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
SF Fire Credit Union ATM No Fee
Withdrawal at any ATM No Fee (Plus surcharge rebates on first 12 ATM withdrawals per calendar month)
Point of Sale (POS) Transaction 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
Personal Check No Fee
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
Visa Gift Card $2.00
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

Certificates of Deposit

Fee Description Amount
Withdrawal Term less than 1 year 45-Days Dividends
Withdrawal Term of 1 Year or Greater 90-Days Dividends


Fee Description Amount
Health Savings Account (HSA) No Monthly Fee
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