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Fee Schedule and Charges

Freedom Credit Union Fee Schedule and Charges


Replacement Debit/Credit Card...........................................................$10.00

Debit/Credit Card Rush...........................................................................$50.00-$75.00

Non-sufficient Funds - each item returned...........................................$5.00*

Overdraft - each item paid........................................................................$5.00*

Daily Negative Balance Fee (an account that has a negative balance beginning on the 14th consecutive calendar day that the account maintains a negative balance)......$5.00 per day

Stop Payments - Check or ACH (in excess of 3 per 90-day period)*....$5.00

Check Printing.............................................................................................Fee depends on style of draft ordered)

Counter Checks (Group of 4)....................................................................$1.00

Deposited Checks (and other items) Returned Unpaid

  • Third Party (first presentment)....................................................$0.00
  • Third Party (representment).........................................................$10.00
  • Issuer..................................................................................................$25.00

Bad Address Fee.........................................................................................$5.00 per month

Monthly Service Fee (Secured Checking & Business Checking)......$5.00 per month

Money Market Excessive Withdrawal Fee...........................................$10.00

Incoming Wire Transfer............................................................................$7.50

Outgoing Domestic Wire Transfer.........................................................$15.00

Account Closed Within 6 Months of Opening.....................................$25.00

Inactive Account Fee (after 12 months on inactivity and less than $500 on each deposit) $5.00 per month

Account Balancing and Research (half hour minimum).....................$30.00 per hour, plus $0.15 per page

Check Copies...............................................................................................$25.00

Garnishments, Executions and Levies..................................................$15.00

IRA Low Balance Fee.................................................................................$20.00 annually

Deposit Box Replacement Key/Drill Fees.............................................Actual cost plus

  • One Key Lost.....................................................................................$10.00
  • Both Keys Lost..................................................................................$25.00

 December 2021December 2020December 2019December 2018
Total Assets$59,201,307$50,114,394$41,652,628$36,690,466
Loans Outstanding$43,121,929$35,147,412$31,286,199$31,394,160
Total Deposits$53,256,281$44,727,737$35,514,653$32,195,866
Delinquent Loans$54,465$24,455$97,417$67,644
Total Capital$5,635,460$5,098,560$4,785,638$4,344,884
Return on Assets0.98%0.68%1.13%1.44%
Chart showing Freedom CU Return on Assets from 1999-2020 Chart showing Freedom Credit Union Net Worth from 1999-2019 Chart showing Freedom Balance Sheet from 1999-2020

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