Rates


Loan Rates Savings Rates EMCU Fees

Effective as of: 4/2/2025
Annual IRA Fee$8.00
 
Skip-A-Payment Fee$35.00
 
NSF Fee$30.00 per item
 
Returned Check Fee$30.00 per item
 
Stop Payment Fee$30.00 per order
 
VISA Foreign Transaction Fee 1.00%
 
VISA Phone Payment Fee$10.00
 
Shazam Withdrawal FeeFirst 2 per month free $1.00 each additional withdrawal
 
Shazam Inquiry Fee $1.00 per inquiry
 
Gap Plus Fees
Auto $450.00
Powersport$450.00
Watercraft$465.00
RV$465.00
 
Dorman Account Fee*Effective 6/30/25$10.00 per month
*The dormant fee will apply to accounts with a balance less than $100.00, and have been inactive for longer than 2 years. The dormant fee does not apply to accounts with a loan, CD, IRA, or an active VISA account. The dormant fee does not apply to minor accounts.
To avoid the dormant fee: maintain a balance greater than $100.00, or deposit/withdraw funds from the account annually, or have a loan, CD, IRA, or active VISA card.
Escheatment Fee**Effective 6/30/25$100.00 per closed account
**The escheatment fee is charged to a dormant account that is closed and sent to the Minnesota Department of Commerce Unclaimed Property after 5 years of inactivity.
To avoid the escheatment fee: deposit/withdraw funds from your account every five years, or have a loan, CD, IRA, or active VISA card.