Affinity Federal Credit Union
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Schedule
of Fees

Effective October 2006 Subject to Change

Card Service Fees
(ATM, Affinity One, Visa Classic, Visa Gold, MasterCard Standard, MasterCard Gold)
Additional Cards: $5.00
Photocopy Fee (sales receipt): $15.00
Late Charge: $25.00
Over Credit Limit: $25.00
Account Investigation: $20.00 per hour
Non-Proprietary ATM's (owned by other institutions)  
  Inquiries, Withdrawals and Transfers in excess of (8) transactions per Month: $1.50 each
Overdrawn Account: $25.00
Return Item: $25.00
 
Delivery Fees
Express Rush ATM/Credit/Debit Cards: $7.00
Express Rush Copy/Original Check: $7.00
Saturday Delivery $12.00
 
Account Service Fees
(Checking, Money Manager)
Overdrafts/Return Items: $25.00 per item
Original Check Copy: $7.00
Microfilm Copy of Check: $5.00
Temporary Checks: $3.00 (12 per pack)
Account Investigation: $20.00 per hour
Stop Payments: $10.00 per single check
ACH Stop Pay Fee: $10.00
ACH Return Item (NSF): $25.00
ACH Manual Payroll Processing: $25.00
Conversion Number Change (lost/stolen checks): $15.00
Certified Personal Check: $5.00
Money Manager  
  Return Item (If average monthly balance falls below $1,000 min.): $25.00
  Account Balance (If average monthly balance falls below $1,000 min.): $10.00
  Check paid in excess of 3 per month: $25.00 per check
 
Miscellaneous
Copy of Statement: $3.00 per page
Account Print Out: $3.00
Money Order: $3.00
Money Order Copy or Refund: $12.00
Cashier's Checks (in excess of 3 per month): $5.00
Third Party Cashier's Checks (without an active checking account): $5.00
Dormant Account Fee (after 2 years of no activity): $3.00 per mo.
Coin Processing Fee (unwrapped):
  Less than $10.00: N/C
  $10 - $500: $5.00
  Greater than $500: $10.00
Outgoing Wire Transfer
  Domestic: $20.00
  International: $40.00
  Foreign Item Collection (plus possible additional processing fee from foreign bank): $5.00
Levy Processing: $60.00
 
Mortgage
Fees quoted are for single-family, conventional homes in New Jersey. Fees pertaining to other dwellings and/or states may be different. Please call for current fees.
Bridge Loan Application Fee:1 $250.00
1st Mortgage Application Fee: $295.00 Fee waived
1st Mortgage Appraisal Fee:2 $225.00 - 375.00 (Average $300.00)
Recertification of Value: $75.00 - 125.00
Final Inspection: $75.00 - 125.00
1st Mortgage Attorney Review: $175.00
Real Estate Amortization Schedule: $15.00
Life of Loan Flood Determination: $11.00
Credit Report (individual): $11.50
Credit Report (joint): $23.00
Overnight Courier: $25.00

 

  1 Fee is waived if financing for home being purchased is provided by Affinity.
2 Fees may be higher for one of the following reasons: loans over $322,700, two to four family residences or unusual homes. Loans over $650,000 may require 2 appraisals.

 

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Your savings Federally insured to at least $250,000 and backed by
the full faith and credit of the United States Government. National
Credit Union Administration, a US Government Agency.