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Twin RiversFederal Credit Union

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Rates & Fees

Rates & Fees

Loan Rates Share Rates Fee Schedule

Fee Schedule
Account Service Fees
New Account Closed < 30 Days$5.00
Dormant Account Fee$10.00 per month
Abandoned Property Fee$100.00 per account
Address Correction
Returned Mail / Incorrect Address$5.00 per item
Address Search Fee$10.00
General Services Fees
Account Reconciliation (no charge if under 1 hour)$10.00 per hour
Account Research$10.00 per hour / $5.00 minimum
Monthly Quarterly Statement Reprint$5.00 per statement
Account Printout$2.00
Home Banking / Bill Pay Accounts
Active Home Banking AccountFREE
Active Bill Pay AccountFREE
Inactive (3 mos or longer w/o a transaction) Home Banking Account$10.00 per month
Inactive (3 mos or longer w/o a transaction) Bill Pay Account$10.00 per month
Correct Member Home Banking Transfer Error$2.00
Bill Pay Stop Payment$25.00
Individual Retirement Accounts (IRA)
IRA Transfer / Rollover Fee $25.00
IRA Termination Fee$25.00
Loan Related Fees
Consumer Loan Late Fee$15.00
Real Estate Loan Late Fee$15.00
Duplicate Lien Release $5.00
Overnight Currier Service$25.00
Skip a Payment (available 1 time per calendar year 1/1 – 12/31)$35.00 per loan
(Real Estate and Visa Credit Card Payments not eligible)
Loan Application Cancellation after Approval Notification$15.00
Duplicate Discharge of Mortgage$10.00
90 Day Note Fee$20.00
Loan Refinance Fee (TRFCU Loans)$25.00
Miscellaneous Fees
Notary Fee (Member)FREE
Notary Fee (Non Member)$2.00
Photo copies$0.25 per page
Fax Service (Incoming)$1.00 per page
Fax Service (Outgoing) $2.50 first page
$0.50 each additional page
Account Verification$10.00
Legal Action Compliance (tax levies, orders, subpoenas, etc.)$25.00
Non Sufficient Fund (NSF) Fees
Transfer from Share to Share to Cover NSF Item$10.00 per transfer
Late Clearing NSF Item$20.00 each
Late Clearing NSF ACH$20.00 each
Returned Check / ACH / EFT due to NSF$30.00 each
Paid NSF Item (Courtesy Pay) $30.00 each
Overdrawn Account Due to EFT / ATM / ACH $25.00 each
Member Deposited Item Returned (U.S.) $30.00 each
Member Deposited Item Returned (Canadian)$40.00 each
Redeposit NSF Check Fee$25.00 each
Share Draft (checking) Account Fees
Share Draft PrintingPrices vary per style
Transaction Fees
Credit Union Cashier’s Check $2.00
Copy of Credit Union Cashier’s Check$3.00
Money Order$2.00
Copy of Money Order$3.00
Check Cashing Fee (member) FREE
Check Cashing Fee (non-member cashed by member) $15.00
Inactive (3 mos or more w/o transaction) Account Check Cashing Fee$5.00
Receipt Mailing Fee$1.00
Share Draft (check) copy$5.00
Stop Payment $20.00 single check
$50.00 series of checks
Foreign Deposit (Canadian) Items $15.00
Rolled CoinsFREE
$5.00 >$100
Counter Checks $2.00 sheet of 4
Visa Gift Cards $3.00
Doing Business As (DBA) Accounts $5.00 per month$
Reg D Violation Fee (6 covered transactions allowed per month)$15.00 per item
Visa Credit Card Replacement $5.00
Visa PIN Number Replacement $5.00
Late Payment Fee $15.00
Over the Limit Fee$15.00
Returned Payment Fee $20.00
Monthly Statement Reprint $5.00
Visa Draft Copy Request $5.00
Visa Walk Thru (rush card) $40.00
Visa Debit Card Fees
ATM Withdrawal (first 4 free) $1.00 each
ATM Balance Inquiry $1.00 each
Foreign Card Use @ Twin Rivers FCU ATM $2.50 each transaction
Visa Debit Card Replacement $5.00
Visa PIN Number Replacement $5.00
Visa Walk Thru (rush card) $40.00
Wire Fees
Incoming Wire Fee $5.00
Outgoing Wire Fee

New Automobile Loans

Rates as low as:
3.24% for 60 Months
3.74% for 72 Months
4.44% for 84 Months
5.44% for 96 Months
6.44% for 108 Months

Used Vehicle Loans

Rates as low as:
2015 & Newer
4.24% for 60 Months
4.74% for 72 Months
2014 & Older
5.24% for 48 Months
5.74% for 60 Months

Recreational Vehicle Loans

Rates as low as:
4.99% for 36 Months
5.74% for 48 Months
6.24% for 60 Months
6.74% for 84 Months
7.24% for 120 Months
7.99% for 180 Months
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