Consumer & Busniess Fee Schedule

Why These Updates Are Important

At Kraftcor Federal Credit Union, our core mission, since 1972, has always been to serve our members and our communities. As your trusted financial partner, we are committed to providing you with secure, convenient, and modern banking services, along with the personalized support you value.

To continue delivering on this commitment and invest in the essential technologies and services that protect your finances and make banking easier, we periodically need to review and update our fee schedule.

These adjustments help us to:

• Invest in Cutting-Edge Technology: Keeping your online and mobile banking (including features like Remote Deposit Capture) seamless, secure, and always up-to-date.

• Strengthen Security Measures: Ensuring your accounts and personal data are protected against ever-evolving threats.

• Maintain Our Personalized Service: Empowering our dedicated local team to provide the one-on-one support and guidance you deserve.

• Sustain Our Member-Owned Mission: Ensuring Kraftcor FCU remains a strong and valuable resource for our members for many generations to come.

Effective June 1, 2025

Account & Service Fees

• Non-Sufficient Funds (NSF) Returns (per item)      $30.00

• Overdraft Transfer from Regular Share Account     $20.00
  (monthly - 3 free/4th transfer $20)

• Stop Payment (Check or Electronic Withdrawal)  $30.00

• Starter/Temp Checks (Page of 4)                                             $5.00

• Copy of Deposited or Cashed Check                                 $5.00

• Returned Check                                                                            $25.00

• Returned Mail/Change of Address                                        $3.00

• Paper Statement Fee                                                                      $3.00

• Statement Copy (Per Page)                                                          $2.00

• Transaction Histories (Per inquiry)                                        $1.00

• Copies of Checks (per copy)                                                      $2.00

• Wire Transfer Fee (Incoming/Outgoing)                       $30.00   

• Replacement ATM/Debit Card                                               $15.00

• Assistance in Balancing Checkbook             $10.00/Hour

• Dormant Account / Inactive Account $5.00 monthly (After 9 months of no account activity)

Loan & Credit Fees

• Late Loan Payment $25.00

• Replacement Credit Card                                    $15.00

• Loan Advance Fee                                                                       $25.00
  (<6 months after loan origination & adding <$1,000)

• Loan Origination Fee                                                                $175.00
  (Refi to lower rate within Kraftcor)         

• Credit Report Fee                                                                         $20.00

• GAP Processing Fee                                                                      $20.00

• Collateral Protection Insurance                                          $20.00
  (Processing Fee)

• Mortgage Release Fee                                                                 $46.00

• Title Lien Placement                                                                    $22.00

Miscellaneous Service Fees

• Cashier’s/Teller Check                                                                   $5.00

• Copy of Cashier’s Check                                                            $10.00

• Cash Advance Fee                                                                        $10.00

• VISA Prepaid/Gift Card                                                                 $3.00 (non-member $5)

• VISA Prepaid/Gift Card Reload                                                $2.00

• Notary Service Non-member                                                $10.00

• Transfer 1st Financial Personal Account                         $5.00