Savings Rates & Fees

For our current dividend rates or current loan rates, please contact APFCU at 336-349-2729 or  336-855-3553.

Updated:  05/21/13

Savings Account

Membership Fee (one-time fee) $5.00   
Membership Share $5.00 minimum in savings account to remain a member


Savings Account Fees

Regular Savings Monthly Excessive Withdrawal Fee 3 free per month, $10.00 thereafter                      
Money Market Excessive Check Writing Fee 6 free per month, $10.00 thereafter


Checking Account Fees

$31.00 per item
Returned Item Fee
$10.00 per item
Stop Payment Fee
$29.00 per request
Check Printing Fee $3.00 per item
Copy of Paid Check Fee $5.00 per item
Faxed Copy of Paid Check Fee $5.00 per item
Account Activity Printout Fee $2.00
Replace ATM/ Debit Card $5.00 per card
Change or Reminder of PIN Number for ATM/  Debit Card Fee $2.00 per item
ACH Origination Returns Item Fee $10.00 per item (Debit/ Credit)
Courtesy Pay* $29.00 per item (Overdraft fees may be imposed   in connection with checks, in-persons withdrawals, ATM withdrawals or by other electronic means.)
Monthly Maintenance Fee $1.00

 *Payment by the credit union is a discretionary courtesy and not a right of the member or an obligation of the credit union.  This privilege for consumer share draft accounts will be limited to a maximum dollar amount depending on the share draft account type.  Transaction types that are eligible for Courtesy pay included and are limited to:  ACH transactions, drafts, and transactions at the teller counter.  You must bring your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours.  The credit union, in its discretion, can cancel this protection and cease paying overdrafts at any time without prior notice of reason or cause.

Other Service Fees (applicable to all accounts)

Check Cashing Fee for Non-Members $3.00
Wire Transfer Fees Incoming/Outgoing $10.00
Statement Copy Fee $2.00 per copy
Deposited Item Return Fee $10.00 per item
Certified Check Fee $1.50 per check
Money Order Fee $1.50 per money order
Account Closure Fee $20.00 if closed within ninety (90) days
Visa Credit Card/ Loan Late Fee $10.00
International Wire Charge Wiring fees will apply
International Collections Fee Service fees will apply
A fee of 1 percent of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash advances, and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates.  
Collection Item $10.00
Dormant Account Fee $3.00 per month (Fee(s) will apply on accounts after 2 years of dormancy with balances of less than $100.)
Tax Levy Filing Fee $40.00 per Levy
Closed IRA Fee $5.00
Research Fee $20.00/hour
Member Re-Establish Fee $20.00
Christmas Club (Early Closure) $5.00


Electronic Funds Transfer Fees

ATM Transaction Fees $1.00 per Transaction
(Withdrawals, Transfers, Transaction/Inquiry, Inquiries, NSF, Invalid PIN, etc.)


Safe Deposit Box Fees

Annual Rentals
Box Size  
3x5  $12.00
3x10  $24.00
Drilling of Box Fee  $75.00+
Lost Key Fee  $60.00


Online Services

C.U. Online Fees
Homebanking  FREE
Billpay  FREE