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February 07, 2012

We will lower your current loan rate by 1% if you bring your loan from another financial institution to Front Royal FCU. No refinances of loans at FRFCU. Subject to credit approval. Must provide documentation of current rate. Floor limit is 2.99%. Rate subject to change without notice. Special doesnt apply to Home Equity or Credit Cards. Member NCUA.

Fee Schedule

Fees are effective as of: February 1, 2011

Share Draft Account

Courtesy Pay $35.00 per item
Overdraft $35.00 per item
Returned Item by 3rd party $15.00 per item
Copy of Draft $2.00 per copy
Stop Payment/Draft or EFT $35.00 per request
Fax Copy of Draft $6.00 per copy
NSF $35.00 per item
Share Draft Prices vary depending on style
Sharedraft Account FEE FREE

Other Service Fees (applicable to all accts.)

Account Reconciliation $10.00 per hour
Statement Copy $1.00 per page
Deposited Item Returned by 3rd party $15.00 per item
Wire Transfer (incoming) $15.00 per transfer
Wire Transfer (outgoing) $25.00 per transfer
Certified Check (CU Issued) $3.00 per check
Money Order $2.50 per item
Travelers Cheques $2.00 per $100
Gift Cheques $2.50 per cheque
Gift Cards $3.95 per card
Account closed within 6 months $20.00
Inactive Account $2.00/Monthly charged to accounts with no activity for 12 months or longer
Levy/Garnishment $25.00
Rush Fee for VISA Debit/Credit $50.00
VISA Debit NSF Fee $35.00 per item
NSF for ACH Item Return $35.00 (Funds must be available in the account which funds have been authorized to draw from - no transfers made to cover these items unless an authorized signature is on file.)
Coin counting machine 2% of total coin counted
Non-member Check Cashing $5.00 per check

Electronic Funds Transfer Fees

Credit Union ATM Withdrawal/Transfer No charge;non-credit union atm cards $1
Inquiry No charge;$0.50 non-credit union atm cards
VISA Credit/Debit Card/PIN Re-Issue $10.00 per Card/PIN
ATMS Other Than The FRFCU ATM $1.00

Safe Deposit Box Fees

3 x 5 $30.00 annually
5 x 5 $40.00 annually
3 x 10 $50.00 annually
5 x 10 $60.00 annually
Change of Lock Cost incurred by Credit Union
Drilling of Box Cost incurred by Credit Union

Other Return Item Fees

Deposit Item return/VISA payment $35.00 per item
Deposit Item return written by member $35.00 per item
Deposit Item return/loan payment $35.00 per item