EFFECTIVE DATE:
February 2, 2012
1 Cash Advances are processed as Cash Advances. Cash Advance transactions are subject to a Cash Advance Fee which shall be the greater of $2.00 or 2% of the amount of the advance which is posted to the Account during the billing cycle, but not to exceed $25.00 per Cash Advance. Cash advances do not have a grace period, finance charges will be assessed starting the day the charge is posted to your account.
Share Certificates, Visa® & Other LAPFCU Services
Share Certificates
Penalty for Early Withdrawal
3 months - 1 year term
31 days of dividends
Terms greater than 1 year - 5 years
90 days of dividends
QuickDraw ATM (Automated Teller Machines)
QuickDraw ATM Card
$5.00 w/Share Account
FREE w/Checking Account
QuickDrawPLUS ATM/Debit Card
FREE w/Checking Account
Replacement Card
$5.00
PIN Reissue
FREE
ATM Returned Deposited Item
$15.00
Withdrawal at LAPFCU QuickDraw ATM
FREE
Withdrawal at CU Service Center ATM
FREE
Withdrawal at Other ATM (LAPFCU FEE) Fee may be imposed by other financial institution
FREE
Deposit at CO-OP ATM
FREE
Deposit Adjustment (per deposit)
$4.00
Classic VISA
Annual Fee
FREE
Transaction Fee for Cash Advances1
2.0%
Minimum $2.00
Maximum $25.00
Balance Transfer Fee
None
Late-Payment Fee
$15.00
Over-The-Credit-Limit-Fee
$15.00
Platinum Rewards VISA
Annual Fee
FREE
Transaction Fee for Cash Advances1
2.0%
Minimum $2.00
Maximum $25.00
Balance Transfer Fee
None
Late-Payment Fee
$15.00
Over-The-Credit-Limit-Fee
$15.00
Other LAPFCU Services
Notary Service
FREE
Cashier's Check
$1.00 each
Money Order
$1.00 each
American Express® Gift Card
$3.00 each
Traveler's Checks
FREE
Outgoing Wire Transfer (Domestic)
$8.00
Outgoing Wire Transfer (International)
$25.00
Incoming wire fee (Foreign and Domestic)
FREE
Account Research
$5.00 per hour
Telephone Transaction
FREE
Code 3 Transaction
FREE
PATROL Transaction
FREE
COPS on PATROL (online bill pay)
FREE
Coinstar machine (at Van Nuys branch)
FREE
Late Consumer Loan Payment
3% of payment due
