Fee Schedule| Southern CA Credit Union

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Share (Savings) Effective: 2/1/2025
Minimum balance falls below $100.00 (excluding Junior Savers)	$5.00/month
Money Market minimum balance fee (balance falls below $2,500.00)	$25.00/month
Super Savers minimum balance fee	$25.00/month

Share Drafts (Checking) Effective: 2/1/2025
Monthly Service Charge*	$ 0.00/month
Prime Checking Low Balance**	$2.50/month
Stop Payment	$25.00

Share Certificates / IRAs Effective: 2/1/2025
Early Withdrawal Fee (Share Certificates)	$25.00
IRA Annual Maintenance Fee	$25.00
IRA Closure/Transfer Fee	$25.00

General Fees Effective: 2/1/2025
ATM Deposit Corrections	$25.00
Bad Address	$15/month
Cashier Check (per check)	$ 10.00
Check Assure	$35.00
Check Cashing	$10.00 or 2% (lesser amount)
Dormant/Abandoned Account	$ 5.00/month
Escheat Notification Fee	$ 2.00
Incoming Wire Fee	$10.00
Incorrect Social Security or Tax Pay ID	$60.00/year
Legal Process Fee (comply with levies, tax liens, etc.)	$125.00/per legal document
Negative Share Balance Collection Fee	$35.00
Non-FFCU or CO-OP ATM Withdrawal Fee	$ 5.00
Non-Sufficient Funds (NSF)	$35.00
Outgoing Domestic Wire Fee	$25.00
Overdraft Protection Annual Fee	$60/year
Overdraft Transfer Fee (from Shares or Loans) per transfer	$6.00 each/$12 daily max
Overnight Delivery	$ at cost
Payment by Phone Processing Fee	$10.00
Return of Deposited Item (per item)	$35.00
Rush Order ATM/Debit Card	$30.00
Share or Loan Audit Fee	$25 per hour
Single Service Fee	$10/month
Statement Copy Fee	$ 5.00
Unavailable/Uncollectible Funds (per check)	$35.00

Loan Fees Effective: 2/1/2025
Deferments/Modifications (non-real estate)	$ 150.00
Demand – Update	$ 15.00
Demand – Written	$ 60.00
DMV Documentation Processing	$ 65.00
Failed Loan Transfer	$ 35.00
Home Equity Line of Credit (HELOC) Annual Fee	$ 150.00
Home Equity Line of Credit (HELOC) Early Termination Fee	$ 150.00
Internal Refinance Fee	$ 100.00
Loan Documentation Copies (non-real estate)	$ 15.00
Real Estate Loan Document Copies	$ 25.00
Real Estate Loan Modification	$200.00
Reconveyance Fee (flat fee)***	$ 212.00
Recording Fee (varies by county)	$ 20.00
Subordination Fee	$500.00
Subsequent Action Fee	$100.00

* Effective 7/1/17 eliminated

** Effective 7/1/17 reduced

*** Effective 1/01/18 increased

Fee Schedule