Rates & Fees
| Fee Category | Fee Detail |
| Share Savings | |
| Dormant/Inactive Account Fee | $5.00/month (begins at 19 months no activity) |
| Share Draft Account Fees | |
| ACH/Draft Return | $24.00 |
| Deposit Return Item | $28.00 |
| Overdraft Protection Transfer | $5.00 |
| Negative Account Fee | $5.00/da |
| Gold Checking | $7.50 |
| Stop Payment Fee | $25.00 |
| Debit Card Replacement | $10.00 |
| Non-Sufficient Funds | $24.00 |
| Rush Debit Card or ATM Card order | $75.00 |
| Excess Number of Withdrawals | (Share account only, Regulation D) |
| Share min. balance requirement not met | $5.00/monthly |
| Money Market min. balance req. not met | $10.00/monthly |
| Wire Transfer Fees | |
| Outgoing Domestic | $25.00 / $50.00 |
| Outgoing International | $50.00 |
| Incoming (includes Western Union) | $10.00 |
| IRA Fees | |
| Account Close Fee | $10.00 |
| Annual Custodial 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, minimum $5.00, max $75.00 |
| Convenience Check fee | 3% of transfer, $5.00 min. fee, $75.00 max fee |
| Foreign Transaction fee | 0.80%(single currency)/1.00%(multiple currency) |
| On Demand ACH Payment | $5.00 |
| Loan Fees | |
| Late Fee | 20% of the interest due, minimum of $10.00 |
| Credit Report | $18.00 |
| Skip Payment | $30.00 |
| Tax and Vacation Loan Doc Prep | $125.00 |
| Title Processing Fee | Varies by county (Multnomah County is$50.00) |
| GAP (Guaranteed Asset Protection) | $525.00 - $1,000.00 |
| Loan Origination Fee | "A and "A" grade - $0.00 / "B" grade - $50.00 "C" and "D" grade - $75.00 |
| "B" grade - $50.00 | |
| "C" and "D" grade - $75.00 | |
| Home Equity Line of Credit Origination Fee | 1% of Line of Credit Limit |
| Home Loan Reconveyance Fee | $200-$400 per Title Company/County |
| Mechanical Breakdown Coverage Ins. | varies by vehicle |
| Miscellaneous Fees | |
| Cash Advance Third Party Credit Card Fee | 1% of case advance amount, min. of $25 fee per occurrence |
| Third Party Debit Card Plastic Payment Fee | $10 per occurrence |
| Cashier's Check | $2.00 |
| Copy of Item/Statement | $2.50 |
| Coin Counter | 5% of total |
| ACH Origination | $2.00 per item |
| ACH Origination Same Day | $5.00 per item |
| Gift Card Purchase | $2.00 per card |
| Account Research | $25.00/hr |
| Credit or Financial Counseling Services | $25.00/hr |
| 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 per month |
| Abandoned Account / Escheatment | $25.00 |
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