h2>Rate and Fee Schedule

This Rate and Fee Schedule of all Accounts sets forth certain conditions, rates, fees and charges applicable to your share, share draft and money market accounts at Clearpath Federal Credit Union as of July 1, 2013. This schedule is incorporated as part of your account agreement with Clearpath Federal Credit Union.

General Service Fees

  • Account Maintenance Fee
    after 12 months of inactivity. . $5.00 per quarter
  • Bill Payer Fee (Third party payments). . .$5.00 each
  • Branch Usage fee (Cash Access account holders only). . $2.00 per
  • Cash Access Account fee (waived with e-statements). . .$4.95 per month
  • Cashier’s Checks. . .$5.00 each
  • Check Cashing Fee <$100. . .$5.00 per check
  • Check Cashing Fee >$100. . .$10.00 per check
  • Early Membership Closure Fee <180 Days. . $10.00
  • Excessive Calls to FSRs (4 free per month). . .$2.00 each
  • Invalid Address Fee. . .$5.00 per month
  • IRA Closure Fee (if under 59 ½). . .$25.00 per account
  • Legal Process Fee. . $35.00 per process
  • Lienholder Letter. . .$10.00 each
  • Money Orders. . .$3.00 each
  • Monthly Service Fee (Waived for minors, members with either
    $100 combined average daily balances or an active
    checking account, direct deposit or eStatements). . .$5.00 per month
  • Notary Fee (waived for internal documents). . .$10.00 per signature
  • Online Banking Account Access. . Free
  • Online Banking Bill Payment Service. . Free
  • Outgoing Collections. . .$20.00 per document
  • Pay-By-Phone Fee. . . . .$10.00/transaction
  • Phone Teller Account Access. . Free
  • Research/Reconciliation (Member Request). . .$25.00/hour
  • Returned Deposit/Payment. . .$27.00 each
  • Shared Branch Network Usage. . Free
  • Statement Copy/Transaction History
  • (Using a representative). . .$5.00 per document
  • Stop Payment Order. . . . . . $27.00 per item
  • Verification of Deposit (any). . $5.00
  • Wire Transfer - Outgoing Domestic. . .$25.00 each
  • Wire Transfer - Outgoing International. . .$30.00 each

Visa Credit Cards

  • Annual Fee (non-Checking Visa). . None
  • Annual Fee (Checking Visa). . $25.00
  • Balance Transfer. . 2.00% of transfer amount
  • Cash Advance. . .2.00% of advance amount
  • Late Charge (> 5 days). . up to $25.00
  • Overlimit Fee. . No Charge
  • Returned Items. . $27.00

Debit/ATM Card

  • ATM Card Annual Fee (if eligible for debit card). . .$25
  • ATM Deposit - Empty Envelope. . .$50.00 per envelope
  • Card Activation fee
  • (Cash Access accounts only. Waived w/direct deposit). . $4.95
  • Card and PIN Replacements (2 free per year). . $10.00
  • Foreign ATM withdrawal Fee (after 6th withdrawal). . .$1.50 each
  • Non-Co-Op Member ATM Surcharge. . $3.00 per withdrawal

Share Draft Checking

  • Check Orders. . See printer’s schedule of fees
  • Copies of Paid Draft (Online Banking). . Free
  • Copies of Paid Drafts (Using a representative). . .$5.00 each
  • Courtesy Payment Overdraft Item. . $27.00 per transaction
  • Daily Negative Balance Fee (From the 8th - 20th day). . $5.00
  • eChecking Manual Check and/or Branch Usage Fee. . .$5.00 each
  • Opportunity Checking Monthly Service Charge. . .$12.00 per month
  • Overdraft Transfer Fee (transfer from another share). . $5.00
  • Return items (First 5 per year). . $27.00
  • Return items (From 6-10 per year). . $32.00
  • Return items (Over 10 per year). . $37.00
  • Temporary Checks (First order free). . $5.00 per request

Share Accounts

  • Dream Club Certificate Early Withdrawal (One free annually).$25.00 each
  • Excessive Withdrawals - Member Share (6 free per month) $5.00 each
  • Excessive Withdrawals - Money Market (6 free per month). . .$5.00 each
  • Excessive Withdrawals - Dream Savings (2 free per month). . .$5.00 each

Consumer Loans

  • P.A.L. Application Fee. . $25.00
  • Payday Express Application Fee. . $25.00
  • CPI (Insurance add-on). . $35.00
  • DMV Processing Fee (CA/Out of State). . .$50.00/$100.00
  • Late Charges (>8 days). . 5% of payment ($15.00 minimum)
  • Loan Modification Fee (Non workout). . $100.00
  • Re-application Fee (Within 3 months of denial). . . .$20.00 per application
  • Skip a Payment Fee. . $25.00 per scheduled skip

Other documentation:

  • See the Deposit Rate Disclosure for current projected dividend rates and
  • Annual Percentage Yields (APY).
  • See Schedule A – New Loan Rates for current Daily Periodic & Annual
  • Percentage Rate for Consumer Loans & restrictions.