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Schedule of Fees & Service Charges

Effective: November 1, 2009

    Share Savings Accounts

    Minimum Balance . . . . . . . . . . . . . . $1.00 
Monthly Fee . . . . . . . . . . . . . . . . .  $0 
Inactive Fee (after 2 yrs & under $100) .  $4./mo 
Negative Balance Fee . . . . . . . . . . . . . $0 
Return of a Deposited Item . . . . . . . $12.00ea

    Share Draft/Checking

    Monthly Fee . . . . . . . . . . . . . . . . .  $0 
Minimum Balance . . . . . . . . . . . . . . .  $0
Per Check Fee . . . . . . . . . . . . . . . .  $0
Stop Payment- Check, ACH/Bill Payer . .  $20.00ea
Return of a Draft/ACH Transaction . . .  $25.00ea
Return of a Deposited Item . . . . . . . $12.00ea 
 Copy of Paid Draft: (In Branch) . . . . . $3ea 
Certified Draft . . . . . . . . . . . . . $2.00ea
 Share Draft Orders . . . Prices vary by design
Temporary Drafts (10) . . . . . . . . . . .  FREE
Overdraft Transfer from Savings / Money Market. . 
    . . . . . . . . . . . . . . . . . . . . . $5.00ea

    Educated Choice Discounts Educated Choice Discounts

  • Maintain a minimum monthly combined balance of $2,500 or more in any combination of deposit accounts and you can enroll in this special benefits package.

Account Benefits

Combined Monthly Minimum Balance

Gold

$2,500

Platinum

$5,000
Consumer Loan Rate Discount .25% .50%
VISA Credit Card Rate Discount .24% .48%
Mortgage Closing Cost Discount $100 $200
Share Draft Orders (Basic Design) At Cost FREE
Overdraft Transfer Fee $5 FREE
Availability on Check Deposited N/A Immediate,
up to $1,000
VISA Gift Card Fee (in Branch) 10 FREE
per year 		10 FREE
per year
Non-TFCU ATM Surcharge Rebate** N/A up to $5/month
TFCU Fee for Off-Site ATM Transactions FREE FREE
Travelers Checks, Money Orders, Official Checks, Bond Coupon Redemption, Account Transcripts at Branch FREE FREE
Copy of Paid Draft and/or Domestic Wire Transfer 3 each/year - FREE 6 each/year - FREE
Below Minimum Average Balance Monthly Fee - charged only if your balance falls below the designated level $8 $10

    VISA Credit Cards

    Annual Fee . . . . . . . . . . . . . . . . . . $0
Cash Advance . . . . . . . . . . . . . . . . . 2%
Late Payment Fee . . . . . . . . . . . . . $18.00
Over Limit Fee . . . . . . . . . . . . . . . . $0
Card Replacement Fee . . . . . . . . . . .  $5 ea

    Business Accounts

    Business Checking 
   Monthly fee (combined account balance >= 
     $5,000) . . . . . . . . . . . . . . . . . $0 
   Monthly fee (balance below $5,000) . . . . $10 
   Transaction fees (combined credits & debits 
     in excess of 100) . . . . . . . . .  $0.15ea 
   Currency handling (outgoing) . . 1% of Request 
Stop Payment—Share Draft, ACH/Bill Payer .  $20ea 
Return of a Draft/ACH Transaction . . . . . $25ea
Return of a Deposited Item . . . . . . . .  $12ea
Copy of Paid Draft: (In Branch) . . . . . .  $3ea
Certified Draft . . . . . . . . . . . . . .  $2ea
Share Draft Orders . . . . . . . . .  Prices vary
Temporary Drafts (10) . . . . . . . . . . .  FREE
Overdraft Transfer from Savings / Money Market. . 
    . . . . . . . . . . . . . . . . . . . . . $5.00ea

    Certificate Accounts

    Minimum Opening Deposit . . . . . . . . $1,000.00 
Maintenance Fee . . . . . . . . . . . . . . .  $0 
Early Withdrawal Penalties . .  (depends on term)

    Individual Retirement Accounts

    Maintenance Fee . . . . . . . . . . . . . . .  $0 
Outgoing Transfers and Rollovers . . . . . . FREE 
Withdrawal Penalties . .  Incurred before age 59½

    Money Market Accounts

    Minimum Opening Deposit . . . . . . . . $2,500.00 
Under $500 Balance Fee . . . . . . . . . $5.00/mo 
More than 6 Drafts Cleared Per Month . . $10.00ea

    Mortgage Loans

    Application Fee . . . . . . . . . . . . . $425.00 
Late Payment Fee . . .  4% of princ & int payment 
 Closing Costs . . . . Based on amount borrowed 
Mortgage Satisfaction Fee . . . . . . . .  $30.00

    Electronic Services

    Telephone Banking (CATT) . . . . . . . . . . FREE 
Online Account Access . .  . . . . . . . . . FREE 
Online Bill Payment . . . . . . . . . . . .  FREE 
Online Bill Payment Stop Payment Request .  $20ea  
ATM/Check Card Issuance . . . . . . . . . .  FREE 
Check Card Daily Purchase Maximum . . . .  $2,500
TFCU ATM Usage . . . . . . . . . . . . . . . FREE 
 Non-TFCU ATM Usage* . . . .  $1.00/transaction 
Non-Member ATM Fee . . . . . .  $1.75/transaction
ATM/Check Card Daily Cash Wthdrwl Limit*** . $500
Replacement of ATM/Check/Gift Card . . . . . $5ea 
Reprogram ATM/Check Card PIN . . . . . . . . FREE 
Direct Deposit . . . . . . . . . . . . . . . FREE 
Domestic Wire Transfer (Outgoing) . . . . . $12ea 
Wire Transfer (Incoming) . . . . . . . . . . FREE 
Stop Payment of Automatic Transfer (ACH) .  $20ea

    Convenience Services

     Money Orders .  . . . . . . . . . . . $1.25ea
 Visa Gift Card
    In-Branch Purchase . . . . . . $4.00 Per Card
    Online Purchase  . . . . . . . $5.00 Per Card
 American Express Travelers Cheques .  50¢/$100
American Express Gift Cheques . . . . . . .  $2ea
 Official Check - Third Party . . . . . .  $3ea 
 Bond Coupon Redemption . . . .  $4.00/Envelope
Foreign Collection Item . . . . . . . . . . $22ea
  • Educated Choice Discount available
  • * Surcharges may be imposed by non-TFCU ATM owners.
  • ** Platinum Members will receive a rebate of foreign (non-TFCU) ATM surcharge fees up to a maximum of $5 per calendar month
  • *** Visa imposes a 1.25% currency conversion fee for multi-currency international transactions and a 0.80% currency conversion fee for single-currency international transactions when the acquirer and issuer country codes are different. This applies to Visa Credit and Debit cards. This does not apply to US cards used at terminals in the US or its territories.


    Miscellaneous Charges

    Signature Guarantee Service . . . . . . . .  FREE
Notary Public . . . . . . . . . . . .  . . . FREE
Research (Per Hour) . . . . . . . . . . .  $10.00
Legal Document Processing . .  . . . . . . $50.00
Copy of Statement: (In Branch) . . . . .  $3.00ea
FAX Service . . . . . . . . . . .  Nominal Charge
Break Open of Safe Deposit Box . . . . .  $150.00
Safe Deposit Box Replacement Key . . . . .  $6.00
Safe Deposit Boxes . . . . . . . . . . . . . . .  
 (Bay Shore, Farmingville, Holbrook, Port Jeff 
  Station, Rocky Point & Smithtown only).
  
  Please call for availability and rental fees.

  • All rates and terms are subject to change without notice.