Loan Rates Savings Rates EMCU Fees
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 Fee | First 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. | ||