| SAVINGS AND CHECKING ACCOUNT FEES | ||
| Account Re-opening (within 12 months of closure) | $15.00 | |
| Account Research | $25.00/hour | |
| Boomerang Rewards Checking | FREE | |
| Check Copy | $4.00 each | |
| Check Orders | Varies | |
| Checking, Business | Varies | |
| Checking, Boomerang Rewards | FREE | |
| Checking, Fresh Start | $15.00/month | |
| Checking, Hero’s | FREE | |
| Closed Account (within 12 months of opening) | $10.00 | |
| Courtesy Pay | $30.00 | |
| Foreign Check Processing | $30.00 | |
| IRA Closed Share Account (within 12 months of opening) | $30.00 | |
| Non Sufficient Funds (NSF) | $30.00 | |
| Overdraft Transfer | $3.00 | |
| Return Deposit Item | $30.00 | |
| Stop Payment Order | $30.00 | |
| Temporary Checks | $2.00/page | |
| ELECTRONIC SERVICE FEES | ||
| Online Bill Payment | FREE | |
| Account to Account Transfers - Incoming | FREE | |
| Account to Account Transfers -Outgoing | FREE | |
| Bill Pay | FREE | |
| Bill Pay Next Day Overnighted Checks | $14.95 | |
| Bill Pay Same Day Payment | FREE | |
| Bill Pay Stop Payment Fee | $30.00 | |
| Credit Union Assisted ACH or Credit Card Payment | $15.00 | |
| eStatement | FREE | |
| Returned ACH Payment | $30.00 | |
| Online ACH Payment | FREE | |
| Online Check Image | FREE | |
| Online Credit Card or Debit Card Payment | $10.00 | |
| ATM/DEBIT CARD FEES | ||
| ATM/Debit Card Replacement | $10.00 | |
| Express Delivery of ATM/Debit Card | $45.00 | |
| Foreign ATM Withdrawals/Transfers/Inquiries | $2.00 each | |
| Inquiries over 3 per month at FreeStar Financial CU | $1.00 each | |
| VISA CREDIT CARD FEES | ||
| Annual Fee | NO ANNUAL FEE | |
| Balance Transfer Fee | NO CHARGE | |
| Card Replacement | $10.00 | |
| Late Charge | $25.00 | |
| Over Limit | $30.00 | |
| Pay By Phone through VISA Customer Service | $10.00 | |
| PIN Replacement | $5.00 | |
| Return Payment | $30.00 | |
| Rush Fee | $40.00 | |
| Statement Copy Fee | $2.00 | |
| Sales Draft Copy | $5.00 | |
| CONSUMER LOAN FEES | ||
| Documentation Fee (For loans between $2,000 and $4,999.99) | $30.00 | |
| Documentation Fee (For loans $5,000 or more) | $40.00 | |
| Filing and Recording Fees | As low as $16 | |
| Late Fee | 20% of Interest Due or $25 (whichever is greater) | |
|
Outstanding Lien Verification Non-Sufficient Funds (NSF) Loay Paymen |
$50.00/month $30.00 |
|
| Overnight Fee | As Low as $35 | |
| Refinance FreeStar Financial CU Loan Fee | $100.00 | |
| Skip a Payment Fee | $35.00 | |
| Title Processing Fees | As low as $16 | |
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| MORTGAGE/HOME EQUITY LOAN FEES | ||
| Appraisal | As low as $490 | |
| Appraisal - Jumbo | As low as $475 | |
| Appraisal - VA | As low as $525 | |
| Closing Fee | $400.00 | |
| Escrow Waiver | FREE | |
| Flood Certification | As low as $10 | |
| Income Verification Fee | As low as $25 | |
| Individual Credit Report | As low as $48 | |
| Joint Credit Report | As low as $97 | |
| Mortgage Cost Total (estimated) | As low as $975 | |
| Mortgage Discharge Recording | $30.00 | |
| Mortgage Modification (once per mortgage) | $500.00 | |
|
Mortgage Origination Fee Non-Sufficient Funds (NSF) Loay Payment |
$975.00 $30.00 |
|
| Payoff Quote Fee for Mortgage/HELOC (requested by a 3rd Party) | $10.00 | |
| Subordination Fee | $300.00 | |
| Tax Service | $75.00 | |
| Title Company Processing Fee | As low as $135 | |
| VA Application Fee | As low as $575 | |
| VA Origination Fee | 1% less $500 | |
| OTHER SERVICE FEES | ||
| Account History (per page) | $1.00 | |
| Bad Address Fee (per item, per month) | $5.00 | |
| Corporate Draft (payable to 3rd party, except loans) | $3.00 | |
| Dormant Account (No Activity, 1 year) | $5.00/month | |
| Duplicate Statement Copy | $2.00 | |
| Escheat Fee | $100.00 | |
| Garnishment/Levy Processing Fee | $75.00 | |
| Identity Theft Protection | Varies | |
| Legal Processing Fee | $75.00 | |
| Mailing Charges | At Cost | |
| Money Orders | $3.00 | |
| Notary Public Service | FREE | |
| Paper Statement | $2.00 | |
| Verification of Deposit | $5.00 | |
| Wire Transfer Fee - Domestic | $25.00 | |
| Foreign | $50.00 | |
| Incoming | $5.00 | |
| NON-MEMBER SERVICE FEES | ||
| ATM Withdrawal | $3.00 | |
| Check Cashing (FreeStar Financial CU checks only) | $10.00 per check | |
| Collection Item Fee | $50.00 | |
| Notary Public Service | $10.00 | |
| ALL FEES ARE SUBJECT TO CHANGE. FEE SCHEDULE EFFECTIVE February 1, 2025 | ||
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