{"id":66,"date":"2022-11-11T12:20:06","date_gmt":"2022-11-11T12:20:06","guid":{"rendered":"https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/fees-disclosures\/"},"modified":"2026-03-31T19:33:16","modified_gmt":"2026-03-31T19:33:16","slug":"fees-disclosures","status":"publish","type":"page","link":"https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/applications-forms-disclosures\/fees-disclosures\/","title":{"rendered":"Fees & Disclosures"},"content":{"rendered":"\n


Fee Schedule Effective April 1, 2026
<\/strong><\/p>\n\n\n\n

\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
ATM \/VISA DEBIT CARD<\/th> <\/th>\n<\/tr>\n<\/thead>\n
Automatic transfers from shares <\/td>$2.00<\/td>\n<\/tr>\n
Card or PIN replacement<\/td>$10.00<\/td>\n<\/tr>\n
Overdraft<\/td>$28.00<\/td>\n<\/tr>\n
Checking members<\/td><\/td>\n<\/tr>\n
More than 10 network, monthly transactions<\/td>$1.00<\/td>\n<\/tr>\n
Monticello Society Members<\/td><\/td>\n<\/tr>\n
More than 20 network, monthly transactions<\/td>$1.00<\/td>\n<\/tr>\n
Non-Checking Members<\/td><\/td>\n<\/tr>\n
All foreign network transactions<\/td>$1.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
<\/strong><\/p>\n\n\n\n

<\/p>\n\n\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
CHECKING Share Draft<\/th> <\/th>\n<\/tr>\n<\/thead>\n
Automatic Transfers from Shares<\/td>$2.00<\/td>\n<\/tr>\n
Certified Drafts<\/td>$10.00<\/td>\n<\/tr>\n
Check Copies, archived
\n<\/td>		$5.00<\/td>\n<\/tr>\n
Check Printing <\/td>Varies by check style<\/td>\n<\/tr>\n
Check, Temporary (4 checks per sheet) <\/td>$1.00<\/td>\n<\/tr>\n
Insufficient Check Funds (each)<\/td>$28.00<\/td>\n<\/tr>\n
Individual Stop Payments<\/td>$28.00<\/td>\n<\/tr>\n
Member Privilege Fee<\/td>$28.00<\/td>\n<\/tr>\n
Range of Stop Payments<\/td>$28.00<\/td>\n<\/tr>\n
Re-Open Checking Account after forced close<\/td>$25.00<\/td>\n<\/tr>\n
Uncollected Funds<\/td>$28.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n

<\/p>\n\n\n\n\n\n\n\t\n\n\t
ONLINE BANKING<\/th> <\/th>\n<\/tr>\n<\/thead>\n
Online Bill Pay Monthly, non-use fee<\/td>$3.95<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n

<\/p>\n\n\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t
LOANS<\/th> <\/th>\n<\/tr>\n<\/thead>\n
Re-Application Fee (if denied twice in two months)<\/td>$25.00<\/td>\n<\/tr>\n
Share Secured Loan Applications<\/td>$10.00<\/td>\n<\/tr>\n
Duplicate Security Interest Filing<\/td>$10.00<\/td>\n<\/tr>\n
Skip-a-Payment<\/td>$25.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n


<\/strong><\/p>\n\n\n\n\n\n\n\n\t\n\n\t\n\t\n\t
MEMBERSHIP<\/th> <\/th>\n<\/tr>\n<\/thead>\n
Membership Fee- One-time<\/td>$5.00<\/td>\n<\/tr>\n
Account closing within 6 months of opening<\/td>$15.00<\/td>\n<\/tr>\n
Accounts closed for transfer of funds to another institution<\/td>$15.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n


<\/strong>\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t
MONEY MARKET SHARE ACCOUNT<\/th> <\/th>\n<\/tr>\n<\/thead>\n
Check Copies, archived<\/td>$5.00<\/td>\n<\/tr>\n
Insufficient Check Funds<\/td>$28.00<\/td>\n<\/tr>\n
Individual Stop Payments<\/td>$28.00<\/td>\n<\/tr>\n
Range of Stop Payments<\/td>$28.00<\/td>\n<\/tr>\n
Uncollected Funds<\/td>$28.00<\/td>\n<\/tr>\n
Withdrawals after six per month<\/td>$5.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n\n\n\n

\n\n\n\n\t\n\n\t\n\t\n\t\n\t
MORTGAGES<\/th> <\/th>\n<\/tr>\n<\/thead>\n
Duplicate Certificate of Satisfaction<\/td>$15.00<\/td>\n<\/tr>\n
First Mortgage Rate Modification<\/td>1% of Bal with no Cap<\/td>\n<\/tr>\n
Subordination Agreement<\/td>$200.00<\/td>\n<\/tr>\n
Written Mortgage Payoff<\/td>$25.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n\n\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
OTHER SERVICES<\/th> <\/th>\n<\/tr>\n<\/thead>\n
Account Research (hourly)<\/td>$20.00<\/td>\n<\/tr>\n
Account Transaction Printout<\/td>$3.00<\/td>\n<\/tr>\n
Account Verification<\/td>$5.00<\/td>\n<\/tr>\n
Archive Copy - Per Document<\/td>$5.00<\/td>\n<\/tr>\n
Deposit Item Returned<\/td>$30.00<\/td>\n<\/tr>\n
Dormant Accounts (quarterly)<\/td>$10.00<\/td>\n<\/tr>\n
Duplicate Statements, archived<\/td>$5.00<\/td>\n<\/tr>\n
Escheatment Processing<\/td>$50.00<\/td>\n<\/tr>\n
Foreign Check Collections (US & Non-US Dollars) Up to $2,500<\/td>$25.00<\/td>\n<\/tr>\n
Foreign Check Collections (US & Non-US Dollars) Over $2,500<\/td>$75.00<\/td>\n<\/tr>\n
Holiday Early Withdrawal<\/td>$10.00<\/td>\n<\/tr>\n
IRA Transfer\/Termination to Other Institutions<\/td>$30.00<\/td>\n<\/tr>\n
Legal Processing - Tax Levy & Garnishment<\/td>$75.00<\/td>\n<\/tr>\n
Money Orders<\/td>$2.00<\/td>\n<\/tr>\n
Notary Public (non-member)<\/td>$2.00<\/td>\n<\/tr>\n
Organizational Cash ordering<\/td>$25.00<\/td>\n<\/tr>\n
Paper Statement Fee<\/td>$1.00<\/td>\n<\/tr>\n
Re-deposit Items<\/td>$5.00<\/td>\n<\/tr>\n
Return Mail Fee<\/td>$5.00<\/td>\n<\/tr>\n
Returned ACH Item<\/td>$28.00<\/td>\n<\/tr>\n
Share Withdrawal by CU Check to Third Party<\/td>$5.00<\/td>\n<\/tr>\n
Stop Payment - CU Check<\/td>$28.00<\/td>\n<\/tr>\n
VISA Gift Cards In-Branch ($25-$1,000)<\/td>$2.95<\/td>\n<\/tr>\n
VISA Gift Cards Online at lcfcu.org ($25-$250)<\/td>$5.95<\/td>\n<\/tr>\n
VISA Gift Cards Online at lcfcu.org ($251-$500)<\/td>$7.95<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n

<\/p>\n\n\n\n\n\n\n\t\n\n\t
VISA CREDIT CARD<\/th> <\/th>\n<\/tr>\n<\/thead>\n
Late Payment<\/td>$25.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n

<\/p>\n\n\n\n\n\n\n\t\n\n\t\n\t\n\t
WIRE TRANSFER<\/th> <\/th>\n<\/tr>\n<\/thead>\n
Outgoing Domestic<\/td>$20.00<\/td>\n<\/tr>\n
Outgoing Foreign (US Dollars)<\/td>$55.00<\/td>\n<\/tr>\n
Outgoing Foreign (Non-US Dollars)<\/td>$85.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n

<\/p>\n\n\n\n

Disclosures<\/h2>\n\n\n\n


Member Account Disclosure<\/a>
<\/strong>Electronic Funds Transfer and Point of Sale Disclosure<\/a>
Home Equity Early Disclosure<\/a>
Member Privilege Overdraft Policy<\/a>
Privacy Policy<\/a>
Web Accessibility Policy <\/a><\/strong><\/p>\n\n\n\n

NCUA Share Insurance Booklet<\/a>
<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"Fee Schedule Effective April 1, 2026 Disclosures Member Account DisclosureElectronic Funds Transfer and Point of Sale Disclosure Home Equity Early DisclosureMember Privilege Overdraft PolicyPrivacy PolicyWeb Accessibility Policy NCUA Share Insurance Booklet","protected":false},"author":1,"featured_media":1359,"parent":991,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","attr_subtitle":[],"attr_date":[],"attr_excerpt":[],"attr_secondary_image":[],"footnotes":""},"class_list":["post-66","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"\nFees & Disclosures - Library Of Congress FCU<\/title>\n<meta name=\"description\" content=\"Fees and Disclosures at Library of Congress FCU\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fees & Disclosures - 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