Savings Account

Lifetime Membership Fee $1.00
Account Closed within 6 Months $5.00

Capitol Free Checking

Minimum Initial Deposit $25.00
Monthly Fee N/A
Overdraft Share Transfer Fee $4.00/item
Stop Payment Fee -In Person/Phone $30.00/request
Stop Payment Fee - Online $20.00/request

Kasasa Cash/Cash Back

Minimum Initial Deposit $25.00
Monthly Fee N/A
Overdraft Share Transfer Fee $4.00/item
Stop Payment Fee - In person/Phone $30.00/request
Stop Payment Fee - Online $20.00/request

 InControl Checking

Minimum Initial Deposit $25.00
Monthly Fee $2.99
Overdraft Share Transfer Fee $4.00/item
Stop Payment Fee - In person/Phone $30.00/request
Stop Payment Fee - Online $20.00/request

 Capitol Check Guard/Privilege Pay Program

Overdrawn NSF Fee $34.50/item*
Courtesy Pay Fee for paid items up to an Available Balanes of negative - $5.00 $12.50/Item*
Courtesy Pay Fee for paid items greater than Available Balance of negative -$5.00 $31.00/Item*
*Effective November 1st, 2018 - Previous Fees were $40.00/Item
(Check, ACH, ATM/Debit Card Transactions)

Capitol Plus Money Market Account

Minimum Initial Deposit $2,500.00
Monthly Fee N/A
Average Daily Balance above $2,500 N/A
Average Daily Balance below $2,500 $10.00/month
Excess No. of Withdrawals Fee
Per Regulation D limitations
$30.00/item
 

Individual Retirement Accounts (IRAs)

Minimum Initial Deposit N/A
Monthly Low Balance Fee N/A

Other Transaction Account Charges

Check Printing Fee (depending on style) Varies
Per Check Fee N/A
Returned Check Fee $34.50
Returned ACH Draft Fee $34.50
Photochopy of Paid Item (after 2 per month) $3.00
Fax Copy of Paid Item $5.00
Overdraft Transfer Fee $4.00/item
Stop Payment - In Person/Phone* $30.00/request
Stop Payment - Online* $20.00/request
Official Check Stop Payment $30.00

CAPITOL ACCESS Audio Response System

Balance Inquiries N/A
Check Clearings, Unlimited N/A
Transfers & Withdrawals (max. 6 per month) N/A
Loan Advances N/A
Stop Payment* $30.00
 

PC CAPITOL ACCESS Homebanking System

Balance Inquiries N/A
Check Clearings, Unlimited N/A
Transfers & Withdrawals (max. 6 per month) N/A
Loan Advances N/A
Online Bill Pay N/A 

Miscellaneous Charges

Official Check $3.00
Return Statement Processing Fee $5.00
Inactive Account Processing Fee** $5.00/month
Bill Pay Inactive Account Processing Fee*** $5.00/month
Copy of History, Per Month (Statement) $3.00
Telephone Inquiries available through Capitol Access $0.50/each
Temporary Checks (Set of 8) $5.00
Check Reorder without Reorder Form $3.00
Account Balancing (per hour, min.1 hour) $20.00
Research (per hour, min. 1 hour) $20.00
Deposited Items Returned Unpaid
From Third Party $5.00
From Member’s Account $30.00
Return Bankdraft/DBO Transfer $30.00 
Money Order Fee $2.00
VISA® Gift Card (not re-loadable) $3.50
MasterCard® Travel Card $6.95
Companion Card $2.95
Reload a Travel Card In-branch $4.00
VISA®Youth Card $6.95
Reload Youth Card In-branch $4.00
VISA® Reloadable Card $6.95
Reload Card In-branch $4.00
Wire Transfers (outgoing domestic) $15.00
Western Union® (outgoing domestic) $15.00
Quick Collect N/A
Collection Item $10.00
FedEx® Mail Fee $40.00
Check-Cashing Fee**** 1.00%/item
Coin Counting Fee**** 3.00%/ticket
Notary Services**** $10.00/item
 
Credit Card Fees
Late Payment $25.00
Over the Limit $25.00
Phone Payment $10.00/each
Return Payment $25.00/item

ATM & VISA® Debit Card

Fee for Non-CCU owned/affiliated machines $2.00
ATM and VISA® Debit Cards – Initial Issue N/A
Replacement of ATM or VISA® $5.00
Reissued Copy of Existing PIN $5.00
ATM/Debit Card Overdraft Fee $34.50/item
Rushed Card Mailer $60.00/card 

Safe Deposit Boxes (Available at our North Austin Location)

Box Size Annual Fee
3 x 5 $15.00
3 x 10 $30.00
5 x 5 $25.00
5 x 10 $45.00
10 x 10 $70.00
Lost Safe Deposit Box Key $10.00/Plus Locksmith Fee
Safe Deposit Box Drilling $100.00/Plus Locksmith Fee

Loan Fees

Late Payment Fee 5.00% of Payment Due
Refinance Current CCU Loan 1.00% of Loan Balance
Monthly Line of Credit Fee N/A
Overdraft from Line of Credit N/A
Automatic Internal Loan Payment N/A
DBO / External Automatic Loan Payment N/A
Returned Payment (Check, ACH, Debit/Credit Card) $40.00/item
ECM Phone Payment $15.00 
ECM Web Payment $5.00
Skip-a-Payment Fee $25.00
Using Credit Card or Debit Card 
*Per item or per series of checks
**After 6 months inactivity and balance less than $100
***After 3 months inactivity
****If Account Balance Less Than $100 or Non-User of CCU Services

 

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