Rates

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.

Savings, Checking, Money Market & Term Certificates

  • Savings, Checking, Money Market, IRA & HSA Rates

    Effective Date: February 25, 2017

    • 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 $5.00
      Minimum to Earn APY $5.00
      APY 0.10%
    • Money Market Savings (for both Consumer & Business)
      Minimum Opening Balance $2,500
      Minimum to Earn APY $2,500
      APY 0.20%

      Minimum Opening Balance $2,500
      Minimum to Earn APY $10,000
      APY 0.20%

      Minimum Opening Balance $2,500
      Minimum to Earn APY $25,000
      APY 0.30%

      Minimum Opening Balance $2,500
      Minimum to Earn APY $50,000
      APY 0.40%

      Minimum Opening Balance $2,500
      Minimum to Earn APY $100,000
      APY 0.50%
    • 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*** 

    $5.00

    $5.00

    0.10%

    Money Market Savings (for both Consumer & Business) 

    $2,500

    $2,500 

    0.20%

     

    $2,500

    $10,000 

    0.20%

     

    $2,500

    $25,000 

    0.30%

     

    $2,500

    $50,000 

    0.40%

     

    $2,500

    $100,000 

    0.50%

    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 $5.00

    *** 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 $5.00. 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.

    24-hour RATE LINE (888) 800-3328

  • Term Savings Certificate Rates

    Effective Date: February 25, 2017

    Term Account Rates ($1,000 Minimum) 6 Months
    APY* 0.50%

    Term Account Rates ($1,000 Minimum) 1 Year
    APY* 0.70%

    Term Account Rates ($1,000 Minimum) 2 Years
    APY* 1.20%

    Term Account Rates ($1,000 Minimum) 3 Years
    APY* 1.45%

    Term Account Rates ($1,000 Minimum) 4 Years
    APY* 1.50%

    Term Account Rates ($1,000 Minimum) 5 Years
    APY* 1.70%
    Term Account Rates ($1,000 Minimum) APY*

    6 Months

    0.50%

    1 Year

    0.70%

    2 Years

    1.20%

    3 Years

    1.45%

    4 Years

    1.50%

    5 Years

    1.70%

    *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.

    24 hour RATE LINE 888-800-3328

Loans & Credit Card

  • Automobile Loan Rates

    Effective Date: February 25, 2017

    • NEW
      Rates (APR) as low as 1.69% *
      Maximum Amount Financed up to 120% MSRP
      Minimum Amount Financed $2,500
      Maximum Years to Repay from 1-4 years

      Rates (APR) as low as 2.20%
      Maximum Amount Financed up to 120% MSRP
      Minimum Amount Financed $10,000
      Maximum Years to Repay 5 years

      Rates (APR) as low as 2.70%
      Maximum Amount Financed up to 120% MSRP
      Minimum Amount Financed $15,000
      Maximum Years to Repay 6 years

      Rates (APR) as low as 3.70%
      Maximum Amount Financed up to 120% MSRP
      Minimum Amount Financed $30,000
      Maximum Years to Repay 7 years
    • USED
      Rates (APR) as low as 1.69% *
      Maximum Amount Financed up to 120% RKBB
      Minimum Amount Financed $2,500
      Maximum Years to Repay from 1-4 years

      Rates (APR) as low as 2.20%
      Maximum Amount Financed up to 120% RKBB
      Minimum Amount Financed $10,000
      Maximum Years to Repay 5 years

      Rates (APR) as low as 2.90%
      Maximum Amount Financed up to 120% RKBB
      Minimum Amount Financed $15,000
      Maximum Years to Repay 6 years

      Rates (APR) as low as 4.00%
      Maximum Amount Financed up to 120% RKBB
      Minimum Amount Financed $30,000
      Maximum Years to Repay 7 years
    Rates (APR) as low as * Maximum Amount Financed *** Minimum Amount Financed Maximum Years to Repay

    NEW 

    1.69% *

    up to 120% MSRP 

    $2,500

    from 1-4 years 

    2.20%

    up to 120% MSRP 

    $10,000

    5 years

    2.70%

    up to 120% MSRP 

    $15,000

    6 years

    3.70%

    up to 120% MSRP 

    $30,000

    7 years

    USED **

    1.69% *

    up to 120% RKBB 

    $2,500

    from 1-4 years 

    2.20%

    up to 120% RKBB 

    $10,000

    5 years

    2.90%

    up to 120% RKBB 

    $15,000

    6 years

    4.00%

    up to 120% RKBB 

    $30,000

    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 1.69% for new vehicles up to 48 months, your monthly payment would be approximately $21.57 per $1,000 borrowed. Based on an average rate of 1.69% APR for used (maximum age 6 years old) vehicles for up to 48 months, your monthly payment would be approximately $21.57 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.

    24 hour RATE LINE 888-800-3328

  • Personal Loan Rates

    Effective Date: February 25, 2017

    • Personal Loan
      APR* (as low as) 7.25%
      Maximum Financed $25,000
      Loan Amount $500-$25,000
      Maximum Term 3 Years

      APR* (as low as) 8.25%
      Maximum Financed $25,000
      Loan Amount $5,000-$25,000
      Maximum Term 4 Years

      APR* (as low as) 9.25%
      Maximum Financed $25,000
      Loan Amount $10,000-$25,000
      Maximum Term 5 Years
    APR* (as low as) Maximum Financed Loan Amount Maximum Term

    Personal Loan **

    7.25%

    $25,000

    $500-$25,000

    3 Years

    8.25%

    $25,000

    $5,000-$25,000

    4 Years

    9.25%

    $25,000

    $10,000-$25,000

    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.

    24 hour RATE LINE 888-800-3328

  • Visa Platinum® Card Rates

    Effective Date: February 25, 2017

    • Visa – Platinum®
      APR* (as low as) 9.75% to 16.90%
      Maximum Financed $20,000
      Loan Amount $500-$25,000
      Maximum Term --
    • Visa – Savings Secured
      APR* (as low as) 16.90%
      Maximum Financed $2,000
      Loan Amount $500-$2,000
      Maximum Term --
    APR* (as low as) Maximum Financed Loan Amount Maximum Term

    Visa – Platinum® **

    9.75% to 16.90%

    $20,000

    $500-$25,000

    Visa – Savings Secured 

    16.90%

    $2,000

    $500-$2,000

    Annual Percentage Rate

    ** APR shown is for Purchases = (Prime + 6.50%) to (Prime + 13.65) : Cash Advance APR = Same as Purchase APR : Balance Transfer APR = Same as Purchase APR : Penalty APR = 15.75% – 22.90% (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.

    24 hour RATE LINE 888-800-3328

  • Secured Loan Rates

    Effective Date: February 25, 2017

    • 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.

    24 hour RATE LINE 888-800-3328

  • Lifestyle Loan Rates

    Effective Date: February 25, 2017

    • 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)
      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
    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.

    24 hour RATE LINE 888-800-3328

Fees

  • Fees and Service Rates - Consumer Accounts

    Effective Date: February 25, 2017

    GENERAL FEES AND CHARGES* (Consumer) ATM Surcharge (Non-Members)
    $2.50

    GENERAL FEES AND CHARGES* (Consumer) ATM Withdrawals on Non-First Entertainment ATMs (Per withdrawal on accounts without a Checking; additional Surcharges may apply.) 1
    $1.95

    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) Medallion Stamp
    $25.00

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

    GENERAL FEES AND CHARGES* (Consumer) Money Market Excess Withdrawal Fee 2
    $15.00

    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 (issued by member) 4
    $29.00

    GENERAL FEES AND CHARGES* (Consumer) Returned Deposited/Cashed Item (issued by other party) 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
    $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 Surcharge (Non-Members)

    $2.50

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

    $1.95

    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

    Medallion Stamp

    $25.00

    Membership Fee (one time)

    $5.00

    Money Market Excess Withdrawal Fee 2

    $15.00

    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 (issued by member) 4

    $29.00

    Returned Deposited/Cashed Item (issued by other party) 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

    $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.

    24 hour RATE LINE 888-800-3328

    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.

    ADVANTAGE CHECKING - Monthly Service Charge With Daily Minimum Balance Requirement ($1,000 in Checking or an aggregate daily balance of $4,000 between Checking and Savings.)
    $0

    ADVANTAGE CHECKING - Monthly Service Charge Without Daily Minimum Balance Requirement (per month) (If daily balance drops below $1,000 in Checking or below $4,000 aggregate between Checking and Savings.)
    $8.00

    ADVANTAGE CHECKING - Monthly Service Charge
    • No Per-Check Charges
    • 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)

    ADVANTAGE CHECKING - Monthly Service Charge 6 Free Out-of-Network ATM Withdrawals (thereafter each) (Additional surcharges may be assessed by ATM Operators) 1
    $2.00
    ADVANTAGE CHECKING - Monthly Service Charge

    With Daily Minimum Balance Requirement
    ($1,000 in Checking or an aggregate daily balance of $4,000 between Checking and Savings.)

    $0

    Without Daily Minimum Balance Requirement (per month)
    (If daily balance drops below $1,000 in Checking or below $4,000 aggregate between
    Checking and Savings.)

    $8.00

    • No Per-Check Charges
    • 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)

    6 Free Out-of-Network ATM Withdrawals (thereafter 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.

    TEEN CHECKING - Monthly Service Charge Monthly Service Charge
    $0

    TEEN 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)

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

    Monthly Service Charge

    $0

    • 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.

    LIFELINE CHECKING - Monthly Service Charge Monthly Service Charge
    $0

    LIFELINE CHECKING - Monthly Service Charge 8 Free Account Withdrawals per Month... thereafter (Including ATM and lobby withdrawals at all locations, checks, automated withdrawals (ACH) and Debit Card purchases.)
    $.60

    LIFELINE 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)

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

    Monthly Service Charge

    $0

    8 Free Account Withdrawals per Month… thereafter
    (Including ATM and lobby withdrawals at all locations, checks, automated withdrawals (ACH) and Debit Card purchases.)

    $.60

    • 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.

  • Fees and Service Rates - Business Members

    Effective Date: February 25, 2017

    GENERAL FEES AND CHARGES ATM Deposit Error Adjustment Fee (per occurrence)
    $5.00

    GENERAL FEES AND CHARGES ATM Surcharge (Non-Members)
    $2.00

    GENERAL FEES AND CHARGES ATM Withdrawals on Non-First Entertainment ATMs (Per withdrawal on accounts without a Checking; additional Surcharges may apply.) 1
    $2.50

    GENERAL FEES AND CHARGES Cashier’s Checks Payable to Third Party
    $6.00

    GENERAL FEES AND CHARGES Check by Phone Payments
    $5.00

    GENERAL FEES AND CHARGES Check Printing
    varies by style

    GENERAL FEES AND CHARGES Collection Fee - Domestic (additional bank fees may apply)
    $15.00

    GENERAL FEES AND CHARGES Collection Fee - International (additional bank fees may apply)
    $25.00

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

    GENERAL FEES AND CHARGES Excessive Card Replacement (2 free per year or free if requested online)
    $15.00

    GENERAL FEES AND CHARGES Escheat Notice
    $2.00

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

    GENERAL FEES AND CHARGES Insufficient Funds (NSF) (each)
    $26.00

    GENERAL FEES AND CHARGES Legal Processing (per hour, except if prohibited by Law)
    $20.00

    GENERAL FEES AND CHARGES Medallion Stamp
    $25.00

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

    GENERAL FEES AND CHARGES Money Market Excess Withdrawal Fee 2
    $15.00

    GENERAL FEES AND CHARGES Monthly Service Fee (First500 Savings Account) 2
    $5.00

    GENERAL FEES AND CHARGES Notary Service (per signature) (no charge for First Entertainment documents)
    $10.00

    GENERAL FEES AND CHARGES Overdraft Fee (each) 3
    $19.00

    GENERAL FEES AND CHARGES Overdraft Protection Transfers from Savings
    $3.00

    GENERAL FEES AND CHARGES Photocopy of Deposited Check/Cashier's Check 4
    $5.00

    GENERAL FEES AND CHARGES Photocopy of Paid Check (2 free per statement period) 4
    $2.00

    GENERAL FEES AND CHARGES 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 Returned Deposited/Cashed Item (issued by member) 4
    $26.00

    GENERAL FEES AND CHARGES Returned Deposited/Cashed Item (issued by other party) 4
    $15.00

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

    GENERAL FEES AND CHARGES Statement Copies (per copy)
    $10.00

    GENERAL FEES AND CHARGES Stop Payment Request
    $25.00

    GENERAL FEES AND CHARGES Temporary Checks (four checks)
    $5.00

    GENERAL FEES AND CHARGES Verification of Deposit
    $15.00

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

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

    ATM Deposit Error Adjustment Fee (per occurrence)

    $5.00

    ATM Surcharge (Non-Members)

    $2.00

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

    $2.50

    Cashier’s Checks Payable to Third Party

    $6.00

    Check by Phone Payments

    $5.00

    Check Printing

    varies by style

    Collection Fee – Domestic
    (additional bank fees may apply)

    $15.00

    Collection Fee – International
    (additional bank fees may apply)

    $25.00

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

    $5.00

    Excessive Card Replacement
    (2 free per year or free if requested online)

    $15.00

    Escheat Notice

    $2.00

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

    $25.00

    Insufficient Funds (NSF) (each)

    $26.00

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

    $20.00

    Medallion Stamp

    $25.00

    Membership Fee (one time)

    $5.00

    Money Market Excess Withdrawal Fee 2

    $15.00

    Monthly Service Fee (First500 Savings Account) 2

    $5.00

    Notary Service (per signature)
    (no charge for First Entertainment documents)

    $10.00

    Overdraft Fee (each) 3

    $19.00

    Overdraft Protection Transfers from Savings

    $3.00

    Photocopy of Deposited Check/Cashier’s Check 4

    $5.00

    Photocopy of Paid Check
    (2 free per statement period) 4

    $2.00

    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 (issued by member) 4

    $26.00

    Returned Deposited/Cashed Item (issued by other party) 4

    $15.00

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

    $20.00

    Statement Copies (per copy)

    $10.00

    Stop Payment Request

    $25.00

    Temporary Checks (four checks)

    $5.00

    Verification of Deposit

    $15.00

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

    3 See Business 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.

    24 hour RATE LINE 888-800-3328

    BUSINESS SAVINGS - Monthly Service Charge With Average Daily Minimum Balance Requirement ($250.00 in Business Savings or Combined Average Daily Balance of $10,000.00 in Business Essentials or $25,000.00 in Business Advantage Checking)
    $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 $10,000.00 in Business Essentials or $25,000.00 in Business Advantage Checking)
    $5.00

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

    With Average Daily Minimum Balance Requirement
    ($250.00 in Business Savings or Combined Average Daily Balance of $10,000.00 in Business Essentials or $25,000.00 in Business Advantage Checking)

    $0

    Without Average Daily Minimum Balance Requirement (per month)
    ($250.00 in Business Savings or Combined Average Daily Balance of $10,000.00 in Business Essentials or $25,000.00 in Business Advantage Checking)

    $5.00

    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)

    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.

    BUSINESS MONEY MARKET SAVINGS - Monthly Service Charge With Daily Minimum Balance Requirement (Minimum Average Daily Balance is $2500.00)
    $0

    BUSINESS MONEY MARKET SAVINGS - Monthly Service Charge Without Daily Minimum Balance Requirement (per month) (Minimum Average Daily Balance is $2500.00)
    $10.00

    BUSINESS MONEY MARKET SAVINGS - Monthly Service Charge Minimum Opening Deposit
    $2500.00

    BUSINESS MONEY MARKET SAVINGS - Monthly Service Charge Dividend Bearing (Balance required to earn Dividends)
    $2500.00

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

    With Daily Minimum Balance Requirement
    (Minimum Average Daily Balance is $2500.00)

    $0

    Without Daily Minimum Balance Requirement (per month)
    (Minimum Average Daily Balance is $2500.00)

    $10.00

    Minimum Opening Deposit

    $2500.00

    Dividend Bearing
    (Balance required to earn Dividends)

    $2500.00

    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)

    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.

    BUSINESS ESSENTIALS CHECKING - Monthly Service Charge With Daily Minimum Balance Requirement (Minimum Average Daily Balance is $5000.00 or a Combined Average Daily Balance of $10,000.00)
    $0

    BUSINESS ESSENTIALS CHECKING - Monthly Service Charge Without Daily Minimum Balance Requirement (per month) (Minimum Average Daily Balance is $5000.00 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)
    $7500.00

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

    With Daily Minimum Balance Requirement
    (Minimum Average Daily Balance is $5000.00 or a Combined Average Daily Balance of $10,000.00)

    $0

    Without Daily Minimum Balance Requirement (per month)
    (Minimum Average Daily Balance is $5000.00 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)

    $7500.00

    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.

    BUSINESS ADVANTAGE CHECKING - Monthly Service Charge With 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 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.

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