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Rates & Fees

Effective as of: 05/02/2022
Share and Share Draft Fees
Fee CategoryFee DetailFee Amount
Negative Account Fee$5.00/daily
Inactive Account Fee(After 18 months of inactivity)$5.00/monthly
Overdraft Protection TransferAutomatic$5.00
Deposit Return Item$28.00
Stop Payment FeeValid 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 Transfer3% of transfer$5.00 min. fee, $75.00 max. fee
Convenience Check fee3% 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 Fee1% 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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