|
| CONSUMER AND REAL ESTATE FEES: |
Excessive loan requests (Up front fee)
(Excessive = at 3 requests within 6 month period) |
$25.00 |
| Mobile Home loan fee |
$300.00 |
| Mobile Home / Land combo fee |
$500.00 |
| VISA annual fee |
$12.00 |
| Replacement of lost / stolen / damaged VISA Cards |
|
1st Card |
$15.00 |
Each Additional Card Thereafter |
$15.00 |
| Rush VISA card order - 24 hours |
AT COST + $5.00 |
| VISA Cash advance fee-per advance |
2% |
| VISA Minimum payment -% of balance |
2.5% |
| VISA Late fee-% of total dollar amount of all payments due for the delinquent period |
3% |
| GRACE/Free-ride period |
25 DAYS |
| Monthly statement copy requested |
$10.00 |
| Document Copies (Sales Draft/Other) – per copy – per member request |
$10.00 |
| Real Estate loan fee (New Purchase/Refinance / Equity) |
$500.00 |
| Real Estate loan fee to reduce A.P.R. - % of loan balance |
1% |
| Reconveyance fee and recording |
$75.00 |
| Real Estate demand fee |
$100.00 |
| Real Estate Rush demand fee-same day fax |
$15.00 |
| Signature Equity loan fee |
$175.00 |
| Subordination agreement |
$75.00 |
| Request to remove lien (Signature Equity loans) |
$75.00 |
Real Estate cancellation fee (Refinance and Equity)
(After order of preliminary title report) |
$150.00 |
| Real Estate loan consolidation fees: |
|
1-3 payoffs |
$25.00 |
4-6 payoffs |
$75.00 |
7-10+ payoffs |
$100.00 |
|
Other related charges based upon outside service Provider/Fees including but not limited to:
(Title insurance, Residential credit report, Recording of Trust Deed, Recording of call option rider to trust deed, Tax service, Property appraisal, Income tax verification, Flood certification and tracking, Escrow and Subescrow) |
AT COST
|
| The Board of Directors of this credit union reserves the right to make changes in this agreement at any time and without notice, and you agree that your account becomes subject to these changes on the date the changes take effect. Unless the change must be made immediately to comply with law or regulation, you will receive such notice as might be required by law. We may send your statement and notices to any authorized person on an account by mailing or delivering the documents to the last address on file for the account. Notice to any account holder or agent shall be considered notice to all authorized persons. |
