Rates & Fees
| Share and Share Draft Fees | ||
| Fee Category | Fee Detail | Fee Amount |
| Negative Account Fee | $5.00/daily | |
| Inactive Account Fee | (After 18 months of inactivity) | $5.00/monthly |
| Overdraft Protection Transfer | Automatic | $5.00 |
| Deposit Return Item | $28.00 | |
| Stop Payment Fee | Valid for 6 months | $25.00 |
| Non-Sufficient Funds | $24.00 | |
| ACH/Draft Return | $24.00 | |
| Gold Checking | $7.50/monthly | |
| Rush Debit Card or ATM Card order | $75.00 | |
| Excess Number of Withdrawals | (Share account only, Regulation D) | $2 per occurence/after 6th withdrawal mo. |
| Share min. balance requirement not met | $5.00/monthly | |
| Money Market min. balance req. not met | $10.00/monthly | |
| Debit Card Replacement | $10.00 | |
| Wire Transfer Fees | ||
| Outgoing Domestic / International | $25.00 / $50.00 | |
| Incoming (includes Western Union) | $10.00 | |
| IRA Fees | ||
| Annual Custodial Fee | $10.00 | |
| Account Close Fee | $10.00 | |
| Portland Local 8 FCU VISA Credit Card Fees | ||
| Over limit fee | $25.00 | |
| Card Replacement (lost) | $10.00 | |
| Rush Replacement | $75.00 | |
| Late Payment | $25.00 | |
| Returned Payment | (NSF or account closed) | $25.00 |
| Cash Advance | $5.00 | |
| Statement reprint fee | $10.00 | |
| Sales Draft copy | $10.00 | |
| Balance Transfer | 3% of transfer | $5.00 min. fee, $75.00 max. fee |
| Convenience Check fee | 3% of transfer | $5.00 min. fee, $75.00 max fee |
| Foreign Transaction fee | (for single and multiple currencies) | 1.00% |
| On Demand ACH Payment | $5.00 | |
| Loan Fees | ||
| Credit Report | $18.00 | |
| Skip Payment | $30.00 | |
| Title Processing Fee | $50.00 | |
| GAP (Guaranteed Asset Protection) | $525.00-$725.00 | |
| Mechanical Breakdown Coverage Ins. | (varies on vehicle) | |
| Loan Origination Fee | (based on credit tier | $0 - $125 |
| Home Equity Line of Credit Origination | 1% of Line of Credit Limit | |
| Home Loan Reconveyance Fee | $200-$400 per Title Company/County | |
| Miscellaneous Fees | ||
| Cashier's Check | (waived for Gold Checking and seniors) | $2.00 |
| Copy of Item/Statement | $2.50 | |
| Coin Counter | (waived for Gold Checking and seniors) | 5% of total |
| Account Research | $25.00/hour | |
| Legal Processing | (garnishments/tax levies/etc.) | $15.00 |
| Collection Item Processing | $8.50 | |
| Foreign Item Processing | $5.00 | |
| Check Cashing (Non-Members) | $10.00 | |
| Invalid Address | $5.00 / Month | |
| Abandoned Account / Escheatment | $25.00 | |
| Cash Advance Third Party Credit Card Fee | 1% of cash advance amount, min. $25 | |
| Third Party Debit Card Plastic Payment Fee | $10.00 per occurrence | |
| Gift Card Purchase | $2.00 per card | |
| ACH Origination | $2.00 per item | |
| ACH Origination Same Day | $5.00 per item | |
| Credit or Financial Counseling Services | $25.00 per hour | |
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