Mastercard Fees:
Rate	9.90% APR
Annual Fee	No Annual Fee
Over Limit Fee	n/a
Late Fee	$10.00
Return Check Fee	$10.00
Copy of Sales Draft	$5.00
Card Replacement	$10.00
Rush Card Replacement	$25.00

Other fees/requirements available upon request.

Fees Applicable to Share Accounts and ATM Card Holders:
Returned Item and/or Any IRS Tax Levy Process Fee	$20.00
Statement Copy	$3.00
Dormant Account Fee	$10.00
Re-mailing/Locate Fee	$2.00
Stop Payment Fee	$10.00
Excessive Share Withdrawals	$1.00
ACH Return Fee	$25.00
ATM Per Transaction	$1.00
Other Miscellaneous Fees:
IRA Accounts Annual Fee	$25.00
Home Improvement Loans:
Closing Costs	$425.00
UCC-1 Filing Fee	$55.00
UCC-1/Mortgage Discharge	$100.00

All disclosures and complete fee schedules are available on request.

All rates are subject to change without notice.

ATM Policy & Terms
(Share Withdrawals)

The Beverly Municipal Federal Credit Union (BMFCU) has developed an ATM card program to enable a member access to his/her funds 24/7.  There are costs involved for the CU to implement and maintain this program, as well as the costs involved in issuing paper checks to members for share withdrawals.  There will be fees applied to members utilizing the ATM convenience, just as there are fees involved for excess withdrawals of shares in check form.

A member may request a check withdrawal up to five (5) times with no charge in the CU office.

ATM transactions will be charged $1.00 for each withdrawal, transfer from share to share account, or a balance inquiry.  A transaction resulting in an insufficient funds of your shares will result in a returned transaction.  A lost card will be replaced at the cost of $10.00, a ‘RUSH’ card replacement will be charged $30.00.  These fees are subject to change without notice.

Issuance restrictions:  No card will be issued for an account when the primary shareholder of that account is under the age of 18 years old.