Funds $20.00
VA Loan Origination Fee .5%
NCUA Equal Housing Lender
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