Loan Fees

Our fees are not a secret.

In an effort to make sure the money you make is the money you keep, we have very few fees – and, we make sure the fees we do have are clearly stated for every member.

Every potential additional charge to your account or loan is clearly stated here, in addition to the disclosures we make available at the time your account is opened.

Consumer Loan | VISA Credit Card | Home Equity | Mortgage Loans

Loan Fees

Returned Payment Fee: $37.50
Late Payment Fee: 5% of payment due or $5.00, whichever is greater, (if not paid within 7 days of due date)
Skip Payment Fee: $35.00 per skipped payment (maximum 1 skipped payment per eligible loan, per year.)

Visa Credit Card Fees

Visa Rewards Annual Fee: $25.00 (annual fee is waived the first year and then subsequent years with minimum purchases of $5000 January-December.)
Late Payment Fee: $25.00 (maximum, based on payment due) if not paid within 7 days of due date
Cash Advance Fee: 2% of total cash advance
Foreign Currency Conversion/International Service Assessment Fee: 1% of total purchase(s)
Card Replacement Fee: $5.00
Sales Drafts or Other Documents: $5.00 each (available within 120 days of the transaction[s])
Research Fee: $20.00 per hour
Gateway Visa Monthly Fee: $5.00 per month (if balance is greater than $5)
Gateway Visa Late Payment Fee: $25 (maximum, based on payment due) if not paid within 7 days of due date
Gateway Visa Cash Advance Fee: 2% of total cash advance

Gateway Loan Fees

Gateway LOC/Visa Monthly Fee: $5.00 (if the balance owing is greater than $5)
Gateway LOC Late Payment Fee: $25.00 (if not paid within 7 days of due date)
Gateway LOC Advance Fee: $5.00 (if done at a branch or through the call center)

Home Equity Loan Fees

Reconveyance Fee: $110.00
Advantage Equity Late Payment Fee: 20% of payment due (if not paid within seven days of due date)
Option Equity Late Payment Fee: 20% of interest due, or $10, whichever is greater (if not paid within seven days of due date)

Other fees may apply, depending on the loan – call Qualstar at 1-800-848-0018 for more information

Fast Track Mortgage Fees

Late Payment Fee: 20% of payment due (if not paid within seven days of due date)

Mortgage Loan Fees

Contact Qualstar at 1-800-848-0018 for applicable fees.