At SF Fire Credit Union we work hard to provide relevant products at rates that are fair with low-to-no fees.

Fee Schedule

Membership Fee

Fee Description Amount
Membership (non-refundable) $5.00

ATM & Debit Fees

Fee Description Amount
Use of SF Fire Credit Union ATMs No Fee
Use of CO-OP Network ATMs No Fee and No ATM Surcharges
ATM Surcharge Rebates (Effective June 1st, 2018) Up to 12 Per Month, Up to $4 Per Rebate
Use of ‘Out-of-Network’ ATMs (Effective June 1st, 2018) No Fee and Up to 12 Surcharge Rebates Per Month
Point of Sale (POS) Transactions & Cash-Back at Retailers No Fee
Foreign Currency Exchange No Fee
Replacement Card $5.00
Copy of Debit Card Transaction Slip $5.00
ATM Deposit Adjustment Fee $10.00

Checking Fees

Fee Description Amount
Checking Account No Monthly Fee
Check Orders Price Varies Based on Style
Check Orders (Age 55 and Older) Free (Basic Style)
Temporary Checks (set of 12) $2.00

Non-Sufficient Funds (NSF) Fees

Fee Description Amount
Returned ACH Item $25.00
Returned Check Item $25.00
Paid NSF ACH Item $25.00
Paid NSF Check Item $25.00
Paid NSF Debit Card Transaction (Opt-In Required) $25.00

Stop Payment Fees

Fee Description Amount
Check $15.00 (Effective March 1st, 2017)
ACH Payment $15.00
Official Check Replacement $15.00
Stop Pay or Replacement Cancellation $15.00

Returned Item Fees

Fee Description Amount
Check Deposits $10.00
Electronic Transfers (ACH) $10.00
Loan Payments $10.00

Wire Transfer Fees

Fee Description Amount
Domestic $15.00
International $60.00
Wire Amendment Fee $25.00

General Fees

Fee Description Amount
Account Research/Reconciliation $25.00 per hour
Official Check No Fee
Collection Item/Foreign Item $15.00 + Cost
Express Mail/Rush/Overnight Fee (Domestic) $15.00
Express Mail/Rush/Overnight Fee (International) Price Based on Destination
Inactive Account Fee (After one year of inactivity, if the aggregate deposit balance is $500 or less) $3.00 per month
IRS Levy/Withholding/Judgement/Legal Order Processing $50.00 per notice
Money Order No Fee
Notary Service (Members) No Fee
Notary Service (Non-Members) $10.00 per signature
Signature Guarantee (Medallion Stamp) No Fee

Term Certificates

Fee Description Amount
Withdrawal Term less than 1 year 45-Days Dividends
Withdrawal Term of 1 Year or Greater 180-Days Dividends (Effective on March 1st, 2017)


Fee Description Amount
Health Savings Account (HSA) $2.00 Monthly Fee (Effective March 1st, 2017)
Replacement HSA Debit Card $5.00
Individual Retirement Account (IRA) No Monthly Fee

Credit Card Fees

Fee Description Amount
Cash Advance No Fee
Balance Transfer No Fee
Foreign Currency Exchange No Fee
Late Payment $15.00
Over Credit Limit No Fee
Copy of Credit Card Transaction Slip $5.00
Authorized User Card $5.00
Replacement Card $5.00

Real Estate Fees

Fee Description Amount
Related Charges For a complete list of charges, please contact the SF Fire Credit Union Real Estate Lending Department by calling 1 (888) 499-FIRE (3473)

Fee Schedule – Personal - PDF