Great Rates for Our Members

One of the benefits of being a member of First Entertainment Credit Union is our higher returns on savings and lower loan rates. Click on the links below to see our current rates for a variety of products. You’ll also find a listing of our low fees. To find rates by telephone, call 888-800-3328 during business hours.

Savings, Checking, Money Market, IRA & HSA Rates

Effective Date: September 19, 2018

First500 Savings **

Minimum Opening Balance $25.00
Minimum to Earn APY $5.00
APY 5.00%

First500 Savings Base Rate **

Minimum Opening Balance $25.00
Minimum to Earn APY $5.00
APY 0.10%

Business Savings*** 

Minimum Opening Balance $50.00
Minimum to Earn APY $250.00
APY 0.10%

Money Market Savings (Consumer) 

Minimum Opening Balance $2,500
Minimum to Earn APY $2,500
APY 0.40%

Money Market Savings (Consumer) 

Minimum Opening Balance $2,500
Minimum to Earn APY $10,000
APY 0.40%

Money Market Savings (Consumer) 

Minimum Opening Balance $2,500
Minimum to Earn APY $25,000
APY 0.50%

Money Market Savings (Consumer) 

Minimum Opening Balance $2,500
Minimum to Earn APY $50,000
APY 0.60%

Money Market Savings (Consumer) 

Minimum Opening Balance $2,500
Minimum to Earn APY $100,000
APY 0.70%

Money Market Savings (Business) 

Minimum Opening Balance $2,500
Minimum to Earn APY $2,500
APY 0.10%

Money Market Savings (Business) 

Minimum Opening Balance $2,500
Minimum to Earn APY $10,000
APY 0.15%

Money Market Savings (Business) 

Minimum Opening Balance $2,500
Minimum to Earn APY $25,000
APY 0.20%

Money Market Savings (Business) 

Minimum Opening Balance $2,500
Minimum to Earn APY $50,000
APY 0.25%

Money Market Savings (Business) 

Minimum Opening Balance $2,500
Minimum to Earn APY $100,000
APY 0.30%

Coogan (Youth) Account ^

Minimum Opening Balance $50.00 ††
Minimum to Earn APY $5.00 ††
APY 0.10%

Secondary Savings 

Minimum Opening Balance $0.00
Minimum to Earn APY $0.00
APY 0.10%

Health Savings Account (HSA) ^^

Minimum Opening Balance $0.00
Minimum to Earn APY $0.00
APY 0.30%

Holiday Savings ^^^

Minimum Opening Balance $0.00
Minimum to Earn APY $0.00
APY 0.20%

IRA (Daily) 

Minimum Opening Balance $0.00
Minimum to Earn APY $0.00
APY 0.20%

Advantage Checking††† 

Minimum Opening Balance $100.00
Minimum to Earn APY $0.00
APY 0.10%

Value Checking 

Minimum Opening Balance $25.00
Minimum to Earn APY N/A
APY N/A

Teen Checking 

Minimum Opening Balance $1.00
Minimum to Earn APY N/A
APY N/A

Business Essentials 

Minimum Opening Balance $100.00
Minimum to Earn APY N/A
APY N/A

Business Advantage Checking 

Minimum Opening Balance $500.00
Minimum to Earn APY N/A
APY N/A
Minimum Opening Balance Minimum to Earn APY APY *

First500 Savings **

$25.00

$5.00

5.00%

First500 Savings Base Rate **

$25.00

$5.00

0.10%

Business Savings*** 

$50.00

$250.00

0.10%

Money Market Savings (Consumer) 

$2,500

$2,500 

0.40%

Money Market Savings (Consumer) 

$2,500

$10,000 

0.40%

Money Market Savings (Consumer) 

$2,500

$25,000 

0.50%

Money Market Savings (Consumer) 

$2,500

$50,000 

0.60%

Money Market Savings (Consumer) 

$2,500

$100,000 

0.70%

Money Market Savings (Business) 

$2,500

$2,500 

0.10%

Money Market Savings (Business) 

$2,500

$10,000 

0.15%

Money Market Savings (Business) 

$2,500

$25,000 

0.20%

Money Market Savings (Business) 

$2,500

$50,000 

0.25%

Money Market Savings (Business) 

$2,500

$100,000 

0.30%

Coogan (Youth) Account ^

$50.00 ††

$5.00 ††

0.10%

Secondary Savings 

$0.00

$0.00

0.10%

Health Savings Account (HSA) ^^

$0.00

$0.00

0.30%

Holiday Savings ^^^

$0.00

$0.00

0.20%

IRA (Daily) 

$0.00

$0.00

0.20%

Advantage Checking††† 

$100.00

$0.00

0.10%

Value Checking 

$25.00

N/A

N/A

Teen Checking 

$1.00

N/A

N/A

Business Essentials 

$100.00

N/A

N/A

Business Advantage Checking 

$500.00

N/A

N/A

* APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period.

** The APY for an account balance up to $500 in a First500 Account will be 5.00% APY when member has a First Entertainment Checking Account and has requested eStatements only (member must discontinue receipt of paper statements). Member must also have either active online Billp@yer service or Direct Deposit. Active is defined as one transaction every 90 days for either service. First500 Youth Accounts will earn 5.00% APY on account balances up to $500 with Internet access and eStatement only. Balances above $500 in qualifying accounts and any balance in a non-qualifying First500 Account will earn the First500 Savings Base Rate. One First500 Account per Social Security Number. Rates subject to change without notice and may vary. In certain instances when the minimum balance is not maintained and no other services or accounts are open, a low balance monthly fee may apply. Check with the credit union for complete details. Minimum opening balance is $25.00

*** The APY for an account with a minimum daily balance of $250 or more. No dividends will be paid on balances below $250. If the minimum daily balance requirement is not met, a monthly service charge will apply (as disclosed in the Business Account Schedule of Fees and Charges) unless I maintain an active Business Checking Account. Check with the credit union for complete details. Minimum opening balance is $50.00. Business Savings Accounts are not eligible for the First500 Savings Account bump rate.

Rate on our multi-tiered Money Market Account is based on the Account’s daily balance. Account balances below $2,500 earn no dividends.

†† There is a minimum balance requirement of $50 for this account.

^ The APY for an account balance up to $500 in First500 Youth Accounts (or Coogan Accounts) will be 5.00% APY on account balances up to $500 with Internet access and eStatement only. Balances above $500 in qualifying accounts and any balance in a non-qualifying First500 Account will earn the First500 Savings Base Rate of 0.10% APY. One First500 Account per Social Security Number. Rates subject to change without notice.

^^ One HSA per member. No minimum balance. Inherited accounts are still considered HSAs and are subject to no tax consequences unless unqualified withdrawals are made. Not intended as tax advice, please consult your tax advisor for details.

^^^ No withdrawals are allowed prior to disbursement. Any withdrawal forfeits all dividends and closes account. Account balances above $5,000 earn the First500 Savings Base Rate.

Rates and yields listed above apply only to the dates listed above and are subject to change without notice. All accounts are insured up to at least $250,000 by the NCUA, a U.S. Government Agency.

Fees and penalties may reduce earnings.

††† To avoid a monthly service fee, a minimum daily checking account balance of $1,000 or a combined minimum daily balance of $4,000 between checking and savings accounts is required.

Term Savings Certificate Rates

Effective Date: September 19, 2018

Term Account Rates ($1,000 Minimum) 6 Months
APY* 0.85%

Term Account Rates ($1,000 Minimum) 1 Year
APY* 1.05%

Term Account Rates ($1,000 Minimum) 2 Years
APY* 1.55%

Term Account Rates ($1,000 Minimum) 3 Years
APY* 1.80%

Term Account Rates ($1,000 Minimum) 4 Years
APY* 1.85%

Term Account Rates ($1,000 Minimum) 5 Years
APY* 2.05%
Term Account Rates ($1,000 Minimum) APY*

6 Months

0.85%

1 Year

1.05%

2 Years

1.55%

3 Years

1.80%

4 Years

1.85%

5 Years

2.05%

*Annual Percentage Yield: APY is based on the assumption that dividends remain on deposit for the entire dividend period.

IRA Certificates are also available for the rates and terms shown above. Dividends are paid monthly and at maturity. Early withdrawal penalties may apply. For complete agreement and disclosure, click here.

Rates and yields listed above apply only to the dates listed above and are subject to change without notice. All accounts are insured up to at least $250,000 by the NCUA, a U.S. Government Agency.

Fees and penalties may reduce principal.

Open Your Certificate Today

Auto Loan Rates

Effective Date: September 19, 2018

NEW 

Rates (APR) as low as 2.99%
Maximum Amount Financed up to 120% MSRP
Minimum Amount Financed $2,500
Maximum Years to Repay 4 years

 

Rates (APR) as low as 3.24%
Maximum Amount Financed up to 120% MSRP
Minimum Amount Financed $10,000
Maximum Years to Repay 5 years

 

Rates (APR) as low as 3.49%
Maximum Amount Financed up to 120% MSRP
Minimum Amount Financed $15,000
Maximum Years to Repay 6 years

 

Rates (APR) as low as 4.49%
Maximum Amount Financed up to 120% MSRP
Minimum Amount Financed $25,000
Maximum Years to Repay 7 years

USED 

Rates (APR) as low as 2.99%
Maximum Amount Financed up to 120% RKBB
Minimum Amount Financed $2,500
Maximum Years to Repay 4 years

 

Rates (APR) as low as 3.24%
Maximum Amount Financed up to 120% RKBB
Minimum Amount Financed $10,000
Maximum Years to Repay 5 years

 

Rates (APR) as low as 3.69%
Maximum Amount Financed up to 120% RKBB
Minimum Amount Financed $15,000
Maximum Years to Repay 6 years

 

Rates (APR) as low as 4.74%
Maximum Amount Financed up to 120% RKBB
Minimum Amount Financed $25,000
Maximum Years to Repay 7 years
Type Rates (APR) as low as * Maximum Amount Financed *** Minimum Amount Financed Maximum Years to Repay

NEW 

2.99%

up to 120% MSRP 

$2,500

4 years

 

3.24%

up to 120% MSRP 

$10,000

5 years

 

3.49%

up to 120% MSRP 

$15,000

6 years

 

4.49%

up to 120% MSRP 

$25,000

7 years

USED 

2.99%

up to 120% RKBB 

$2,500

4 years

 

3.24%

up to 120% RKBB 

$10,000

5 years

 

3.69%

up to 120% RKBB 

$15,000

6 years

 

4.74%

up to 120% RKBB 

$25,000

7 years

NEW vehicles are: Current year, or previous year models with less than 10,000 miles, financed as new autos.

USED vehicles are: Non-new vehicles with Wholesale Kelly Blue Book value exceeding $2,500.

* APR = Annual Percentage Rate: For example, based on an average rate of 2.99% APR for new vehicles up to 48 months, your monthly payment would be approximately $22.13 per $1,000 borrowed. Based on an average rate of 2.99% APR for used (maximum age 6 years old) vehicles for up to 48 months, your monthly payment would be approximately $22.13 per $1,000 borrowed. No additional discounts may be applied to these rates.

Maximum Loan amount – NEW: up to 120% Retail Kelly Blue Book; USED: up to 120% Retail Kelly Blue Book (72 months max).

** Used vehicles older than 6 years or with more than 100,000 miles – Please call the credit union for current details and rates.

*** Sales Price includes purchase price, tax, GAP, license and service contract.

RATE AND TERM DEPENDENT ON LOAN AMOUNT.

Alternative rates, terms and conditions may apply depending on applicant’s credit qualifications. Rates and terms subject to change without notice. All loans subject to credit approval. No additional discounts may be applied to these rates.

Personal Loan Rates

Effective Date: September 19, 2018

Personal Loan **

APR* (as low as) 7.90%
Maximum Financed $30,000
Loan Amount $500-$30,000
Maximum Term 3 Years

 

APR* (as low as) 8.90%
Maximum Financed $30,000
Loan Amount $5,000-$30,000
Maximum Term 4 Years

 

APR* (as low as) 9.90%
Maximum Financed $30,000
Loan Amount $10,000-$30,000
Maximum Term 5 Years
Type APR* (as low as) Maximum Financed Loan Amount Maximum Term

Personal Loan **

7.90%

$30,000

$500-$30,000

3 Years

 

8.90%

$30,000

$5,000-$30,000

4 Years

 

9.90%

$30,000

$10,000-$30,000

5 Years

* Annual Percentage Rate

** For example, based on an average rate of 8.90% for 36 months, your monthly payment would be approximately $31.76 per $1,000 borrowed.

Visa Platinum® Card Rates

Effective Date: September 19, 2018

Visa – Platinum® **

APR* (as low as) 10.74% to 18.40%
Maximum Financed $25,000
Loan Amount $500-$25,000
Maximum Term --

Visa – Savings Secured 

APR* (as low as) 18.40%
Maximum Financed $2,000
Loan Amount $500-$2,000
Maximum Term --
APR* (as low as) Maximum Financed Loan Amount Maximum Term

Visa – Platinum® **

10.74% to 18.40%

$25,000

$500-$25,000

Visa – Savings Secured 

18.40%

$2,000

$500-$2,000

* Annual Percentage Rate

** APR shown is for Purchases = (Prime + 5.99%) to (Prime + 13.65) : Cash Advance APR = Same as Purchase APR : Balance Transfer APR = Same as Purchase APR : Penalty APR = 16.74% – 24.40% (Purchase APR + 6.00%)

Savings hold is placed equal to credit limit amount, 25 day grace period on purchases.
– No Annual Fee.
– Minimum monthly payment is 2% of statement balance or $20, whichever is greater.

Secured Loan Rates

Effective Date: September 19, 2018

Savings Secured 

APR Variable Rate 3% above First500 Savings Base Rate
Maximum Financed 100% of Deposit
Maximum Term 5 years

Certificate Secured 

APR 3% above Certificate Rate
Maximum Financed 90% Certificate
Maximum Term 6 months or Certificate maturity; whichever is less
APR * Maximum Financed Maximum Term

Savings Secured 

Variable Rate 3% above First500 Savings Base Rate

100% of Deposit

5 years 

Certificate Secured 

3% above Certificate Rate

90% Certificate

6 months or Certificate maturity; whichever is less

Annual Percentage Rate
For example, based on an average rate of 3.10% for Savings Secured loan up to 60 months, your monthly payment would be approximately $18.01 per $1,000 borrowed.

Term dependent upon loan amount.

Lifestyle Loan Rates

Effective Date: September 19, 2018

RV’s, Travel Trailers & Boats – (New) 

APR 6.90%
Minimum Amount Financed 100% **
Loan Amount $15,000+
Maximum Years to Repay 5 to 7 years
APR 7.40%
Minimum Amount Financed 100% **
Loan Amount $50,000-100,000
Maximum Years to Repay 10 years

RV’s, Travel Trailers & Boats – (Used) 1

APR 7.90%
Minimum Amount Financed 90% **
Loan Amount $50,000-100,000
Maximum Years to Repay 10 years
APR 8.40%
Minimum Amount Financed 90% **
Loan Amount $25,000+
Maximum Years to Repay 7 years
APR 8.90%
Minimum Amount Financed 90% **
Loan Amount $50,000-100,000
Maximum Years to Repay 10 years

Motorcycle
(Up to 80% or 90% financing) 

APR @ 80% 4.75% 5.00% 5.25% 5.50%
Minimum Amount Financed New: Up to 90% of purchase price including tax and license, not to exceed 100% of Retail Kelly Blue Book. Used: Up to 90% of purchase price including tax and license, or up to 90% of Wholesale Blue Book, whichever is lower. Max. age 10 years.
Loan Amount -
Maximum Years to Repay Up to 6 years
APR @ 90% 5.00% 5.25% 5.50% 5.75%
Minimum Amount Financed New: Up to 90% of purchase price including tax and license, not to exceed 100% of Retail Kelly Blue Book. Used: Up to 90% of purchase price including tax and license, or up to 90% of Wholesale Blue Book, whichever is lower. Max. age 10 years.
Loan Amount -
Maximum Years to Repay Up to 6 years

Off Road Vehicles (new only) 

APR 12.90%
Minimum Amount Financed 80%
Loan Amount -
Maximum Years to Repay 3 years
Type APR Minimum Amount Financed Loan Amount Maximum Years to Repay

RV’s, Travel Trailers & Boats – (New) 

6.90%

100% **

$15,000+

5 to 7 years  

7.40%

100% **

$50,000-100,000

10 years 

RV’s, Travel Trailers & Boats – (Used) 1

7.90%

90% **

$50,000-100,000

10 years 

8.40%

90% **

$25,000+

7 years 

8.90%

90% **

$50,000-100,000

10 years 

Motorcycle
(Up to 80% or 90% financing) 

@ 80%
4.75%
5.00%
5.25%
5.50%

New: Up to 90% of purchase price including tax and license, not to exceed 100% of Retail Kelly Blue Book.

Used: Up to 90% of purchase price including tax and license, or up to 90% of Wholesale Blue Book, whichever is lower. Max. age 10 years.

Up to 6 years 

@ 90%
5.00%
5.25%
5.50%
5.75%

New: Up to 90% of purchase price including tax and license, not to exceed 100% of Retail Kelly Blue Book.

Used: Up to 90% of purchase price including tax and license, or up to 90% of Wholesale Blue Book, whichever is lower. Max. age 10 years.

Up to 6 years 

Off Road Vehicles (new only) 

12.90%

80%

3 years

1 USED RV’s, Travel Trailers & Boats are: Older than 6-yrs and/or with more than 100,000 miles – please call the Credit Union for current rates and details.

Annual Percentage Rate:
For example, based on an average rate of 6.90% for new RV’s, Travel Trailers and Boats up to 72 months, your monthly payment would be approximately $17.00 per $1,000 borrowed. Based on an average rate of 7.90% APR for used RV’s, Travel Trailers and Boats (maximum age 6 years old) for up to 60 months, your monthly payment would be approximately $20.23 per $1,000 borrowed. For example, based on an average rate of 4.75% for new or used motorcycles up to 72 months (80% financing), your monthly payment would be approximately $15.99 per $1,000 borrowed. For example, based on an average rate of 5.00% for new or used motorcycles up to 72 months (90% financing), your monthly payment would be approximately $16.10 per $1,000 borrowed. For example, based on an average rate of 12.90% for new Off Road Vehicles up to 36 months, your monthly payment would be approximately $33.65 per $1,000 borrowed. No additional discounts may be applied to these rates.

** Maximum amount financed is the percentage of purchase price, appraised value, or Wholesale bluebook where applicable, and whichever is less. Financing also includes tax, license and service contract (for RV’s).

Term dependent upon loan amount.

Fees and Service Rates - Consumer Accounts

Effective Date: September 19, 2018

 

GENERAL FEES AND CHARGES* (Consumer) ATM Withdrawals on Non-First Entertainment ATMs (per withdrawal on accounts without a Checking; additional Surcharges may apply.) 1
$2.00

 

GENERAL FEES AND CHARGES* (Consumer) Cashier’s Checks Payable to Third Party
$5.00

 

GENERAL FEES AND CHARGES* (Consumer) Check by Phone Payments
$5.00

 

GENERAL FEES AND CHARGES* (Consumer) Check Printing
varies by style

 

GENERAL FEES AND CHARGES* (Consumer) Coin Processing (waived for minors)
5% of deposit

 

GENERAL FEES AND CHARGES* (Consumer) Daily Negative Balance Fee (when account balance is negative more than 3 calendar days)
$5.00

 

GENERAL FEES AND CHARGES* (Consumer) Escheat Notice
$2.00

 

GENERAL FEES AND CHARGES* (Consumer) Foreign Check Processing/Collection Items (additional bank fees may apply)
$25.00

 

GENERAL FEES AND CHARGES* (Consumer) Insufficient Funds (NSF) (each)
$29.00

 

GENERAL FEES AND CHARGES* (Consumer) IRA Transfer to Another Institution
$25.00

 

GENERAL FEES AND CHARGES* (Consumer) Legal Processing (per hour, except if prohibited by Law)
$50.00

 

GENERAL FEES AND CHARGES* (Consumer) Membership Fee (one time)
$5.00

 

GENERAL FEES AND CHARGES* (Consumer) Monthly Service Fee (First500 Savings Account) 2
$6.00

 

GENERAL FEES AND CHARGES* (Consumer) Overdraft Fee (each) 3
$25.00

 

GENERAL FEES AND CHARGES* (Consumer) Overdraft Protection Transfers from Savings (per transaction)
$3.00

 

GENERAL FEES AND CHARGES* (Consumer) Research/Account Reconciliation (per hour) ($20.00 minimum plus any related document copy fees, except if prohibited by Law) 4
$20.00

 

GENERAL FEES AND CHARGES* (Consumer) Returned Deposited/Cashed Item 4
$15.00

 

GENERAL FEES AND CHARGES* (Consumer) Rush Delivery Charges (cards or documents requested for expedited delivery)
$20.00

 

GENERAL FEES AND CHARGES* (Consumer) Skip-a-Pay/Loan Extension
$25.00

 

GENERAL FEES AND CHARGES* (Consumer) Stop Payment Request (check or ACH)
$20.00

 

GENERAL FEES AND CHARGES* (Consumer) Wire Transfer - Domestic (outgoing)
$25.00

 

GENERAL FEES AND CHARGES* (Consumer) Wire Transfer - International (outgoing)
$50.00
GENERAL FEES AND CHARGES* (Consumer)

 

ATM Withdrawals on Non-First Entertainment ATMs (per withdrawal on accounts without a Checking; additional Surcharges may apply.) 1

$2.00

 

Cashier’s Checks Payable to Third Party

$5.00

 

Check by Phone Payments

$5.00

 

Check Printing

varies by style

 

Coin Processing (waived for minors)

5% of deposit

 

Daily Negative Balance Fee (when account balance is negative more than 3 calendar days)

$5.00

 

Escheat Notice

$2.00

 

Foreign Check Processing/Collection Items (additional bank fees may apply)

$25.00

 

Insufficient Funds (NSF) (each)

$29.00

 

IRA Transfer to Another Institution

$25.00

 

Legal Processing (per hour, except if prohibited by Law)

$50.00

 

Membership Fee (one time)

$5.00

 

Monthly Service Fee (First500 Savings Account) 2

$6.00

 

Overdraft Fee (each) 3

$25.00

 

Overdraft Protection Transfers from Savings (per transaction)

$3.00

 

Research/Account Reconciliation (per hour) ($20.00 minimum plus any related document copy fees, except if prohibited by Law) 4

$20.00

 

Returned Deposited/Cashed Item 4

$15.00

 

Rush Delivery Charges (cards or documents requested for expedited delivery)

$20.00

 

Skip-a-Pay/Loan Extension

$25.00

 

Stop Payment Request (check or ACH)

$20.00

 

Wire Transfer – Domestic (outgoing)

$25.00

 

Wire Transfer – International (outgoing)

$50.00

1 An additional 1% of the transaction amount is charged on all international ATM cash withdrawals and on Point-of-Sale purchases.

2 See Member Account Agreement and Disclosure for specific details on the terms of this account/service and when this fee is charged.

3 See Member Account Agreement and Disclosure for specific details on the Overdraft program.

4 No charges are assessed in connection with the investigation of an alleged billing error.

VALUE CHECKING – Monthly Service Charge With eStatements
$0

VALUE CHECKING – Monthly Service Charge Without eStatements (Per Month)
$6.00

VALUE CHECKING – Monthly Service Charge
  • No Per-Check Charges
  • Non-Dividend Bearing
  • Free eStatements, Billp@yer and Mobile Deposits
  • Free First Order of "Hollywood Dreams" Checks
  • Free Transactions at Nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)

VALUE CHECKING – Monthly Service Charge Out-of-Network ATM Withdrawals (each) (additional surcharges may be assessed by ATM Operators) 1
$2.00
VALUE CHECKING – Monthly Service Charge

With eStatements

$0

Without eStatements (Per Month)

$6.00

  • No Per-Check Charges
  • Non-Dividend Bearing
  • Free eStatements, Billp@yer and Mobile Deposits
  • Free First Order of “Hollywood Dreams” Checks
  • Free Transactions at Nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)

Out-of-Network ATM Withdrawals (each) (additional surcharges may be assessed by ATM Operators) 1

$2.00

1 An additional 1% of the transaction amount is charged on all international ATM cash withdrawals and on Point-of-Sale purchases.

  • No Per-Check Charges
  • Non-Dividend Bearing
  • Free eStatements, Billp@yer and Mobile Deposits
  • Free First Order of "Hollywood Dreams" Checks
  • Free Transactions at Nearly 30,000 First Entertainment and CO-OP Network ATMs (Locations nationwide, including 7-Eleven® and select Costco® stores)

Fees and Service Rates - Business Members

Effective Date: September 19, 2018

 

GENERAL FEES AND CHARGES Cashier’s Check Fee (payable to a third party)
$5.00

 

GENERAL FEES AND CHARGES Check by Phone Payments
$5.00

 

GENERAL FEES AND CHARGES Check Printing
varies by style

 

GENERAL FEES AND CHARGES Daily Negative Balance Fee (when account balance is negative more than 3 calendar days)
$5.00

 

GENERAL FEES AND CHARGES Escheat Notice
$2.00

 

GENERAL FEES AND CHARGES Excessive Card Replacement Fee (more than 2 in 12 months)
$15.00

 

GENERAL FEES AND CHARGES Foreign Check Processing/Collection Items (additional bank fees may apply)
$25.00

 

GENERAL FEES AND CHARGES Insufficient Funds (NSF) (each)
$29.00

 

GENERAL FEES AND CHARGES Legal Processing (per hour, except if prohibited by Law)
$50.00

 

GENERAL FEES AND CHARGES Membership Fee (one time)
$5.00

 

GENERAL FEES AND CHARGES Out-of-Network ATM Withdrawals (each) (additional surcharges may be assessed by ATM operators) 3
$2.50

 

GENERAL FEES AND CHARGES Overdraft Fee (each) 1
$25.00

 

GENERAL FEES AND CHARGES Overdraft Protection Transfers from Savings
$3.00

 

GENERAL FEES AND CHARGES Research/Account Reconciliation (per hour) ($20.00 minimum plus any related document copy fees, except if prohibited by Law) 2
$20.00

 

GENERAL FEES AND CHARGES Returned Deposited/Cashed Item 2
$15.00

 

GENERAL FEES AND CHARGES Rush Delivery Charges (cards or documents requested for expedited delivery)
$20.00

 

GENERAL FEES AND CHARGES Stop Payment Request (Check or ACH) 2
$25.00

 

GENERAL FEES AND CHARGES Wire Transfer - Domestic (outgoing)
$25.00

 

GENERAL FEES AND CHARGES Wire Transfer - International (outgoing)
$50.00
GENERAL FEES AND CHARGES *

 

Cashier’s Check Fee (payable to a third party)

$5.00

 

Check by Phone Payments

$5.00

 

Check Printing

varies by style

 

Daily Negative Balance Fee
(when account balance is negative more than 3 calendar days)

$5.00

 

Escheat Notice

$2.00

 

Excessive Card Replacement Fee (more than 2 in 12 months)

$15.00

 

Foreign Check Processing/Collection Items
(additional bank fees may apply)

$25.00

 

Insufficient Funds (NSF) (each)

$29.00

 

Legal Processing (per hour, except if prohibited by Law)

$50.00

 

Membership Fee (one time)

$5.00

 

Out-of-Network ATM Withdrawals (each) (additional surcharges may be assessed by ATM operators) 3

$2.50

 

Overdraft Fee (each) 1

$25.00

 

Overdraft Protection Transfers from Savings

$3.00

 

Research/Account Reconciliation (per hour)
($20.00 minimum plus any related document copy fees, except if prohibited by Law) 2

$20.00

 

Returned Deposited/Cashed Item 2

$15.00

 

Rush Delivery Charges
(cards or documents requested for expedited delivery)

$20.00

 

Stop Payment Request (Check or ACH) 2

$25.00

 

Wire Transfer – Domestic (outgoing)

$25.00

 

Wire Transfer – International (outgoing)

$50.00

1 See Business Account Agreement and Disclosure for specific details on the Overdraft program.

2 No charges are assessed in connection with the investigation of an alleged billing error.

3 An additional 1% of the transaction amount is charged on all international ATM cash withdrawals and on Point-of-Sale purchases.

BUSINESS SAVINGS - Monthly Service Charge With Average Daily Minimum Balance Requirement ($250.00 in Business Savings or Combined Average Daily Balance of $100.00 within Business Essentials Checking, Business Advantage Checking, Business Term Savings Certificates, and/or Business Money Market)
$0

BUSINESS SAVINGS - Monthly Service Charge Without Average Daily Minimum Balance Requirement (per month) ($250.00 in Business Savings or Combined Average Daily Balance of $100.00 within Business Essentials Checking, Business Advantage Checking, Business Term Savings Certificates, and/or Business Money Market)
$5.00

BUSINESS SAVINGS - Monthly Service Charge Minimum Opening Deposit
$50.00

BUSINESS SAVINGS - Monthly Service Charge Dividend Bearing (balance required to earn Dividends)
$250.00

BUSINESS SAVINGS - Monthly Service Charge Free eStatements, Billp@yer & Mobile Deposits

BUSINESS SAVINGS - Monthly Service Charge Automatic Transfers via Overdraft available

BUSINESS SAVINGS - Monthly Service Charge Free Transactions at Nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)
BUSINESS SAVINGS - Monthly Service Charge

With Average Daily Minimum Balance Requirement
($250.00 in Business Savings or Combined Average Daily Balance of $100.00 within Business Essentials Checking, Business Advantage Checking, Business Term Savings Certificates, and/or Business Money Market)

$0

Without Average Daily Minimum Balance Requirement (per month)
($250.00 in Business Savings or Combined Average Daily Balance of $100.00 within Business Essentials Checking, Business Advantage Checking, Business Term Savings Certificates, and/or Business Money Market)

$5.00

Minimum Opening Deposit

$50.00

Dividend Bearing
(balance required to earn Dividends)

$250.00

Free eStatements, Billp@yer & Mobile Deposits

Automatic Transfers via Overdraft available

Free Transactions at Nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)

BUSINESS MONEY MARKET SAVINGS - Monthly Service Charge With Average Daily Minimum Balance Requirement (Minimum Average Daily Balance is $2,500.00)
$0

BUSINESS MONEY MARKET SAVINGS - Monthly Service Charge Without Average Daily Minimum Balance Requirement (per month) (Minimum Average Daily Balance is $2,500.00)
$10.00

BUSINESS MONEY MARKET SAVINGS - Monthly Service Charge Minimum Opening Deposit
$2,500.00

BUSINESS MONEY MARKET SAVINGS - Monthly Service Charge Dividend Bearing (balance required to earn Dividends)
$2,500.00

BUSINESS MONEY MARKET SAVINGS - Monthly Service Charge Free eStatements, Billp@yer & Mobile Deposits

BUSINESS MONEY MARKET SAVINGS - Monthly Service Charge Automatic Transfers via Overdraft available

BUSINESS MONEY MARKET SAVINGS - Monthly Service Charge Free Transactions at Nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)
BUSINESS MONEY MARKET SAVINGS - Monthly Service Charge

With Average Daily Minimum Balance Requirement
(Minimum Average Daily Balance is $2,500.00)

$0

Without Average Daily Minimum Balance Requirement (per month)
(Minimum Average Daily Balance is $2,500.00)

$10.00

Minimum Opening Deposit

$2,500.00

Dividend Bearing
(balance required to earn Dividends)

$2,500.00

Free eStatements, Billp@yer & Mobile Deposits

Automatic Transfers via Overdraft available

Free Transactions at Nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)

BUSINESS ESSENTIALS CHECKING - Monthly Service Charge With Average Daily Minimum Balance Requirement (Minimum Average Daily Balance is $5,000.00 or a Combined Average Daily Balance of $10,000.00)
$0

BUSINESS ESSENTIALS CHECKING - Monthly Service Charge Without Average Daily Minimum Balance Requirement (per month) (Minimum Average Daily Balance is $5,000.00 or a Combined Average Daily Balance of $10,000.00)
$16.00

BUSINESS ESSENTIALS CHECKING - Monthly Service Charge Minimum Opening Deposit
$100.00

BUSINESS ESSENTIALS CHECKING - Monthly Service Charge Free eStatements, Billp@yer & Mobile Deposits

BUSINESS ESSENTIALS CHECKING - Monthly Service Charge Transactions Allowed (per month)
150

BUSINESS ESSENTIALS CHECKING - Monthly Service Charge Excess Transaction Fee (per transaction) (transactions include: deposits, deposited items, and drafts/checks)
$0.40

BUSINESS ESSENTIALS CHECKING - Monthly Service Charge ACH (credits/debits) Transactions Allowed (per month)
50

BUSINESS ESSENTIALS CHECKING - Monthly Service Charge Excess ACH Fee (per transaction) (ACH Transactions defined by the Business Services Account Agreement and Disclosure)
$0.20

BUSINESS ESSENTIALS CHECKING - Monthly Service Charge Maximum Cash Deposit (per month)
$7,500.00

BUSINESS ESSENTIALS CHECKING - Monthly Service Charge Excess Cash Deposit Fee (per $100.00)
$0.10

BUSINESS ESSENTIALS CHECKING - Monthly Service Charge Free Transactions at Nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)
BUSINESS ESSENTIALS CHECKING - Monthly Service Charge

With Average Daily Minimum Balance Requirement
(Minimum Average Daily Balance is $5,000.00 or a Combined Average Daily Balance of $10,000.00)

$0

Without Average Daily Minimum Balance Requirement (per month)
(Minimum Average Daily Balance is $5,000.00 or a Combined Average Daily Balance of $10,000.00)

$16.00

Minimum Opening Deposit

$100.00

Free eStatements, Billp@yer & Mobile Deposits

Transactions Allowed (per month)

150

Excess Transaction Fee (per transaction)
(transactions include: deposits, deposited items, and drafts/checks)

$0.40

ACH (credits/debits) Transactions Allowed (per month)

50

Excess ACH Fee (per transaction)
(ACH Transactions defined by the Business Services Account Agreement and Disclosure)

$0.20

Maximum Cash Deposit (per month)

$7,500.00

Excess Cash Deposit Fee (per $100.00)

$0.10

Free Transactions at Nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)

BUSINESS ADVANTAGE CHECKING - Monthly Service Charge With Average Daily Minimum Balance Requirement (Minimum Average Daily Balance is $10000.00 or a Combined Average Daily Balance of $25,000.00)
$0

BUSINESS ADVANTAGE CHECKING - Monthly Service Charge Without Daily Minimum Balance Requirement (per month) (Minimum Average Daily Balance is $10,000.00 or a Combined Average Daily Balance of $25,000.00)
$22.00

BUSINESS ADVANTAGE CHECKING - Monthly Service Charge Minimum Opening Deposit
$500.00

BUSINESS ADVANTAGE CHECKING - Monthly Service Charge Free eStatements, BillP@yer & Mobile Deposits
$500.00

BUSINESS ADVANTAGE CHECKING - Monthly Service Charge Transactions Allowed (per month)
300

BUSINESS ADVANTAGE CHECKING - Monthly Service Charge Excess Transaction Fee (per transaction) (transactions include: deposits, deposited items, and drafts/checks)
$0.40

BUSINESS ADVANTAGE CHECKING - Monthly Service Charge ACH (credits/debits) Transactions Allowed (per month)
100

BUSINESS ADVANTAGE CHECKING - Monthly Service Charge Excess ACH Fee (per transaction) (ACH Transactions defined by the Business Services Account Agreement and Disclosure)
$0.20

BUSINESS ADVANTAGE CHECKING - Monthly Service Charge Maximum Cash Deposit (per month)
$10,000.00

BUSINESS ADVANTAGE CHECKING - Monthly Service Charge Excess Cash Deposit Fee (per $100.00)
$0.10

BUSINESS ADVANTAGE CHECKING - Monthly Service Charge Free Transactions at Nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)

BUSINESS ADVANTAGE CHECKING - Monthly Service Charge Out-of-Network ATM Withdrawals (each) (Additional surcharges may be assessed by ATM Operators) 1
$2.50
BUSINESS ADVANTAGE CHECKING - Monthly Service Charge

With Average Daily Minimum Balance Requirement
(Minimum Average Daily Balance is $10000.00 or a Combined Average Daily Balance of $25,000.00)

$0

Without Daily Minimum Balance Requirement (per month)
(Minimum Average Daily Balance is $10,000.00 or a Combined Average Daily Balance of $25,000.00)

$22.00

Minimum Opening Deposit

$500.00

Free eStatements, BillP@yer & Mobile Deposits

$500.00

Transactions Allowed (per month)

300

Excess Transaction Fee (per transaction)
(transactions include: deposits, deposited items, and drafts/checks)

$0.40

ACH (credits/debits) Transactions Allowed (per month)

100

Excess ACH Fee (per transaction)
(ACH Transactions defined by the Business Services Account Agreement and Disclosure)

$0.20

Maximum Cash Deposit (per month)

$10,000.00

Excess Cash Deposit Fee (per $100.00)

$0.10

Free Transactions at Nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)

Out-of-Network ATM Withdrawals (each)
(Additional surcharges may be assessed by ATM Operators) 1

$2.50

1 An additional 1% of the transaction amount is charged on all international ATM cash withdrawals and on Point-of-Sale purchases.

Home Equity Line of Credit Rates

Effective Date: September 19, 2018

Owner Occupied 

ANNUAL PERCENTAGE RATE (as low as) Prime +0.50% **
Maximum Financed 60% CLTV
Loan Amount $10,000 - $250,000
Maximum Years to Repay 10 year draw

Owner Occupied 

ANNUAL PERCENTAGE RATE (as low as) Prime +0.74% **
Maximum Financed 70% CLTV
Loan Amount $10,000 - $250,000
Maximum Years to Repay 10 year draw

Owner Occupied 

ANNUAL PERCENTAGE RATE (as low as) Prime +1.00% **
Maximum Financed 80% CLTV
Loan Amount $10,000 - $250,000
Maximum Years to Repay 10 year draw
Type ANNUAL PERCENTAGE RATE (as low as) * Maximum Financed Loan Amount Maximum Years to Repay

Owner Occupied 

Prime +0.50% **

60% CLTV

$10,000 – $250,000

10 year draw

Owner Occupied 

Prime +0.74% **

70% CLTV

$10,000 – $250,000

10 year draw

Owner Occupied 

Prime +1.00% **

80% CLTV

$10,000 – $250,000

10 year draw

*APR: Annual Percentage Rate. Rates and terms subject to change without notice. All loans are subject to credit approval. Alternative rates and terms may apply depending on applicant’s credit qualifications.

** Product has a floor of 4% APR