Rates / Fee Schedule
Smart rates. Simple fees. Made for members like you.
As a not-for-profit credit union, every rate and fee we set is designed to give back to our members. Check out what we offer - you’ll see the difference right away.
Anchor: auto-loan
Ask about our relationship pricing! You could qualify for an even lower auto loan rate.
APY = Annual Percentage Yield.
Sunsetted Products - (No Longer Available as a New Product)
Effective February 28, 2025
Bill Pay
| Fee Type | Fee |
|---|---|
| Account to Account Transfers (Fee disclosed prior to sending funds.) | Varies |
| Person to Person Transfers (Fee disclosed prior to sending funds.) | Varies |
Cards
| Fee Type | Fee |
|---|---|
| Card payment by phone | $5.00 Per Transaction |
| CO-OP ATM Withdrawals (Fees may be assessed by ATM owner, not WCU.) | $0.00 Per Withdrawal |
| Gift Cards (Other card fees apply and disclosed with purchase) | $4.00 Per Card |
| Non-CO-OP ATM withdrawals | $2.50 Per Withdrawal |
| Replacement Card Fee | $10.00 Per Card |
| Visa Card Rush Replacement | $50.00 Per Card |
Checking Account
| Fee Type | Fee |
|---|---|
| Simply Free Checking Account | Free |
| 50+ Interest Checking Account (Age 50 and over) | Free |
| Easy Interest Checking Account | Free |
| High Interest Checking Account (If balance falls below $1,500) | $6.00 Monthly |
Check/Draft
| Fee Type | Fee |
|---|---|
| Cashier's Check | $5.00 Per Check |
| Check Orders | Varies |
| Temporary Checks | $4.00 Per Sheet |
Copies
| Fee Type | Fee |
|---|---|
| Check Copy from Deposit | $5.00 Per Item |
| Check/Draft Copy | $5.00 Per Copy |
| Credit Card Statement Copy | $5.00 Per Copy |
| History Copy | $5.00 Per Copy |
| Photocopy | $1.00 Per Page |
| Monthly Statement | $3.00 Per Copy |
Overdraft
| Fee Type | Fee |
|---|---|
| Overdraft/NSF Fee | $35.00 Per Overdraft |
| Overdraft Transfer | Free |
Safe Deposit Boxes
| Fee Type | Fee |
|---|---|
| 3" x 5" Box | $35.00 Annually |
| 3" x 10" Box | $60.00 Annually |
| 5" x 10" Box | $70.00 Annually |
| 10" x 10" | $100.00 Annually |
| Drilling of Box | $300.00 Per Drill |
| Key Deposit | $20.00 Per Box |
| Lost Key Replacement | $30.00 Per Key |
Services
| Fee Type | Fee |
|---|---|
| Account Closure (w/in 90 days) | $15.00 Per Account |
| Account Research/Balancing/Bill Pay (min. 1 hr) | $50.00 Per Hour |
| CarFax | $20.00 Per Item |
| Collection (Domestic/Foreign) | $50.00 Per Collection |
| Consumer Loan Interest Rate Modification | $75.00 Per Modification |
| Deposit Adjustment (ATM, RDC, etc.) | $5.00 Per Item |
| Deposit Adjustment at non-WCU location | $10.00 Per Item |
| Dormant Account (12 Months Inactivity) | $10.00 Monthly |
| Fax Transmission (Incoming/Outgoing) | $1.00 Per Page |
| Fax Transmission Foreign | $5.00 Per Page |
| Foreign Currency | $7.00 Per Order |
| Foreign Currency Next Day Delivery | $17.00 Per Order |
| Foreign Currency Overnight Delivery | $20.00 Per Order |
| Holiday Club Early Withdrawal | $2.00 Per Withdrawal |
| IRA/HSA Account Closure (External transfer) | $30.00 Per Closure |
| IRA/HSA Account Closure (w/in 180 days) | $25.00 Per Closure |
| Legal Process Fee (Garnishment/Levy) | $150.00 Per Item |
| Home Equity Line of Credit Annual Fee | $75.00 Annually |
| Home Equity or Personal Line of Credit Over the Limit Fee | $25.00 Per Item |
| Low Balance Fee (Single service accounts < $300 during the month. Applies to estate and trust accounts. Does not apply to personal accounts owned by individuals age 17 and under, or 65 and older.) | $5.00 Per Month |
| Mortgage Verification/Payoff Statement | $30.00 Per Request |
| Returned Deposited Check | $15.00 Per Check |
| Returned Deposited Check by Account Owner | $30.00 Per Check |
| Returned/Dishonored ACH | $30.00 Per Item |
| Rush Title | $50.00 Per Item |
| Skip-A-Payment | $40.00 Per Skip |
| Stop Payment (includes ACH, Bill Pay) | $10.00 Per Item |
| Subordination Agreement | $250.00 Per Item |
| Undeliverable Mail Fee | $10.00 Per Item |
Wires
| Fee Type | Fee |
|---|---|
| US Wire (Incoming/Outgoing) | $20.00 Per Wire |
| International Wire (Incoming/Outgoing) | $55.00 Per Wire |
| International Wire Research or Tracking | $55.00 Per Item |
| International Wire Contract Cancelation | $55.00 Per Item |
Effective Date: September 1, 2025.
APY = Annual Percentage Yield.
