LAPFCU Schedule of Fees

Share Accounts
Share (S1) Monthly Maintenance Fee (waived if you maintain an average daily balance of at least $250 and waived if you have not reached your 24th birthday)$5.00
Merry Money Account Early Withdrawal (closure)$20.00 per account
Monthly Maintenance Fees
(if account requirements are not met):
Performance Checking (S7) (fee waived for members under age 18)$6.99*
Free Checking with Direct Deposit (S8) (fee waived for members under age 18)$4.99*
Members with e-Statements will receive an “e-Statement Credit” of $1 per month
E-Benefit Checking (S11) (fee waived for members under age 24)$2.99
Check Printing FeesAt Cost
Returned Check or Other Debit (per item)$30.00
NSF Item Paid Next Day (per item)$30.00
Returned Deposited Item (per item)$25.00
Overdraft Transfer from other accts (per transfer)$6.00
Stop Payment (per item, CODE 3 or PATROL Online Banking)$20.00
Stop Payment Order (LAPFCU Assisted)$25.00
Photocopy of Paid Check (2 free per mo.)$5.00 per copy
(Checks paid during the last 3 months, free on PATROL)
Statement Copy$5.00 per statement
(Last 12 months statements FREE on PATROL)
Overdrawn Account (per item)$30.00
Regulation D limit exceeded (per item)$25.00
Overdraft Privilege Service (ODP) Fee (per item)$30.00
Dormant account (per year)$10.00
Escheatment notice (per notice)$2.00 per account***
IRA Account Closure$20.00 per account***
Share Certificates
     Penalty for Early Withdrawal
     3 months – 1 year term31 days of dividends
     Terms greater than 1 year90 days of dividends
QuickDraw ATM (Automated Teller Machines)
QuickDraw ATM Card$10.00 w/Share Account**
FREE w/Checking Account
QuickDrawPLUS ATM/Debit CardFREE w/Checking Account
Replacement Card (per card)$10.00
Rush ATM or Debit Card Reissue$35 per card
PIN ReissueFREE
Withdrawal at LAPFCU QuickDraw ATMFREE
Withdrawal at CU Service Center ATMFREE
Withdrawal at Other ATM
(Fee may be imposed by other financial institution)
FREE
Deposit at CO-OP ATMFREE
Deposit Adjustment (per deposit)$4.00
ATM Surcharge (non-member – per use)$3.75
Classic Visa®
     Annual FeeNone
     Cash Advance Fee12.0%
Minimum $2.00
Maximum $25.00
     Balance Transfer FeeNone
     Late-Payment Fee$15.00
     Over-The-Credit-Limit-Fee$15.00
     Returned Payment FeeMaximum $25.00
     Rush Credit Card Reissue$25.00
Platinum Rewards Visa®
     Annual FeeNone
     Cash Advance Fee12.0%
Minimum $2.00
Maximum $25.00
     Balance Transfer FeeNone
     Late-Payment Fee$15.00
     Over-The-Credit-Limit-Fee$15.00
     Returned Payment FeeMaximum $25.00
     Rush Credit Card Reissue$25.00
Other LAPFCU Services
Notary Service (LAPFCU-Related)FREE
Non-LAPFCU-Related Notary Service$10.00 per occurrence
Cashier’s Check$7.50 each
Money Order$5.00 each
American Express® Gift Card$3.00 each
Traveler’s Checks$5.00 per pack
Counter/Temporary Check$2.00 per request
Non-member check cashing$10.00 per item
Outgoing Wire Transfer (Domestic)$25.00 per transfer
Outgoing Wire Transfer (International)$50.00 per transfer
Incoming Wire Transfer (Domestic)$15.00 per transfer
Incoming Wire Transfer (International)$15.00 per transfer
Account Research$50.00 per hour
Telephone TransactionFREE
Code 3 TransactionFREE
PATROL TransactionFREE
COPS on PATROL (online bill pay)FREE
COPS on PATROL – Expedited Services$4.00 ACH
$25.00 check
Coin Redemption Machine (at Van Nuys branch)5% of value
Late Consumer Loan Payment3% of payment due
Holiday Cash Pack$1.00 per pack
Returned Mail$7.50 per statement
Levy$50.00 per levy
Skip-A-Pay (excludes credit cards)$15.00 per request
Verification of Deposit or Mortgage$25.00 per verification
In house refinance fee$150
DMV processing fee$25.00

*Fees may differ for services provided if you use a Service Center location in a different region. **Waived if member also has an LAPFCU checking account. ***Account will also be closed.

In-house refinances require an increase to the loan amount of $2,500 available equity or fee of $150 applies.

1Cash 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.

All Rates and Fees are subject to change.