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Shared Branch Fees

Effective as of: 01/01/2023

ALL FEES SUBJECT TO CHANGE WITHOUT NOTICE

Shared Branch Fees
Transaction History – $2.00
Cash Withdrawals – $2.00 (CFCU member)Guest members $1,000 maximum per day
Check Withdrawals – $2.00 (CFCU member)Guest member $25,000 maximum per day
Cashier’s Check – $10.00 eachGuest member $ 25,000 maximum per day
Money Order – $5.00 For UNDER 1,000.00
Deposits: FREE
Payments: FREE
Transfers: $2.00
Notary $15.00 per signature (State Law)
No Coin Services
Special Purchases: $2.00 eachMovie Tickets, Sees Candy Certificates, Photocopies
Postage Stamps at cost
Returned Check (deposit or payment item)
Please see FAQ on Home Page banner for more detailed information regarding holds, funds availability and deposits.
When you visit as a “Guest Member” at other Shared Branch locations, please view posted Fee Schedule in addition to CU Fees

Loan Rates

Effective as of: 01/18/2024

TermAPRNotes
48 Months4.99%
TermAPRNotes
36 to 84 Months5.29%-17.50%100% Financing, Inc.Tax Fico/Term Decisioning
TermAPRNotes
36 to 84 Months5.29%-17.50%100% Financing, Inc.Tax Fico/Term Decisioning
TermAPRNotes
48 to 120 Months6.25% to 11.00%80% Financing, Up to 10 years old
TermAPRNotes
48 to 120 Months6.25% to 11.00%80% Financing, Up to 10 years old
TermAPRNotes
48 to 120 Months6.25% to 11.00%80% Financing, Up to 10 years old
TermAPRNotes
36 to 60 Months8.00% to 18.00%Up to $15,000, 60 months over 10K borrowed
TermAPRNotes
Ranges from13.80%-15.80%*Up to $5,000, with a $20.00 Annual Fee
TermAPRNotes
Ranges from8.80%-15.80%Up to $15,000 Plan A,B No Annual Fee, Plan C,D Annual Fee 20.00. APR will be based on your credit worthiness.
TermAPRNotes
Ranges from0.00%-8.99%Intro rates on Plan A,B for 12 mo. Plan C,D for 6 months.
After Intro rates term, your rate will default to regular rate you qualified for.
TermAPRNotes
15 – 20 yearsRates start at Prime, discounted by FICOBorrow up to 400K, 80% LTV

Inquire for current rates. Loans are processed with a third party, loans kept at Capstone FCU.
Call 866-898-1818 or apply online today.

*APR = Annual Percentage Rate
Rate Range: *Rates are quoted in a range and based on a
variety of factors.
Floor Rate: The floor rate on all loans is between 2.50% APR and
10.20% APR. Home Equity loan products floor limit is 4.00%

Account Rates

Effective as of: 01/18/2024

Share AccountsAPRAPYNotes
Regular Shares (Savings)0.07%0.07%Minimum = $25
Kirby Kangaroo Club (Kids Savings)0.07%0.07%Minimum = $1.
CU Succeed (Teen Savings)0.07%0.07% Minimum = $1.
Christmas Club0.09%0.09%Minimum = $1.
Money Market-Tier I1.20%1.21%Minimum = $2,000
Money Market-Tier II1.25%1.26%Minimum = $20,000
Money Market-Tier III1.30%1.31%Minimum = $75,000
IRA Shares0.10%0.10%
Regular Share Draft 0.000%0.000Minimum=$1.
APY= Annual Percentage Yield
*A substantial penalty shall be imposed if Certificate funds other than dividends are withdrawn before the maturity date.
Fees or other conditions could reduce earnings. All rates are subject to change weekly.
For purposes of this disclosure, the Dividend Rates and APYs were offered within the most recent seven calendar dates and were accurate as of the date shown above.
Please call (949) 716-5746 to obtain current rate information.

Certificate Rates

Effective as of: 01/30/2024

TermsDividend RateAPYNotes
90 to 179 Days1.35%1.36%Minimum = $1,000
180 to 364 Days1.90%1.92%Minimum = $1,000
1 Year*3.93%4.00%Minimum = $1,000
1.5 Years2.20%2.22%Minimum = $1,000
2 Years2.30%2.32%Minimum = $1,000
2.5 Years 2.40%2.43%Minimum = $1,000
3 Years**2.50%2.53%Minimum = $1,000
4 Years**2.50%2.53%Minimum = $1,000
5 Years**2.50%2.53%Minimum = $1,000
**ADD .20% ON JUMBO CERTIFICATES OVER $75,000.00 * Annual Percentage Yield (APY) is accurate as of 1/19/2023 and is subject to change without notice. APY is for accounts opened in CA and may vary in other markets. Minimum opening deposit and the minimum balance to earn interest is $1,000. Substantial penalty for early withdrawal. Fees may reduce earnings. Institutional and Public Funds are not eligible, members are eligible. also Available as IRA certificates.

APR = Annual Percentage Rate / APY= Annual Percentage Yield Dividend Rate = Rate that is paid on certicate on a daily basis

*A substantial penalty shall be imposed if Certificate funds other than dividends are withdrawn before the maturity date.

Fees or other conditions could reduce earnings. All rates are subject to change weekly.

For purposes of this disclosure, the Dividend Rates and APYs were offered within the most recent seven calendar dates and were accurate as of the date shown above.

Please call (949) 716-5746 to obtain current rate information.

Fees

Effective as of: 01/01/2024

SCHEDULE OF FEES AND CHARGES

ACH Stop Payment Fee, Each Occurance25.00
Debits reversed/returned due to insufficient funds33.00
Replacement Card (Each), Reissue or Lost/Stolen (each)10.00
Overdraft Fee Charge33.00
ATM Deposit Returned Item Fee, per item30.00
ATM Deposit Adjustment Fee, per item (key in errors, empty envelopes)10.00
Express Card Order(2 day RUSH)100.00
Annual FeePlan A, B – No charge,
Plan C, D – 20.00 Annual Fee
Cash Advance Fee(1% of amount advanced) Minimum $1.0010.00
Late Fee25.00
Replacement Card(Each)10.00
Lost Card Processing Fee10.00
Express Card Fee100.00
Membership Fee(Each Primary Accounts)5.00
Cashier’s Checks10.00
Returned Mail with no return address10.00
Levies, i.e. Child Support, IRS, EDD, Liens35.00
Automatic Overdraft from eligible account5.00 each
Copies of Checks (online)Free
Copies of Checks (CU assisted)5.00 each
Temporary Checks (10 pack)5.00
Stop Payment Request (Good for 6 months)25.00
Overdraft Fee (Paid or Returned)33.00 each
Assisted Account Balancing50.00 per hour
Account Research50.00 per hour
Collection Item (Foreign or Domestic)35.00
Returned Deposited Item Fee30.00
Bill Pay ServiceNo Charge
Dormant/Inactive Fee (Monthly)10.00
Wire – Incoming5.00/Payroll Free
Wire – Domestic25.00
Wire – International45.00
Statement Copy Fee5.00 each (Free via Web)
COOP Shared Branch Withdrawals2.00 each (cash or checks)
Fed Ex (2 Business Day)50.00 (No Saturday Delivery)
Merchant Collection Item Fee45.00
Verification of Depost (VOD’s) by lender10.00
Beneficiary Demand/Update45.00
Loan Modification Fee (No Advance Requirement)50.00
ReConveyance Fee (Mortgages)195.00
Lien Satisfied5.00
Skip Payment Fee (CFCU Loans Only)45.00 (CFCU loans must be current, only 2 times over life of loan. TDR’s or loans with extensions are not available.
Returned Check Fee on loan payments30.00
Auto Loan tracking fee( one time fee) 10.00
Late Loan Fees (6 day grace)25.00
CFCU DocumentNo Charge
CFCU Member Document15.00 per Signature
CFCU Non Members15.00 per Signature
Microfiche copy of statement (each)5.00
Money Orders (Up to $1,000.00)5.00
Cash or from funds on deposit with CFCU5.00
Indemnity Agreement5.00
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