La Joya Area FCU
P.O. Box 1300
La Joya, Texas 78560

(956) 585-6207
(877) 585-6207

Routing Number:
314985468

 Rates 

Loan Rates Savings Rates Certificate Rates Fee Schedule

Effective as of: February 2017
Fee Schedule
Regular Savings Account Fees
Monthly Service ChargeFREE
Account Closed within 90 Days of Opening$20.00
Inactivity Fee on Accounts that maintain a balance of less than $5.00 for 6 months or more$5.00
Excess Share Withdrawl Fee$2.00 per transaction (after alloted 3 per month)
Membership Fee$5.00
 
Checking Account Fees
Monthly Service ChargeFREE
Check WritingFREE, Unlimited
Overdraft PrivilegeFREE
Overdraft Protection Transfer From Savings$2.00 / Per Transaction
NSF Fee$25.00 / Each
ACH NSF Fee$25.00
Stop Payment Fee
Per Item$25.00
Range of Checks$25.00
ACH$25.00 / each
Official Checks$25.00
Deposited Item Returned Uncollected $25.00 / each
Collection$10.00 / Check
Check: PrintingPrices may vary depending on style
Imaged Copies$2.00 per item Free on Home Banking
Temporary Checks$1.00 / Page
Teller Check Fee$5.00
Account Reconciliation Fee$20.00 per hour $20.00 minimum
 
Money Market Account fees
Monthly Service ChargeFREE
Withdrawal$10.00 after three (3) withdrawl per month
 
ATM SERVICE FEES
LJAFCU ATM'sFREE
Non LJAFCU Card Used$3.50
Non Credit Union ATM$2.00
$100.00
Stripes ATM$1.50
 
DEBIT CARD PROGRAM FEES
Debit Card Set-upFREE
Debit Card Monthly MaintenanceFREE
ATM Card Replacement$10.00
Additional Debit Cards Ordered$10.00 / Each
Re-Pin ATM/Debit Card$2.00
Debit Card
LJAFCU ATM'SFREE
Non LJAFCU Card Used$3.50
Non Credit Union ATM$2.00
Point of Sale TransactionFREE / ITEM
 
Other Service Fees (applicable to all accounts)
Audio Response FeeFREE (1-800-427-4625)
Home Banking ServiceFREE www.lajoyacreditunion.coop
Account Research Fee $20.00 / Hour. $20.00 minimum
Statement Copy$2.00 / Page, FREE for Diamond Account
Photocopy$2.00 / Page
Account Printout$2.00 / Page
Legal Process$25.00
Fax$5.00 / Page
Money Order Fee$1.80 each
3rd Party Check Cashing Fee$5.00 or 1.00% whichever is greater
Items Sent For Collection Fee$20.00 / Item
Deposited Item Return (Third Party) Fee$10.00 / Ptem
Check Cashing Requiring Phone Approval$10.00
Memeber Check Returned NSF$25.00
Third Party Deposit Check Returned NSF$10.00
$5.00
Phone Transfer$2.00 / Per Transfer
Phone Inquiry$1.00 / Inquiry
Returned Mail$3.00 / Statement
Dormant Account$5.00 after 24 months
Free
$5.00 (Share mimimum of $25.00)
$35.00 / Per loan
 
Wire Service Fees
Incoming
Wire Transfer:
IncomingFREE
Outgoing$20.00 / Domestic Transfer
Internationak$45.00
Western Union$15.00 Domestic
Western Union International
 
Loan Service Fees
Lost Coupon Book Reorder Fee$5.00
Loan Application FeeFREE
No Hassle Application Fee$25.00
Late Payment10.00% of the payment due after 7 days past due, $30.00 maximum
Verification of Deposit$15.00
Automobile Value Printout$2.00
 
Mastercard Service Fees
Annual MaintenanceFREE
Late Payment$20.00
Over-the Limit$20.00
Returned Check$20.00
Cash Advance$10.00 FREE when using Credit Union Mastercard
 
IRA Service Fees
Annual Maintenance Fee$5.00
IRA Transfers$25.00
IRA Closing$5.00
 
The fees Appearing in this Schedule are accurate and effective for accounts as of the Last Dividens Declaration Date indicated on this Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.