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Effective August 1, 2012

Savings Rates | Certificate Rates | Loan Rates | Fees

Dormant Share Accounts
(12 months)
$5.00 monthly
Regular Share Account less than Par Value ($50)
$2.00 monthly
Excessive Withdrawal of Shares
(over 2 per month)
$5.00 each
Accounts Closing Within 6 months of Opening
$10.00 each
Reinstatement of Closed Share/Share Draft Account
$10.00 each
Deposited Checks Returned
$33.00 each
Statement Reconciliation/ Account Research Fee (assistance per hour)
$25.00 per hour
Undeliverable/Returned Mail
$5.00 monthly
Member Privilege
$33.00 per item
Transfer of Funds Request
  Automatic (Regular Shares)

Duplicate Auto Title /Lien Release
Duplicate Title Release (Home Equity)
Subordination Agreement (Home Equity)
Loan/Mortgage Verification
  2 Days
  Within 24 Hours

$10.00 each
$20.00 each
Skip A Payment Fee
$25.00 each
Line of Credit Annual Fee
Home Equity Line of Credit Annual Fee
Home Equity Loan/Line of Credit Payoff to Other Institution
$20.00 each
Loan Late Fee
$30.00 after 15 days
Home Equity Loan Late Fee
$60.00 after 15 days
Home Equity Application Fee
Garnishments, Levies, Liens Processing
$75.00 per item
Copies of Credit Union Checks
Copies of Share Drafts
Cashier’s Checks
Christmas Club Closing Balance if
less than $100.00 at maturity
Christmas Club Withdrawals prior to maturity
Premature Withdrawals from IRA Accounts
(prior to age 59 1/2)
$10.00 each
Cut off Statements
(Copies per month of coverage)
Mailed Paper Statements
Undeliverable/Returned Mail
$5.00 per month
Check Holds
See Reg. CC Schedule
for check hold policies
Stop Payments/Member Checks
$20.00 each
Stop Payment on Credit Union Checks
$25.00 each
Checks Presented for Special Collection
$25.00 each
Withdrawal From Share Draft Accounts
by Credit Union Check
Money Market Withdrawal (over 2 per month)
Online Banking Bill Payer
ATM Replacement Card
ATM Card Replacement PIN
$5.00 each
ATM Reactivation Fee
$5.00 each
ATM Transactions (Foreign)
$1.00 per transaction
ATM Foreign Balance Inquires
$.75 per transaction
ACH (Returns/Share Draft Returns)
Wire Transfers (Domestic)
Notary Services (Member)
$3.00 each
$5.00 each
Escheatable Accounts
$50.00 each
Express Mail
Carrier fee plus $3.00
Establish Back-up Withholding
Signature Guarantee (Medallion Stamp)

   It is the intent of your board of directors to provide as many financial services as possible fee-free or at minimal cost. Over the years District of Columbia Teachers Federal Credit Union has done just that – providing many services free to the entire membership when banks and other profit-oriented financial institutions were assessing charges.

   In order to use your credit union to your best advantage, you should be aware of those services that do require additional fees. As you will note, most fees are for unusual use or misuse of accounts, where maintenance costs are excessive. Use your credit union for all your financial needs and you’ll find it a money-saving and rewarding money-making experience.

PLEASE NOTE: The par value of one share ($50.00) is required in regular shares to maintain membership in the District of Columbia Teachers Federal Credit Union.


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