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.

Excessive Withdrawal | Checking Account | Other Services
Bill Payer | Consumer Loan | VISA Credit Card | Home Equity | Mortgage Loans

Excessive Withdrawal Fees

Savings: $7.00 per withdrawal (after three in a month)
Money Market: $7.00 per withdrawal (after six in a month)

Checking Account Fees

Simply Checking/Vacation Access Account Fee: $3.00 per month (fee can be avoided by having eStatements or keeping a balance of $250 at all times or having an open loan or having no activity within the month or for members 60 years of age and older.)
Overdraft Transfer: $2.00 per transfer
Overdraft/NSF Fee: $25.00 each (applies to overdrafts created by check, in-person or ATM withdrawal, or other electronic means)
Courtesy Pay Fee: $25.00 each (maximum $2500 in fees is allowed each year; after that, Courtesy Pay coverage will be deactivated and items will be denied or returned, unpaid; the fee will re-set January each year.)
Check Copies (written on QCU account): First 5 FREE, then $1 per check
Check/ACH Stop Payment Fee: $15.00 each
Check Order Fee: Varies

Other Service Fees

Research: $20.00 per hour
Statement Copy Fee: 2005 to current: $1.00 per copy; 2004 and older: $5.00 per copy
Low Balance Fee: $5.00 monthly fee (charged to accounts with no activity in a 12-month period AND combined balances of less than $200)
Undeliverable Address Fee: $5.00 monthly fee (charged to accounts on the last day of each month there is an undeliverable address on file)
Domestic Outgoing Wire Transfer: $15.00
Foreign Outgoing Wire Transfer: $49.00
Money Orders: $1.50
Holiday Club Early Withdrawal Fee: $7.50 per withdrawal
Returned Check for Deposit: $10.00
ATM Withdrawals: 10 FREE per month (then .75 per withdrawal)
Card Replacement Fee: $5.00
Health Savings Account Maintenance Fee: $10.00 annually
Visa Currency Conversion/International Service Assessment Fee: 1% of total purchase(s)

Bill Payer Fees

Bill Payment Fee: NO CHARGE!
Insufficient Funds Fee: $22.00 (third party fee charged by service provider)
Stop Payment or Expedited Item Request: $17.50 (third party fee charged by service provider)

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; $10.00 for MyChoice VISA.
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)
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

Home Equity Loan Fees

Reconveyance Fee: $110.00
Advantage Equity Late Payment Fee: 20% of payment due (if not paid within seven 7 days of due date)
Option Equity Late Payment Fee: 20% of interest due, or $10, whichever is greater (if not paid within seven 7 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 7 days of due date)

Mortgage Loan Fees

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