Effective 4-1-2022

Product Information

Account Escheat$25per account, per year.
Account Number Change$40.00member request to change account number with no fraud present
Account Research$30.00per hour, minimum 1 hour for research, member letters, etc.
Account Verification$10.00per request (written and verbal) - mortgage, immigration, third party lenders, etc.
ACH Origination Fee$15per item / per file
All Insufficient Funds (NSF)$30.00per presentation
All Stop Payments$30.00per ACH, electronic item, check or series of checks
ATM Balance Inquiry$1.00for non-member card balance inq. at BCFCU ATMs
ATM Transactions$2.00for non-member card withdrawals at BCFCU ATMs
Balance Inquiry: (non audio - x phone)$3.00per inquiry by phone request
Card Order Rush Fee - Next Day$55per card
Card Replacement (Temporary Card)$15per card
Card Replacement (Mailed Debit & Credit)$10.00per card
Carfax Report$10.00first one free, each additional is $ 10
Check PrintingOPENper order - fee based on style and type ordered, and is responsibility of member
Closing Account$5.00per primary savings (A)
Collection Draft$10.00per draft
Collection FeeAs allowed by lawAs allowed by law
Credit Card Balance Transfer Fee2%of amount, min. $10.00
Credit Card Cash Advance Fee$10.00per advance
Credit Card Foreign Currency Conv. Fee2%of transaction amount
Credit Card Late Fee20%of payment with minimum $15, maximum $50
Debit Card / ACH Research$5per item
Debit Card Dispute Denial Fee$30per dispute, per day, per card
Deposited Check Return Fee$25per item
Excessive Withdrawal$3.00per withdrawal in excess of one per month, (A, B, etc.)
Loan Application$10.00per application in excess of (4) per year
Lost Title / Lien Release, (initial release NC)$10per title, and after initial lien release
Low Balance Share Account Fee (A only)$1per month
Membership (Lifetime Fee)$5.00primary only (A)
Merchant Debit Card Fee (*)$3.00per month
Money Orders$1.00per money order up to $500.00 face value
Monthly Inactivity$10.00per month (any account inactive for 6 months or more)
Monthly Service Charge - 5 Star Chk.$12.00per month - if balance goes below $1,000 anytime during month
Monthly Service Charge - Regular Chk.$7.00per month. If direct deposit is at least $500 a month, monthly fee is waived, OR if daily balance stays above $300, monthly fee is waived
Negative Balance$5per account, per day
Non-credit card loan Late Fee10%10% of payment, with a maximum of $50
Non-member Check cashing fee2%2% of check amount or $5, whichever is greater
Official Teller Check$4.00per check, if not made payable to member, minimum $500
Overdraft or Negative Acct. Transfer$6.00per item or transfer
Account History Print Out$4.00per mailing, (monthly or quarterly)
Payroll Check Processing$5.00per check
Photocopies$2per copy sheet, (checks, statements, etc.)
PIN Mailer (Forgotten PIN)$5.00per PIN mailer
Refinance Exisiting BCFCU Auto Loan Fee$35.00processing fee to evaluate exisiting BCFCU auto loan term changes
Return Mail Fee$5.00monthly fee for account with an incorrect address
Share draft / Check Copy$5.00per item
Statement Copy$5.00per month
Tax Levy, Garnishment, Freeze, etc.$50per account, per item
Temporary Checks/Deposit Slips$5.00for 4 printed temporary checks or deposit slips
Transfers: (non audio - x phone)$5.00per transfer by phone request
Wire Transfer - Domestic ONLY$15.00per transfer - Outgoing
Wire Transfer - Domestic ONLY$10.00per transfer - Incoming


Minimum to
Minimum Required
for Dividends
Dividends Credited
(end of)
Minor Savings$25$25$25QuarterlyQuarterly
Super Shares$500$500$500QuarterlyQuarterly
Traditional IRA$25$25$25QuarterlyQuarterly
Share Certificate$1,000$1,000$1,000QuarterlyQuarterly
5 Star Checking$1,000$1,000$1,000MonthlyMonthly
P/R Time Deposit$100$100$100QuarterlyQuarterly

Early Withdrawal Penalties

Early Withdrawal Penalty - Super Shares & Payroll CD2%
of withdrawal amount done outside the period of the first ten days of each quarter, or $5 which ever is greater. Max: $200.
Early Withdrawal Penalty - Holiday Acct2%
of withdrawal amount done outside the period of Oct 1st to Jan 31st, or $5 which ever is greater. Max: $100.
CD Early Withdrawal Penalty (non Platinum)
90 days
of dividends on withdrawal amount from Time Deposit, (CD), whether accrued or not, or $5.00, whichever is greater. Max: $ 200 Minimum $1,000 withdrawal otherwise CD must be closed. (see CV form)
Platinum CD Early Withdrawal Penalty
equal to 1/2 the number of days dividends remaining on the CD. On the amount of your withdrawal, whether earned or not. Max: $ 200 Minimum $1,000 withdrawal otherwise CD must be closed. (see CV form)
  • All accounts insured by NCUA up to $250,000.00.
  • The rates, fees and terms applicable to your account at BCFCU are provided in this RATE and FEE SCHEDULE. The Credit Union may offer other rates for these accounts from time to time.
    The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Dividends on all share accounts not guaranteed.
  • Balanced Method: Average Daily Balance. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period.
  • The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
  • Dividends are credited on the last day of the month or quarter. Dividend rates and APY may change as determined by the Credit Union’s Board of Directors.
  • Nature of Dividends: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
  • When Dividends Accrue: Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account.
  • Effects of Closing Account: Members will forfeit dividends if they close an account before dividends are credited.

* If law enacted