Schedule of Fees
Not a Member?
Enjoy the benefits of credit union membership, including:.
- Lower lending rates
- Higher dividend rates
- Fewer or lower fees
We offer free access to thousands of ATMs nationwide.
Visit any of our eight convenient branches in Maryland, Virginia and Washington, D.C., including:
- Crystal City, VA
- Kensington, MD
- Potomac, MD
- Rockville, MD
- McLean, VA
- Washington, D.C.
Or visit a shared branch — there's at least one in every state!
Please be aware of the following fees which may be assessed in connection with your personal accounts and loans.
Business account holders, please see our Business Account Fees.
Effective April 1, 2019
| Fee Type | Fee Details |
|---|---|
| Account Closure | $25 within the first 6 months |
| Account Research | $25 per hour (or fraction thereof) |
| Account Verification | $20 each |
| ATM Withdrawals (non-LFCU owned ATMs) | 5 free each month, $2.00 each additional (unlimited free withdrawals at all LFCU-owned ATMs) |
| Attachment (Tax Levy, Garnishment) | $75 each |
| Bad Address on Account | $10 per month |
| Cashier's Check | $5 each |
| Check Photocopy | $2 each; free if member retrieves via Online Banking |
| Courtesy Pay (Overdraft Protection) | $30 per transaction that activates Courtesy Pay |
| Debit Card Replacement Excessive (more than 2 per calendar year) Instant Issue (in person at a participating branch) | $10 each $10 each |
| Dormant Account Fee | $20 per month |
| Excessive Money Market Withdrawals | $20 each |
| Excessive Preferred Savings Account Withdrawals | $10 each |
| Excessive Premier Savings Account Withdrawals | $100 each |
| Expedited Card Shipping (credit or debit) | First Class: $5 Postal Express: $15 FedEx (domestic): $20 FedEx (International): $40 Overnight (order by 2pm): $40 |
| Failure to Maintain Minimum Share Savings Balance | $10 per month |
| Foreign Transaction Fee | 2% |
| Loan Late Payment | 5% of payment amount due |
| Mastercard® Gift Card | $4.95 purchase price $2.50 inactivity fee (after 12 months) $10.00 replacement fee |
| Mastercard® Late Payment | $25 per month |
| Non-Member Check Cashing | $10 per check |
| NSF or Returned Item (Check, ACH, ATM overdraft) | $30 each |
| Overnight Mail Delivery | $18 each |
| Online Banking Checks | $5 each |
| Online Bill Pay | $5 per month |
| Share Savings Withdrawals | 4 free each month, $1 each additional |
| Returned Deposit Item | $25 each |
| Returned Bill Pay Item | Bill Pay provider charges a $25 fee for overdrafts (this fee is in addition to LFCU's NSF fee) |
| Short-Term Account History/Interim Statements | $5.00 each |
| Skip a Payment | 10% of full payment per loan |
| Statement Photocopy | $3 each |
| Stop Payment (ACH/Personal Check/ Cashier’s Check) | $25 each ($5 each if done via Online Banking) |
| Wire Transfers | Incoming: $15 Outgoing: $20 each (domestic) $40 each (foreign) |
Knowledge is power. Be in the know for financial betterment.
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Our members have access to Co-Op Network Shared Branches & ATMs for all basic transaction needs.
Access branches and ATMs nationwide
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Lafayette Federal HomeAdvantage is a free member service that can help you buy, sell and save on your home.
Save $100s to $1,000s in Cash Rewards*
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Dreaming of a new ride? Let us finance your next new, used, or fuel-efficient vehicle.
Rates as low as 2.375% APR*
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