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 May 9, 2022
| Fee Type | Fee Details |
|---|---|
| Account Closure | $25 if closed within 6 months of account opening |
| Account Research | $25 per hour (or fraction thereof) |
| Account Verification | $20 each |
| ACH Loan Payment/Transfer via Member Representative | $25 |
| ACH Stop Payment | $25 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 Deposit Return | $25 each |
| Check Photocopy | $2 each; free if member retrieves via Online Banking |
| Courtesy Pay Privilege Overdraft Fee | $30 each occurrence |
| Credit Card Late Payment | $25 per month |
| Debit Card Replacement Excessive (more than 2 per calendar year) Instant Issue (in person at a participating branch) | $10 each $10 each |
| Debit Card Transaction Limits ATM Withdrawals Debit POS (PIN) Credit Purchase (Swipe of Chip) | $1,000.00 and 10 transactions within a 24-hour period $1,000.00 and 20 transactions within a 24-hour period $10,000.00 and 20 transactions within a 24-hour period |
| Dormant Account Fee | $20 per month |
| Excessive Money Market Withdrawals | $20 |
| Excessive Preferred Savings Account Withdrawals | 6 free per calendar quarter; $10 each additional |
| Excessive Premier Savings Account Withdrawals | 6 free per calendar quarter; $100 each additional |
| 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 |
| Non-Member Check Cashing | $10 per check |
| NSF or ACH Item Return (Check, ACH, ATM overdraft) | $30 each time presented, to include retries of the same item |
| Online Banking Checks | $5 each |
| Online Bill Pay | $5 per month |
| Overnight Mail Delivery | $18 each |
| Returned Bill Pay Item | Bill Pay provider charges a $25 fee for overdrafts (this fee is in addition to LFCU's NSF fee) |
| Share Savings Withdrawals | 4 free each month, $1 each additional |
| Short-Term Account History/Interim Statements | $5 each |
| Skip a Payment | 10% of full payment per loan |
| Statement Photocopy | $3 each |
| Stop Payment (Personal Check/Cashier’s Check) | $25 each |
| Wire Transfers | Incoming: $15 Outgoing: $25 each (domestic) $40 each (foreign) |
Knowledge is power. Be in the know for financial betterment.
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Enjoy our 2.02% APY³ Checking — a premium rate over 65 times higher than the national average¹
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Our members have access to Co-Op Network Shared Branches & ATMs for all basic transaction needs.
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