Rate and Fee Schedule

Updated February 10, 2016

Savings Account Fees

Closing Account (within 180 days)
  $25.00
Overdraft Protection (per transfer)
  $5.00
Return Item Fee
Includes Overdrawn Electronic Funds Transactions and Visa Check Card Transactions
  $29.00


Copy of Statement   $3.00

Money Market Fees

Below Minimum Balance
  $25.00
Less Than Minimum Draft Amount   $25.00
Over Three (3) Drafts Per Month   $25.00
Return Item Fee
Includes Overdrawn Electronic Funds Transactions
  $29.00

Member Privilege Fee
Includes Overdrawn Electronic Funds Transactions
  $29.00

Checking Account Fees

Return Item Fee
Includes Overdrawn Electronic Funds Transactions and Visa Check Card Transactions
  $29.00


Member Privilege Fee
Includes Overdrawn Electronic Funds Transactions and Visa Check Card Transactions

  $29.00


Manually Cleared Drafts/Checks   $2.00
Cancelled Draft Copies (same day $5.00)   $3.00
Return Check Fee
  $12.00
Business Checking (monthly) Service Fee   $10.00
Cancelled Money Order Copies   $3.00
Cancelled Credit Union Check Copies   $3.00
Deposit Zipper Bags   $5.00
Draft Covers   $2.00
Check Printing
  Price varies depending on style, Reorder checks here.

ATM/VISA Check Cards

SURF Alliance Transactions   Unlimited
All non-SURF Alliance Transactions   $1.50
Point-of-Sale Transactions   Unlimited
Card Replacement   $10.00
Return Item Fee
Includes Point of Sale and ATM Transactions
  $29.00
Draft Retrieval Fee
  $5.00
A 1% International Transaction Fee will be assessed on all transactions where the merchant country differs from the country of the card issuer.
Visa will charge 0.8% for International Transactions that do not involve currency conversions.

VISA Credit Cards

Walk-Thru (First Card)   $20.00
Walk-Thru (Each Additional)   $15.00
Late Fee
(If payment is not received within 15 days of due date)
  Equal to the minimum payment, up to $27.00
Draft Retrieval Fee   $5.00
Copy of Statement   $3.00
A 1% International Transaction Fee will be assessed on all transactions where the merchant country differs from the country of the card issuer.
Visa will charge 0.8% for International Transactions that do not involve currency conversions.

Click here to view the full Visa Credit Card Agreement.

Audio Response (L.A. Connection)

Unlimited calls per month at no charge

Bill Payer

No fee unless not used for 60 days, then fee is:   $4.95 per month

IRA (Individual Retirement Account)

Closed Account Fee
  $10.00

Early Withdrawal of Christmas/Vacation Club

Early Withdrawal Fee   $10.00

Health Savings Account

Return Item Fee
Includes Overdrawn Electronic Funds Transactions and Visa Check Card Transactions
  $29.00


Manually Cleared Drafts/Checks   $2.00
Cancelled Draft Copies (same day $5.00)   $3.00
Return Check Fee
  $12.00
Draft Covers
  $2.00
Check Printing
  Price varies depending on style

Transfers

Share to Share Transfer (per transfer)
Between a Share Account at CCU and another Credit Union affiliated with TriCorp FCU
  $10.00


Wire (Outgoing)   $20.00
Wire Foreign (Outgoing)   $40.00
Wire to Western Union   $25.00
Telephone Transfers   $3.00
Overdraft Protection (per transfer)
  $5.00

Stop Payment

Draft/Check   $25.00
Electronic Stop Payment   $25.00
Money Order   $25.00
Credit Union Check   $25.00
Bill Payer
  $25.00

Miscellaneous

Legal Processing   $30.00
Loan Payment Reversal
  $10.00
Account Histories   $3.00
Research (Copies) - Per Page   $1.00
Research - Per Hour
(In addition to cost of copies/postage)
  $20.00
Counter Checks
  $1.00 for 4
Photo Copies   $0.50
IRA Distribution Check (Mailed)   $2.00
Dividend Check (Mailed)   $2.00
Fax (Service to Members)
1st Page
Each Additional Page 

  $3.00
  $1.00
Inactive Accounts
(Accounts that have no activity for a period of 1 year)
  $3.00 per month

No Forwarding Address/Returned Mail
First Item


Any Item Thereafter  

 $3.00

  $1.00

Money Orders   $1.00
Credit Union Checks   1 free per day, per account, $1.00 thereafter
Canadian Check Exchange
(In addition to Canadian Exchange Rate Assessment)
  $25.00
Notary Service (Non-Members)   $15.00
American Express Travelers Checks

  1% of amount purchased (single signature)
  1.5% of amount purchased (two signatures)
Visa Gift Cards
  $4.95 each
ACH Payment over the phone
  $5.00 each
Plain Envelopes for Members
  $0.25 each

Disputes 

If you have a dispute with Community Credit Union regarding your deposit or share account, you may contact us at 207.783.2096 and attempt to resolve the problem directly. If we fail to resolve the problem, please communicate the problem and resolution you are seeking to:

Maine Bureau of Financial Institutions
Consumer Outreach Program
36 State House Station
Augusta, ME 04333-0036

To file a complaint electronically, you may contact the Maine Bureau of Financial Institutions at http://www.maine.gov/pfr/financialinstitutions/complaint.htm

The Maine Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim. You will be informed of the results of the investigation.